Online bill payment management and projected account balances
First Claim
Patent Images
1. A method for generating an account balance for display, comprising:
- obtaining account data from a financial institution, the account data describing a user'"'"'s account;
obtaining additional transaction data for the user'"'"'s account, describing at least one additional transaction from a source other than the financial institution;
generating, at a server remotely located with respect to the user, a projected account balance for a future date based on the obtained account data and the obtained additional transaction data; and
transmitting the projected account balance to a computing device accessible to the user, for display thereon.
1 Assignment
0 Petitions
Accused Products
Abstract
User-entered transactions, not yet recorded or processed by a financial institution, transactions generated by the user in other systems such as biller direct websites or presented bills, and transactions received from the financial institution are combined so as to develop and display projected balances at a banking website. Projected balances take into account manually-entered information combined with information for transactions that have already been processed by the financial institution, so as to provide accurate projected balances.
135 Citations
97 Claims
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1. A method for generating an account balance for display, comprising:
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obtaining account data from a financial institution, the account data describing a user'"'"'s account;
obtaining additional transaction data for the user'"'"'s account, describing at least one additional transaction from a source other than the financial institution;
generating, at a server remotely located with respect to the user, a projected account balance for a future date based on the obtained account data and the obtained additional transaction data; and
transmitting the projected account balance to a computing device accessible to the user, for display thereon. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A method for managing bill payments, comprising:
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receiving an account balance for a user'"'"'s account;
receiving electronic bill pay data;
generating a projected account balance for a future date based on the received account balance and the received electronic bill pay data; and
outputting the projected account balance. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A method for managing bill payments, comprising:
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receiving an account balance for a user'"'"'s account;
receiving an electronically-presented bill;
generating a projected account balance for a future date based on the received account balance and the received bill; and
outputting the projected account balance. - View Dependent Claims (32, 33)
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34. A computer program product for generating an account balance for display, comprising:
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a computer-readable medium; and
computer program code, encoded on the medium, for;
obtaining account data from a financial institution, the account data describing a user'"'"'s account;
obtaining additional transaction data for the user'"'"'s account, describing at least one additional transaction for the user'"'"'s account;
generating, at a server remotely located with respect to the user, a projected account balance for a future date based on the obtained account data and the obtained additional transaction data; and
transmitting the projected account balance to a computing device accessible to the user, for display thereon. - View Dependent Claims (35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
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48. A computer program product for managing bill payments, comprising:
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a computer-readable medium; and
computer program code, encoded on the medium, for;
receiving an account balance for a user'"'"'s account;
receiving electronic bill pay data;
generating a projected account balance for a future date based on the received account balance and the received electronic bill pay data; and
outputting the projected account balance. - View Dependent Claims (49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62)
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63. A computer program product for managing bill payments, comprising:
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a computer-readable medium; and
computer program code, encoded on the medium, for;
receiving an account balance for a user'"'"'s account;
receiving an electronically-presented bill;
generating a projected account balance for a future date based on the received account balance and the received bill; and
outputting the projected account balance. - View Dependent Claims (64, 65)
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66. A system for generating an account balance for display, comprising, at an online banking web server:
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a financial institution interface for obtaining account data from a financial institution, the account data describing a user'"'"'s account;
a client communication interface, for obtaining from a client machine additional transaction data for the user'"'"'s account, describing at least one additional transaction for the user'"'"'s account; and
a report generation module, for generating a projected account balance for a future date based on the obtained account data and the obtained additional transaction data;
wherein the client communication interface transmits the projected account balance to the client machine, for display thereon. - View Dependent Claims (67, 68, 69, 70, 71, 72, 73, 74, 75, 76, 77, 78, 79)
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80. A system for managing bill payments, comprising:
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a financial institution interface for receiving an account balance for a user'"'"'s account;
a client communication interface, for receiving electronic bill pay data; and
a report generation module, for generating a projected account balance for a future date based on the received account balance and the received user input;
wherein the client communication interface transmits the projected account balance to a client machine, for display thereon. - View Dependent Claims (81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94)
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95. A system for managing bill payments, comprising:
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a financial institution interface for receiving an account balance for a user'"'"'s account;
a scraper, for receiving and processing an electronically-presented bill; and
a report generation module, for generating a projected account balance for a future date based on the received account balance and the received bill; and
wherein the client communication interface transmits the projected account balance to a client machine, for display thereon. - View Dependent Claims (96, 97)
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Specification