# US 2014/0195426 A1 · Method of utilizing a successful log-in to create or verify a user account on a different system > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0195426 A1 - Document ID: US20140195426A1 - Status: Published application - Kind: A1 - Application number: 13/573,308 - Filed: 2012-09-08 - Published: 2014-07-10 - Earliest claimed: 2012-09-08 - Assignees: Money Desktop, Inc. - Inventors: Ryan Caldwell - Web page: https://patentgrep.com/patent/US20140195426A1 ## CPC - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method is permitted to permit remote log in credential authentication for mobile users seeking access to a computer system through a second party computer system such as an aggregator. ## Claims ### Claim 1 A method for conducting a mobile banking transaction comprising the steps of: obtaining a mobile computing device, the mobile computing device having a processor, an input device, a display device, and a means for transmitting and receiving data from a remotely located computer, running a mobile banking software application on said mobile computing device, using said input device to allow a user to log in to said mobile banking software application, using said means for transmitting and receiving data from a remotely located computer to transmit user information to a banking aggregator for credential verification, using said means for transmitting and receiving data from a remotely located computer to receive financial information pertaining to said user, displaying said financial information pertaining to said user on said display device, allowing said user to enter a banking transaction on said mobile banking software application on said mobile computing device, using said means for transmitting and receiving data from a remotely located computer to transmit said banking transaction to said banking aggregator for forwarding to the relevant financial institution for processing, using said means for transmitting and receiving data from a remotely located computer to transmit said banking transaction to said banking aggregator for forwarding to the relevant financial institution for processing, using said means for transmitting and receiving data from a remotely located computer to receive confirmation that said banking transaction has been conducted, displaying said confirmation on said display device. ### Claim 2 (depends on 1) A method as recited in claim 1 wherein said banking aggregator submits said banking transaction to a financial institution through an online banking provider. ### Claim 3 (depends on 1) A method as recited in claim 1 wherein said credential verification includes verification of username and password. ### Claim 4 (depends on 1) A method as recited in claim 1 wherein said credential verification includes verification of username and password with the financial institution's online banking provider. ### Claim 5 (depends on 1) A method as recited in claim 1 wherein said credential verification is conducted without use of the financial institution's mobile banking provider. ### Claim 6 (depends on 1) A method as recited in claim 1 wherein said banking aggregator is a third party to said financial institution. ### Claim 7 (depends on 1) A method as recited in claim 1 wherein said banking transaction takes place in the financial institution's core computer system. ### Claim 8 (depends on 1) A method as recited in claim 1 wherein said mobile computing device includes a telephone. ### Claim 9 (depends on 1) A method as recited in claim 1 wherein said mobile banking device has an internet browsing capability. ### Claim 10 (depends on 1) A method as recited in claim 1 wherein said means for transmitting and receiving data from a remotely located computer is wireless. ### Claim 11 (depends on 1) A method as recited in claim 1 wherein the step of using said input device to allow a user to log in to said mobile banking software application includes verifying user login information on a data store maintained by the vendor of said mobile banking software application. ### Claim 12 (depends on 1) A method as recited in claim 1 wherein said mobile computing device is a hand-held mobile computing device. ### Claim 13 A method for authenticating a user in a mobile banking software application comprising the steps of: obtaining a mobile computing device, the mobile computing device having a processor, an input device, a display device, and wireless means for transmitting and receiving data from a remotely located computer, running a mobile banking software application on said mobile computing device, using said input device to allow a user to log in to said mobile banking software application, using said means for transmitting and receiving data from a remotely located computer to transmit user information to a banking aggregator for validation, and using said means for transmitting and receiving data from a remotely located computer to receive validation of said user information from said banking aggregator. ### Claim 14 A method for utilizing a successful log-in to create or verify a user account on a different system comprising the steps of: permitting a user to log in to a first computer system, using a data scrape from said log in to attempt to log said user into an aggregator computer system, said second computer system performing user credential authentication for a third party computer system in order to confirm that said user is entitled to log in to said third party computer system, and said aggregator computer system providing data pertinent to said user from said third party computer system to the user on said first computer system. ### Claim 15 (depends on 14) A method as recited in claim 14 wherein said data pertinent to said user is financial data. ### Claim 16 (depends on 14) A method as recited in claim 14 wherein each of said first computer system, said aggregator computer system and said third party computer system each has its own data store. ### Claim 17 (depends on 14) A method as recited in claim 14 further comprising the step of said aggregator computer system accepting transactions from said user and forwarding them to said third party computer system for processing. ### Claim 18 (depends on 14) A method as recited in claim 14 wherein data from said aggregator and said first computer system are synced. ### Claim 19 (depends on 14) A method as recited in claim 14 wherein data from said aggregator, said first computer system, and said third party computer system are synced. ### Claim 20 (depends on 14) A method as recited in claim 14 wherein said first computer system is a mobile computing device.