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Data collection and transaction initiation using a financial messaging protocol

  • US 20030204460A1
  • Filed: 03/19/2003
  • Published: 10/30/2003
  • Est. Priority Date: 04/30/2002
  • Status: Abandoned Application
First Claim
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1. A system for providing financial account information to a personal financial manager client utilizing the financial institution'"'"'s existing online Internet application, comprising:

  • a. a Web Agent to communicate with a financial messaging protocol server;

    b. a Browser Proxy application that emulates a consumer accessing their online financial application using Internet browser protocol methods;

    c. an HTML Parser that parses the online financial application web pages, extracts specific information from fields, and normalize the field values to consistent formats;

    d. an institution access script with instructions on how to access the online financial application web site, navigate the online financial application web pages, and locate specific fields with required information; and

    e. a database that contains a consumer profile and can contain account information such as balance, transaction history, positions, open market orders, access credentials, and log information.

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