Methods and systems for verifying customer supplied...

G - Physics – 06 – Q

Patent

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G06Q 40/02 (2012.01)

Patent

CA 2728618

Embodiment of the invention describe methods and systems for verifying customer supplied financial account information verification using debit and credit transactions. These methods include electronically transmitting an electronic debit and credit transaction to the customer financial account, based on the customer supplied financial account information. The method also includes electronically transmitting a first statement descriptor, as part of at least one of the electronic debit transaction and the electronic credit transaction, that includes a first verification code. The method also includes electronically receiving, from the customer, a second verification code, and comparing, by the computer system, the transmitted first verification code with the received second verification code with respect to each other. The method also includes verifying, by the computer system, the customer supplied financial account information based on the comparison of the verification codes.

La présente invention porte, dans des modes de réalisation, sur des procédés et des systèmes pour vérifier des informations de compte financier fournies par un client à l'aide de transactions de débit et de crédit. Ces procédés comprennent la transmission électronique d'une transaction de débit et de crédit électronique au compte financier du client, sur la base des informations de compte financier fournies par le client. Le procédé comprend également la transmission électronique d'un premier descripteur de relevé, en tant que partie d'au moins l'une de la transaction de débit électronique et de la transaction de crédit électronique, qui comprend un premier code de vérification. Le procédé comprend également la réception électronique, à partir du client, d'un second code de vérification, et la comparaison, par le système informatique, du premier code de vérification transmis avec le second code de vérification reçu l'un par rapport à l'autre. Le procédé comprend également la vérification, par le système informatique, des informations de compte financier fournies par le client sur la base de la comparaison des codes de vérification.

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