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    • 2. 发明申请
    • Systems and Methods of Rules-Based Database Access For Account Authentication
    • 基于规则的数据库访问系统和方法进行帐户验证
    • US20070094151A1
    • 2007-04-26
    • US11612254
    • 2006-12-18
    • Peter MoenickheimPaul Lyda
    • Peter MoenickheimPaul Lyda
    • G06Q99/00H04L9/00H04K1/00
    • G06Q40/02G06Q20/0855G06Q20/382G06Q20/401G06Q20/4012
    • Systems and methods for authenticating a customer association with a particular deposit account used when conducting financial transactions on behalf of the customer. The system receives identity information and routing and transit number or account number (RTN/DDA) information, where at least a portion of identity information identifies an account holder and at least a portion of the RTN/DDA information identifies a deposit account. A selection of numerous databases used to authenticate an association between the deposit account and the account holder is made based on one or more criteria. A database is then accessed according to the selection; and an association between the deposit account and the account holder is authenticated using the received identity information and RTN/DDA information and the selected database.
    • 用于在代表客户进行金融交易时使用的特定存款帐户认证客户协会的系统和方法。 系统接收身份信息和路由和转接号码或帐号(RTN / DDA)信息,其中至少一部分身份信息标识帐户持有者,并且至少一部分RTN / DDA信息识别存款帐户。 根据一个或多个标准,选择用于认证存款帐户和账户持有者之间的关联的许多数据库。 然后根据选择访问数据库; 并且使用所接收的身份信息和RTN / DDA信息和所选择的数据库来认证存款账户和账户持有者之间的关联。