US 12,437,277 B2
Systems and methods for funds transfer account aggregator
Chukwunonso Arinze, Chicago, IL (US)
Appl. No. 18/277,971
Filed by KAOSHI INC., Chicago, IL (US)
PCT Filed Feb. 19, 2021, PCT No. PCT/US2021/018874
§ 371(c)(1), (2) Date Aug. 18, 2023,
PCT Pub. No. WO2022/177574, PCT Pub. Date Aug. 25, 2022.
Prior Publication US 2024/0152886 A1, May 9, 2024
Int. Cl. G06Q 10/107 (2023.01); G06Q 20/10 (2012.01); G06Q 40/02 (2023.01)
CPC G06Q 20/10 (2013.01) [G06Q 10/107 (2013.01); G06Q 40/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system structured to facilitate financial transactions, the system comprising:
an account management circuit structured to generate a user account, the user account associated with a user, the account management circuit comprising an e-mail circuit;
a user account vault structured to retrievably store user data associated with the user;
an executable structured to be provided to a user computing system, the executable structured to:
determine whether a user browser is in an open state on the user computing system;
determine whether the user browser is in a navigated state to a first hyperlink, the first hyperlink associated with a first webpage of a first financial institution of a plurality of financial institutions; and
intercept a user input provided by the user to the first webpage via the user browser; and
a transaction circuit structured to:
based on the user input to the first webpage, determine whether a first financial institution account associated with the first financial institution and the user exists in the user account vault;
facilitate, responsive to determining that the first financial institution account exists, a financial transaction at the first financial institution;
receive, via the e-mail circuit from the first financial institution, a confirmation that the financial transaction is completed;
generate a first notification comprising the confirmation; and
provide the first notification to the user computing system.