US 2015/0032601 A1Published application

Communication network for collecting data and executing electronic transaction services

AssigneeBank of America Corporation

InventorsJoseph B. Castinado, Gregory G. Farr, Richard H. Thomas, Shilpoo Agrawal, Matthew J. Stowell, Bonnie L. Dolan, Ganesan Muthukrishnan

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Abstract

In certain embodiments, a system for executing electronic transaction services comprises one or more interfaces operable to receive access credentials for a plurality of accounts associated with an entity, one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access account data from the plurality of accounts, the one or more interfaces further operable to receive a service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity, the one or more processors further operable to determine one or more second of the plurality of accounts associated with the entity, and filter the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts.

Claims20

Dependent claims

A system for executing electronic transaction services, comprising:

one or more interfaces operable to receive access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity;
one or more processors communicatively coupled to at least one of the one or more interfaces, the one or more processors operable to access, based on the received access credentials, account data from the plurality of accounts;
the one or more interfaces further operable to receive an electronic transaction service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity;
the one or more processors further operable to:
determine one or more second of the plurality of accounts associated with the entity;
filter the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts;
and
generate a communication to the user with an identification of the one or more proposed accounts to associate with the fund transfer;
the one or more interfaces further operable to receive from the user a selection of one of the one or more proposed accounts;
and
the one or more processors further operable to execute the fund transfer with the selected proposed account.

8 more elements

A non-transitory computer readable storage medium comprising logic for executing electronic transaction services, the logic operable, when executed by a processor, to:

receive access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity;
access, based on the received access credentials, account data from the plurality of accounts;
receive an electronic transaction service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity;
determine one or more second of the plurality of accounts associated with the entity;
filter the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts;
generate a communication to the user with an identification of the one or more proposed accounts to associate with the fund transfer;
receive from the user a selection of one of the one or more proposed accounts;
and
execute the fund transfer with the selected proposed account.

6 more elements

A method for executing electronic transaction services, comprising:

receiving access credentials for a plurality of accounts held with a plurality of enterprises, wherein the plurality of accounts are associated with an entity;
accessing, by one or more processors, based on the received access credentials, account data from the plurality of accounts;
receiving an electronic transaction service request from a user to execute a fund transfer involving a first of the plurality of accounts associated with the entity;
determining, by at least one of the one or more processors, one or more second of the plurality of accounts associated with the entity;
filtering, by at least one of the one or more processors, the one or more second of the plurality of accounts based on fund transfer limitations associated with the one or more second accounts to determine one or more proposed accounts;
generating, by at least one of the one or more processors, a communication to the user with an identification of the one or more proposed accounts to associate with the fund transfer;
receiving from the user a selection of one of the one or more proposed accounts;
and
executing, by at least one of the one or more processors, the fund transfer with the selected proposed account.

6 more elements

Dependencies are inferred from the claim text.