Streamlining application using a social network platform
First Claim
1. An apparatus for use in providing electronic financial management, whereby the apparatus streamlines customer finance and customer money management platforms and provides a comparison based on a social network platform, the apparatus comprising:
- at least one memory; and
a processing device operatively coupled to the at least one memory, wherein the processing device is configured to;
provide a financial management application for installation on a customer device associated with a customer, whereby the financial management application interfaces with an online banking application to access financial information of the customer for use in streamlining finances and money management strategies of the customer;
determine a level of authentication required to access the financial management application and the online banking application, wherein the level of authentication required to access the financial management application and the online banking application is lenient authentication;
electronically receive one or more authentication credentials from the customer, wherein the one or more authentication credentials are associated with the financial management application and the online banking application;
validate the one or more authentication credentials, wherein validating further comprises determining that the one or more authentication credentials meet the level of authentication required to access the financial management application and online banking application;
determine a level of authentication required to access the financial information of the customer, wherein the level of authentication required to access the financial information of the customer is strict authentication;
determine that the level of authentication required to access the financial information of the customer is higher than the level of authentication required to access the financial management application and the online banking application;
determine a portion of the financial information to be displayed on the customer device, wherein determining further comprises restricting the financial information based on at least the level of authentication required to access the financial management application and the online banking application;
initiate a presentation of a first user interface for display on the customer device, wherein the first user interface comprises at least the portion of the financial information;
execute an electronic data collection script, via the customer device, on one or more host machines within a networked environment, wherein the electronic data collection script queries the one or more host machines to electronically collect social network financial information, the social network financial information comprising financial information associated with other customers;
compare the financial information of the customer to the social network financial information;
present a comparison of the financial information of the customer to the social network financial information.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention are directed to systems, methods and computer program products for use in streamlining customer finance and customer money management platforms. An exemplary apparatus may be configured to provide a financial management application, whereby the financial management application interfaces with an online banking platform to access a customer'"'"'s financial information for use in streamlining the customer'"'"'s finances and money management strategies; receive social network financial information, the social network financial information comprising financial information associated with other customers; compare the customer'"'"'s financial information to the social network financial information; present a comparison of the customer'"'"'s financial information to the social network financial information.
96 Citations
20 Claims
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1. An apparatus for use in providing electronic financial management, whereby the apparatus streamlines customer finance and customer money management platforms and provides a comparison based on a social network platform, the apparatus comprising:
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at least one memory; and a processing device operatively coupled to the at least one memory, wherein the processing device is configured to; provide a financial management application for installation on a customer device associated with a customer, whereby the financial management application interfaces with an online banking application to access financial information of the customer for use in streamlining finances and money management strategies of the customer; determine a level of authentication required to access the financial management application and the online banking application, wherein the level of authentication required to access the financial management application and the online banking application is lenient authentication; electronically receive one or more authentication credentials from the customer, wherein the one or more authentication credentials are associated with the financial management application and the online banking application; validate the one or more authentication credentials, wherein validating further comprises determining that the one or more authentication credentials meet the level of authentication required to access the financial management application and online banking application; determine a level of authentication required to access the financial information of the customer, wherein the level of authentication required to access the financial information of the customer is strict authentication; determine that the level of authentication required to access the financial information of the customer is higher than the level of authentication required to access the financial management application and the online banking application; determine a portion of the financial information to be displayed on the customer device, wherein determining further comprises restricting the financial information based on at least the level of authentication required to access the financial management application and the online banking application; initiate a presentation of a first user interface for display on the customer device, wherein the first user interface comprises at least the portion of the financial information; execute an electronic data collection script, via the customer device, on one or more host machines within a networked environment, wherein the electronic data collection script queries the one or more host machines to electronically collect social network financial information, the social network financial information comprising financial information associated with other customers; compare the financial information of the customer to the social network financial information; present a comparison of the financial information of the customer to the social network financial information. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer program product for use in providing electronic financial management, whereby the computer program product implements a process for streamlining customer finance and customer money management platforms and provides a comparison based on a social network platform, the computer program product comprising:
a non-transitory computer-readable medium comprising a set of codes for causing a computer to; provide a financial management application for installation on a customer device associated with a customer, whereby the financial management application interfaces with an online banking application to access financial information of the customer for use in streamlining finances and money management strategies of the customer; determine a level of authentication required to access the financial management application and the online banking application, wherein the level of authentication required to access the financial management application and the online banking application is lenient authentication; electronically receive one or more authentication credentials from the customer, wherein the one or more authentication credentials are associated with the financial management application and the online banking application; validate the one or more authentication credentials, wherein validating further comprises determining that the one or more authentication credentials meet the level of authentication required to access the financial management application and online banking application; determine a level of authentication required to access the financial information of the customer, wherein the level of authentication required to access the financial information of the customer is strict authentication; determine that the level of authentication required to access the financial information of the customer is higher than the level of authentication required to access the financial management application and the online banking application; determine a portion of the financial information to be displayed on the customer device, wherein determining further comprises restricting the financial information based on at least the level of authentication required to access the financial management application and the online banking application; initiate a presentation of a first user interface for display on the customer device, wherein the first user interface comprises at least the portion of the financial information; execute an electronic data collection script, via the customer device, on one or more host machines within a networked environment, wherein the electronic data collection script queries the one or more host machines to electronically collect social network financial information, the social network financial information comprising financial information associated with other customers; compare the financial information of the customer to the social network financial information; present a comparison of the financial information of the customer to the social network financial information. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A method for use in providing electronic financial management, whereby customer finance and customer money management platforms are streamlined with one another and a comparison is provided based on a social network platform, the method comprising:
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providing a financial management application for installation on a customer device associated with a customer, whereby the financial management application interfaces with an online banking application to access financial information of the customer for use in streamlining finances and money management strategies of the customer; determining a level of authentication required to access the financial management application and the online banking application, wherein the level of authentication required to access the financial management application and the online banking application is lenient authentication; electronically receiving one or more authentication credentials from the customer, wherein the one or more authentication credentials are associated with the financial management application and the online banking application; validating the one or more authentication credentials, wherein validating further comprises determining that the one or more authentication credentials meet the level of authentication required to access the financial management application and online banking application; determining a level of authentication required to access the financial information of the customer, wherein the level of authentication required to access the financial information of the customer is strict authentication; determining that the level of authentication required to access the financial information of the customer is higher than the level of authentication required to access the financial management application and the online banking application; determining a portion of the financial information to be displayed on the customer device, wherein determining further comprises restricting the financial information based on at least the level of authentication required to access the financial management application and the online banking application; initiating a presentation of a first user interface for display on the customer device, wherein the first user interface comprises at least the portion of the financial information; executing an electronic data collection script, via the customer device, on one or more host machines within a networked environment, wherein the electronic data collection script queries the one or more host machines to electronically collect social network financial information, the social network financial information comprising financial information associated with other customers; comparing the financial information of the customer to the social network financial information; presenting a comparison of the financial information of the customer to the social network financial information. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification