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1. (WO2015031688) FINANCIAL ACCOUNT AUTHENTICATION
Latest bibliographic data on file with the International Bureau   

Pub. No.: WO/2015/031688 International Application No.: PCT/US2014/053293
Publication Date: 05.03.2015 International Filing Date: 28.08.2014
IPC:
G06Q 40/02 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02
Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
Applicants: YODLEE, INC.[US/US]; 3600 Bridge Parkway, Suite 200 Redwood City, California 94065, US
Inventors: AGRAWAL, Prashant Kumar; IN
RAMESH, Nivedita; IN
GOVINDARAJAN, Narayanan; IN
Agent: GOREN, David; US
Priority Data:
14/015,13030.08.2013US
Title (EN) FINANCIAL ACCOUNT AUTHENTICATION
(FR) AUTHENTIFICATION D'UN COMPTE FINANCIER
Abstract:
(EN) Methods, systems, and apparatus, including computer programs encoded on computer storage media, for account authentication. A method includes receiving, from a user device, a request to include financial data describing a financial account in an interface, the financial account being associated with a particular financial institution; obtaining login information for accessing the financial account; providing the login information to a server system associated with the financial institution; in response to providing the login information to the server system, receiving, from the server system, data identifying one or more challenge questions; obtaining, from the user device, the respective answers for the one or more challenge questions; and storing the one or more challenge questions and their respective answers for use in accessing and aggregating financial data describing the financial account.
(FR) L'invention concerne des procédés, des systèmes et un appareil, comprenant des programmes informatiques codés sur des supports d'informations pour ordinateur, destinés à l'authentification d'un compte. Un procédé comprend : la réception, en provenance d'un dispositif utilisateur, d'une demande d'inclusion de données financières décrivant un compte financier dans une interface, le compte financier étant associé à une certaine institution financière ; l'obtention d'informations de connexion permettant d'accéder au compte financier ; la fourniture des informations de connexion à un système serveur associé à l'institution financière ; la réception, en provenance du système serveur, de données indiquant une ou plusieurs questions d'identification en réponse à la fourniture des informations de connexion au système serveur ; l'obtention, en provenance du dispositif utilisateur, des réponses auxdites questions d'identification ; et la mémorisation desdites questions d'identification et de leurs réponses afin de les utiliser lors de l'accès aux données financières décrivant le compte financier et lors de l'agrégation de ces données.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)