Simultaneous real-time presentation of financial information
First Claim
1. A method of accessing substantially real-time financial information of account holders in a computerized system, the substantially real-time financial information describing at least two different accounts of each of at least two different account holders, each of the at least two different accounts being stored on a different record keeping system, the method comprising:
- (a) receiving, from a user, identification of a selected account holder by an access device, the selected account holder identification being indicative of at least one of the at least two account holders;
(b) determining, by the access device, the different record keeping systems which store the at least two different accounts associated with the selected account holder identification;
(c) transmitting, in response to the determining, requests by the access device to each of the determined different record keeping systems substantially simultaneously, the requests requesting therefrom, information associated with at least the stored one of the at least two different accounts of at least one of the at least two account holders indicated by the selected account holder identification; and
(d) receiving responses by the access device from the determined different record keeping systems in response to the requests, the responses including substantially real-time financial information associated with the at least the stored one of the at least two different accounts of at least one of the at least two account holders indicated by the selected account holder identification.
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Accused Products
Abstract
The present invention is defined by the following claims, and nothing in this section should be taken as a limitation on those claims. By way of introduction, the preferred embodiments describe below include a method of simultaneously presenting user specific real-time financial information includes authenticating a user, for example by using a user-id and password. Then receiving an input from the user indicating the shareholder of interest. The user is then presented with a list of the shareholder'"'"'s account information. The shareholder account information can be retrieved from several different record keeping systems. The record keeping systems can be maintained by different entities and can store the respective account information in different formats. The shareholder account information can be retrieved by broadcasting an account inquiry to the record keeping systems or by using a cross-reference table that indicates which record keeping systems the shareholder has accounts with. A combination of the broadcast and cross-reference table can be used. Once the shareholder account information is presented, the user can select an account, for example by a hyperlink tag, and receive detailed information about that account.
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Citations
47 Claims
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1. A method of accessing substantially real-time financial information of account holders in a computerized system, the substantially real-time financial information describing at least two different accounts of each of at least two different account holders, each of the at least two different accounts being stored on a different record keeping system, the method comprising:
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(a) receiving, from a user, identification of a selected account holder by an access device, the selected account holder identification being indicative of at least one of the at least two account holders;
(b) determining, by the access device, the different record keeping systems which store the at least two different accounts associated with the selected account holder identification;
(c) transmitting, in response to the determining, requests by the access device to each of the determined different record keeping systems substantially simultaneously, the requests requesting therefrom, information associated with at least the stored one of the at least two different accounts of at least one of the at least two account holders indicated by the selected account holder identification; and
(d) receiving responses by the access device from the determined different record keeping systems in response to the requests, the responses including substantially real-time financial information associated with the at least the stored one of the at least two different accounts of at least one of the at least two account holders indicated by the selected account holder identification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 30)
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24. A system for providing access to substantially real-time financial information of account holders in a computerized system, the substantially real-time financial information describing at least two different accounts of each of at least two different account holders, each of the at least two different accounts being stored on a different record keeping system, the system comprising:
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a server operative to receive, from a user, identification of a selected account holder, the selected account holder identification being indicative of at least one of the at least two account holders;
the server being further operative to determine the different record keeping systems which store the at least two different accounts associated with the selected account holder identification; and
wherein the server further comprises a communications module operative to transmit requests to each of the determined different record keeping systems substantially simultaneously, the requests requesting therefrom, information associated with at least the stored one of the at least two different accounts of at least one of the at least two account holders indicated by the selected account holder identification; and
wherein the communications module is further operative to receive responses to the requests from the determined different record keeping systems, the responses including substantially real-time financial information associated with the at least the stored one of the at least two different accounts of at least one of the at least two account holders indicated by the selected account holder identification. - View Dependent Claims (25, 26, 28, 29, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46)
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27. The system of claim 27, wherein the server is further operative to create a cross-reference in the database between the selected account holder identification and each of the different record keeping systems which respond with the requested substantially real-time financial information associated with the selected account holder identification and not create a cross-reference in the database between the selected account holder identification and each of the different record keeping systems which respond otherwise.
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47. A system for providing access to substantially real-time financial information of account holders in a computerized system, the substantially real-time financial information describing at least two different accounts of each of at least two different account holders, each of the at least two different accounts being stored on a different record keeping system, the system comprising:
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means for receiving, from a user, identification of a selected account holder by an access device, the selected account holder identification being indicative of at least one of the at least two account holders;
means for determining, by the access device, the different record keeping systems which store the at least two different accounts associated with the selected account holder identification;
means for transmitting, in response to the determining, requests by the access device to each of the determined different record keeping systems substantially simultaneously, the requests requesting therefrom, information associated with at least the stored one of the at least two different accounts of at least one of the at least two account holders indicated by the selected account holder identification; and
means for receiving responses by the access device from the determined different record keeping systems in response to the requests, the responses including substantially real-time financial information associated with the at least the stored one of the at least two different accounts of at least one of the at least two account holders indicated by the selected account holder identification.
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Specification