US 2021/0201398 A1Published application

Switch server integrated systems providing secure communications for one-click advice and transactions

AssigneeForUsAll, Inc.

InventorsHolly Brotherton, Philip Donor Balliet, Chenxing Guo, Haotian Lyu, Yen-Hsuan Chen, Benjamin Otto Werdmuller, Neeraj Kumar Mathur

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Abstract

The disclosure relates to systems and methods for one-click transactions and financial advice using integrated systems. In exemplary embodiments a system includes at least one gateway server electronically communicating with a secure switch and including a processor and a memory communicatively coupled to the processor, the memory storing instructions executable by the system to perform operations, the operations comprising: receiving a plurality of data sources of a validated participant including payroll data and retirement account data of the validated participant; sending a call-to-action message to the validated participant based on analyzing of the plurality of data sources of the validated participant including the payroll data and the retirement account data of the validated participant; automatically implementing advice for the validated participant by automatically communicating with the at least one investment service provider (ISP) and at least one payroll service provider (PSP) based on the feedback from the validated participant.

Claims21

Dependent claims

A system for one-click transactions and financial advice using integrated systems, the system comprising:

a secure switch operable to communicate bilaterally with at least one financial service provider (FSP);
and
at least one gateway server electronically communicating with the secure switch and including a processor and a memory communicatively coupled to the processor, the memory storing instructions executable by the system to perform operations, the operations comprising:
exchanging cryptographic information with a computing device associated with a prospective participant, the cryptographic information adapted to encrypt and decrypt communications;
receiving, from the prospective participant, identifying information associated with the prospective participant;
validating the identifying information using the cryptographic information;
converting the prospective participant to a validated participant after the validating operation;
receiving a plurality of data sources of the validated participant including payroll data and retirement account data of the validated participant;
sending a call-to-action message to the validated participant based on analyzing of the plurality of data sources of the validated participant including the payroll data and the retirement account data of the validated participant;
receiving feedback from the validated participant based on the call-to-action message;
and
automatically implementing advice for the validated participant by automatically communicating with at least one of:
at least financial service provider (FSP) and at least one banking service provider (BSP) based on the feedback from the validated participant;
and
at least one application programming interface electronically communicating with the at least one gateway server and adapted to communicate bilaterally with a participant application being executed on the computing device.

12 more elements

A computer-implemented method with integrated systems for one-click transactions and financial advice using one or more gateway servers, the method comprising:

exchanging cryptographic information with a mobile device associated with a prospective participant, the cryptographic information adapted to encrypt and decrypt communications;
receiving, from the prospective participant, identifying information associated with the prospective participant;
validating the identifying information using the cryptographic information;
converting the prospective participant to a validated participant after the validating operation;
receiving a plurality of data sources of the validated participant including payroll data and retirement account data of the validated participant;
sending a call-to-action message to the validated participant based on analyzing of the plurality of data sources of the validated participant including the payroll data and the retirement account data of the validated participant;
receiving feedback from the validated participant based on the call-to-action message;
and
automatically implementing advice for the validated participant by automatically communicating with at least one investment service provider (ISP) and at least one payroll service provider (PSP) based on the feedback from the validated participant.

6 more elements

A non-transitory computer-readable storage medium having embodied thereon a program, the program being executable by a processor to perform operations with integrated systems for one-click transactions and financial advice using one or more gateway servers, the operations comprising:

exchanging cryptographic information with a mobile device associated with a prospective participant, the cryptographic information adapted to encrypt and decrypt communications;
receiving, from the prospective participant, identifying information associated with the prospective participant;
validating the identifying information using the cryptographic information;
converting the prospective participant to a validated participant after the validating operation;
receiving a plurality of data sources of the validated participant including payroll data and retirement account data of the validated participant;
sending a call-to-action message to the validated participant based on analyzing of the plurality of data sources of the validated participant including the payroll data and the retirement account data of the validated participant;
receiving feedback from the validated participant based on the call-to-action message;
and
automatically implementing advice for the validated participant by automatically communicating with at least one investment service provider (ISP) and at least one payroll service provider (PSP) based on the feedback from the validated participant.

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 17/134,495Filed 27 Dec 2020
Priority: 31 Dec 2019
Published: 1 Jul 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification12 codes

G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
G06F 21/31
Authentication, i.e. establishing the identity or authorisation of security principals: user authentication
G06F 21/33
User authentication: using certificates
G06Q 20/027
Involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]: involving a payment switch or gateway