Computer-implemented program for budgeting and saving
First Claim
10. A computer network-implemented budgeting and saving method for use by clients and interested third parties, comprising:
- a) receiving from an active one of the clients a selection of at least one of the third parties as a team member;
b) receiving budget financial information and actual financial information from the active client;
c) determining budgeting results based on the budget financial information and the actual financial information, wherein the budget financial information, the actual financial information, and the budgeting results collectively define financial management information, d) generating reports based on the financial management information for the active client; and
e) permitting remote access to at least one of the reports by the team member but not by the other clients or the third parties not selected by the active client, wherein the active client and the client-selected team members can collaborate from remote locations to facilitate improved budgeting and saving by the client.
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Accused Products
Abstract
A web-based system for budgeting and saving by a client using a team approach. In an example embodiment, the system is configured for client homebuyers to collaborate with third parties such as financial counselors and real estate agents. The clients select third parties to their teams, and a team connect component enables the team members to exchange messages in real time. Based on their collaborative role, the third parties are assigned a class permission that sets their access to the client'"'"'s information. A collaboration module permits the client to navigate through the website with the client-selected screens also displayed to the third parties, provided they have the required class permission for the displayed information. The reports are sortable by field and configured so the third parties can select one or more clients from the reports and use the team connect component to communicate with all the selected clients simultaneously.
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Citations
37 Claims
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10. A computer network-implemented budgeting and saving method for use by clients and interested third parties, comprising:
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a) receiving from an active one of the clients a selection of at least one of the third parties as a team member;
b) receiving budget financial information and actual financial information from the active client;
c) determining budgeting results based on the budget financial information and the actual financial information, wherein the budget financial information, the actual financial information, and the budgeting results collectively define financial management information, d) generating reports based on the financial management information for the active client; and
e) permitting remote access to at least one of the reports by the team member but not by the other clients or the third parties not selected by the active client, wherein the active client and the client-selected team members can collaborate from remote locations to facilitate improved budgeting and saving by the client. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. A computer storage medium storing computer-readable instructions and data, comprising:
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a database storing profile information and financial management information for clients, wherein the financial management information includes budget financial information, actual financial information, and budgeting results;
a budgeting component for determining the budgeting results based on the budget financial information and the actual financial information;
a report generator for generating reports based on the financial management information;
a team building component for receiving from an active one of the clients a selection of interested third parties as team members, wherein the active client and the team members define a team, and at least one of the team members is permitted remote access to at least one of the reports for the active client; and
a team connect component for receiving a message from the active client or one of the team members and sending the message to all of the others on the team in real time, wherein when the computer storage medium is loaded onto a server computer connected to a communications network, the active client and the client-selected team members can collaborate from remote locations to facilitate improved budgeting and saving by the client. - View Dependent Claims (1, 2, 3, 4, 5, 6, 7, 8, 9, 27, 28, 29, 30, 31, 32, 33, 34, 35)
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34-1. The computer storage medium of claim 26, further comprising a goal-setting component for receiving inputted financial goals from the clients and inputted selections for adding the goals to the budget financial information.
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36. A computer storage medium storing computer-readable instructions and data, comprising:
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a database storing profile information and financial management information for clients, wherein the financial management information includes budget financial information, actual financial information, and budgeting results;
a budgeting component for determining the budgeting results based on the budget financial information and the actual financial information;
a budget test methodology including at least one predefined criterion for determining the budget results;
a report generator for generating reports based on the financial management information;
a team building component for receiving from an active one of the clients a selection of interested third parties as team members, wherein the active client and the team members define a team, and at least one of the team members is permitted remote access to at least one of the reports for the active client; and
a team connect component for receiving a message from the active client or one of the team members and sending the message to all of the others on the team in real time, wherein when the computer storage medium is loaded onto a server computer connected to a communications network, the active client and the client-selected team members can collaborate from remote locations to facilitate improved budgeting and saving by the client. - View Dependent Claims (37)
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Specification