Systems and methods for performing integrated financial transactions
First Claim
1. A method, comprising:
- associating a subscriber with an identifier and account data representative of account information for accounts maintained by the subscriber at a plurality of different financial service providers, providing the subscriber with a control to initiate a financial transaction to combine a first service provided by a first financial service provider with a second different service provided by a second different financial service provider to create a third service different from the first service and the second service, generating a first set of instructions for the first financial service provider to perform the first service, the first set of instructions including instructions for employing the account data to access the accounts maintained by the subscriber at the first financial service provider, generating a second set of instructions for the second different financial service provider to perform the second different service, the second set of instructions including instructions for employing the account data to access the accounts maintained by the subscriber at the second different financial service provider, and providing the first and second sets of instructions to the first and second financial service providers, where execution of at least one of the first set and the second set of instructions coordinates respective operation of the respective first and second financial service providers to achieve the third service different from the first service and the second service.
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Abstract
The invention provides a tool kit for a small business owner to manage a plurality of different financial accounts and services and to perform a number of different financial transactions, wherein each of the transactions may involve multiple sub-transactions which occur among different financial service providers. For example, the system provides an integrated package that integrates financial service providers, such as a payroll service provider, a retirement plan service provider, a healthcare service provider or another type of service provider. The system provides one interface to a subscriber and the subscriber can select from the interface a financial transaction to perform, wherein the selected transaction involves a plurality of subtransactions, occurring between the system, and the involved financial service providers.
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Citations
20 Claims
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1. A method, comprising:
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associating a subscriber with an identifier and account data representative of account information for accounts maintained by the subscriber at a plurality of different financial service providers, providing the subscriber with a control to initiate a financial transaction to combine a first service provided by a first financial service provider with a second different service provided by a second different financial service provider to create a third service different from the first service and the second service, generating a first set of instructions for the first financial service provider to perform the first service, the first set of instructions including instructions for employing the account data to access the accounts maintained by the subscriber at the first financial service provider, generating a second set of instructions for the second different financial service provider to perform the second different service, the second set of instructions including instructions for employing the account data to access the accounts maintained by the subscriber at the second different financial service provider, and providing the first and second sets of instructions to the first and second financial service providers, where execution of at least one of the first set and the second set of instructions coordinates respective operation of the respective first and second financial service providers to achieve the third service different from the first service and the second service. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification