SYSTEMS AND METHODS TO OPEN AND CLOSE THE ACCESS FOR THE AUTHORIZATION OF CHARGING A CHECKING ACCOUNT, SAVINGS ACCOUNT, MONEY MARKET ACCOUNT, CREDIT ACCOUNT, INVESTMENT ACCOUNT AND/OR A REWARD POINTS ACCOUNT THROUGH A MOBILE OR WEB APP.

摘要

Systems and methods to open and close the access for the authorization of charging a checking account, savings account, money market account, investment account, credit account and/or reward points account through an app for mobile devices or Web. It includes computer programming systems, methods and products to create a security system that authenticates the financial service users. The system is controlled remotely or on-site, a mobile device sends authorization information to the bank or financial institution for access to the user financial accounts, enabling these to keep active for a determined time span. A use method and system with two modes: pre-authorized access and access in real time.

主权项

1. A system that allows the user to open or close the access for charges or transactions in their bank accounts remotely, that comprises a first transaction and/or command communication device, including an information processor to determine the user authentication, a processor to transmit the authorization to open or close the account access, a transmitter to transmit the user localization, a second receiving device to receive the identity information, a transmitter to transmit the access authorization, a receiver to process the user authorization. The system comprises the security of the mobile transactions device; a memory device; a communication device; and a processing device that is configured to receive the user security protocol that comprises an authentication module and an authorization module to open or close the access for charges or transactions to its bank or financial accounts.