The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Apr. 16, 2013
Filed:
Mar. 09, 2012
Rockne Egnatios, Scottsdale, AZ (US);
Amy B. Byal, Mesa, AZ (US);
Gerard Marineau, Redmond, WA (US);
Robert L. Evans, Jr., Scottsdale, AZ (US);
Rockne Egnatios, Scottsdale, AZ (US);
Amy B. Byal, Mesa, AZ (US);
Gerard Marineau, Redmond, WA (US);
Robert L. Evans, Jr., Scottsdale, AZ (US);
Efunds Corporation, Scottsdale, AZ (US);
Abstract
Methods and systems for opening an account with a financial institution. One method can include electronically storing at least one rule for opening an account with a financial institution. The method can also include electronically receiving account application information from a remote device over at least one network, wherein the account application information includes personal information of a customer requesting to open an account. In addition, the method can include generating at least one risk score based on the account application information and applying the at least one rule to the at least one risk score in order to determine a decision regarding the account application information and to determine at least one funding constraint associated with the account.