System and method for storing, creating, and organizing financial information electronically
First Claim
1. A method of storing, creating, and organizing financial information electronically, the method comprising:
- establishing a communication session between a first system and a second system;
communicating financial information from the second system to the first system corresponding to a first account; and
associating the financial information with a folder, category, or group in the first system, the folder being one of a plurality of folders being associated with each other in a hierarchical manner, wherein the plurality of folders are defined by a customer user associated with the first account.
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Accused Products
Abstract
A system and/or method which offers customer-driven aggregation of data, with the ability to dynamically modify the filing hierarchy and to store, create and organize digital financial information. The system enables customers to establish a hierarchy of file folders, file any payment whether paper or electronic in a folder for future reference, provide secure storage for an indefinite period for any payment, including credit card payments, debit card transactions, imaged checks, electronic bill payments or account statements. As such, customers can create and change at will their file folder hierarchy and file documents with notes. Customers can set a preference for automatic filing based on pre-established criteria such as folders based standard merchant categories or by month. Customers can also ‘file’ payments when they are created or viewed in the transaction history. The systems of the exemplary embodiments provide a search function, enabling retrieval of documents based on a document storage time stamp, date last accessed, date posted, dollar amount, or by file folder, group, or category. Customers can view document access history. Further, the systems offer customers convenience, privacy, security and prevention of document loss from disaster, and protection from document or identity theft.
85 Citations
25 Claims
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1. A method of storing, creating, and organizing financial information electronically, the method comprising:
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establishing a communication session between a first system and a second system;
communicating financial information from the second system to the first system corresponding to a first account; and
associating the financial information with a folder, category, or group in the first system, the folder being one of a plurality of folders being associated with each other in a hierarchical manner, wherein the plurality of folders are defined by a customer user associated with the first account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for storing, creating, and organizing financial information associated electronically, the system comprising:
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a host computer coupled to a network and running programmed instructions to provide reporting and folder operations; and
a customer user computer connectable to the network, the customer user computer communicating customer user information to the host computer;
wherein the host computer provides an on-line environment for a customer user to organize, send, search, create, and save financial information using a hierarchy of folders defined by the customer user, further wherein each folder in the hierarchy of folders includes multiple indicators, whereby searches can be done across folders. - View Dependent Claims (11, 12, 13, 14)
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15. A system of storing, creating, and organizing financial information electronically, the system comprising:
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means for establishing a communication session between a first system and a second system;
means for communicating financial information from the second system to the first system corresponding to an first account; and
means for associating the financial information with a folder, category, or group in the first computer, the folder, category, or group being one of a plurality of folders, categories or groups being associated with each other in a hierarchical manner, wherein the plurality of folders, categories or groups are defined by a customer user associated with the first account. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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Specification