Data collection and transaction initiation using a financial messaging protocol
First Claim
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.
2 Assignments
0 Petitions
Accused Products
Abstract
Financial Data Collector System that accepts a request from a financial messaging protocol server for financial account information, utilizes HTML Web page parsing to access a consumer'"'"'s online financial account information from an Internet Web site, and returns the information in a message response. This system utilizes HTML parsing technology to emulate a consumer accessing online financial account information. Relevant data is parsed from the captured Web pages and download files, normalized, and returned in a formatted message response to the requester. This system provides a flexible, low cost, and quick to market implementation over existing solutions.
178 Citations
18 Claims
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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:
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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. - View Dependent Claims (2, 3, 4, 5, 6)
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- 7. A system for providing financial account information comprising a method for enrollment of consumers into the service through a validation of the consumer by an attempt to login to the online application using the consumer'"'"'s online access credentials that are supplied in the request message sent by the client.
- 9. The system for providing financial account information comprising a method for servicing requests for account information and returning a response with the relevant data or an error code.
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15. In response to a request from the Personal Financial Manager client for financial account data for a specific consumer
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16. In response to a request from a program that is scheduled at regular interval and requests a refresh of data for some or all consumers enrolled into the service
Specification