Method and apparatus for providing financial transaction data via the internet

A method of warehousing financial transaction data for a plurality of financial transactions, the method comprising:

• receiving the financial transaction data for the plurality of financial transactions;
• determining a unique identifier for each financial transaction;
• and
• storing each financial transaction with its respective unique identifier.

A method of making financial transaction information available electronically, the method comprising:

• (a) receiving financial transaction data for a plurality of distinct financial transactions;
• (b) determining a unique identifier for each distinct financial transaction and a client associated with each distinct financial transaction;
• (c) determining, as a function of each unique identifier, whether the associated client has consented to receiving the respective financial data electronically;
• and
• (d) if it is determined that the associated client has consented to receiving the respective financial data electronically, making the respective financial transaction data available to the associated client electronically.

A system for making financial transaction information available electronically, the system comprising:

• (a) means for receiving financial transaction data for a plurality of distinct financial transactions;
• (b) first means for determining a unique identifier for each distinct financial transaction and a client associated with each distinct financial transaction;
• (c) second means for determining, as a function of each unique identifier, whether the associated client has consented to receiving the respective financial data electronically;
• and
• (d) means for making the respective financial transaction data available to the associated client electronically if it is determined that the associated client has consented to receiving the respective financial data.

A computer program product comprising:

• a computer-readable medium;
• computer program instructions, wherein the computer program instructions, when executed by a computer, direct the computer to perform a method of warehousing financial transaction data for a plurality of financial transactions, the method comprising:
• receiving the financial transaction data for the plurality of financial transactions;
• determining a unique identifier for each financial transaction;
• and
• storing each financial transaction with its respective unique identifier.

A computer program product comprising:

• a computer-readable medium;
• computer program instructions, wherein the computer program instructions, when executed by a computer, direct the computer to perform a method of making financial transaction information available via a communications channel, the method comprising:
• (a) receiving financial transaction data for a plurality of distinct financial transactions;
• (b) determining a unique identifier for each distinct financial transaction and a client associated with each distinct financial transaction;
• (c) determining, as a function of each unique identifier, whether the associated client has consented to receiving the respective financial data via the communications channel;
• and
• (d) if it is determined that the associated client has consented to receiving the respective financial data, making the respective financial transaction data available to the associated client via the communications channel.

A system for warehousing financial transaction data for a plurality of financial transactions, the system comprising:

• a financial transaction data processor to receive the financial transaction data for the plurality of financial transactions;
• an identifier processor, coupled to the financial transaction data processor, to determine a unique identifier for each financial transaction received by the financial transaction data processor;
• and
• a storage device, coupled to the financial transaction data processor and the identifier processor, to store each financial transaction with its respective unique identifier.

A system for making financial transaction information available via the Internet, the system comprising:

• (a) a financial transaction data processor to receive financial transaction data for a plurality of distinct financial transactions;
• (b) an identifier processor, coupled to the financial transaction data processor, to determine a unique identifier for each distinct financial transaction and a client associated with each distinct financial transaction;
• (c) a consent processor, coupled to the identifier processor, to determine, as a function of each unique identifier, whether the associated client has consented to receiving the respective financial data electronically;
• and
• (d) a processor, coupled to the consent processor, to make the respective financial transaction data available to the associated client electronically if it is determined that the associated client has consented to receiving the respective financial data.

A method of obtaining and storing consent, from a user, to receive financial transaction data electronically, the method comprising:

• under control of a client system:
• sending a consent message with respect to the financial transaction data;
• under control of a first server system:
• receiving the consent message from the client system;
• correlating the consent message to account information of the user and generating consented account information data;
• sending the consented account information data;
• under control of a second server system:
• receiving the consented account information data from the first server;
• determining a unique user identifier from the consented account information;
• and
• storing the consented account information as a function of the unique user identifier.

A method of providing financial transaction data electronically, the method comprising:

• under control of a first server system:
• (A) receiving a request to retrieve financial transaction data from a client system;
• (B) validating the request;
• and
• (C) when the request is determined to be valid, providing the financial transaction data to the client system.

A method of sending financial transaction data electronically to a user, the method comprising:

• under control of a first server system:
• (A) receiving financial transaction data;
• (B) identifying a user associated with the received financial transaction data;
• (B1) storing the received financial transaction data as a function of the identified user;
• (C) determining if the identified user has consented to receiving the financial transaction data electronically;
• (D) when it has been determined that the user has consented, sending the received financial transaction data electronically to the user.