Management method and system for a user

• US 20080033871A1
• Filed: 07/19/2006
• Published: 02/07/2008
• Est. Priority Date: 07/19/2006
• Status: Active Grant

• Current Assignee: Refinitiv US Organization, LLC (Refinitiv US Holdings, Inc.)
• Original Assignee: Thomson Reuters US (The Woodbridge Co. Ltd.)
• Inventors: Schneider, Douglas, Kleiner, Alexander M., Prastos, Nicholas, Birbara, Linda H., Burkley, Matthew P., Coluni, Barbara, Kim, Patrick C., Bench, John P.
• Granted Patent: US 8,775,214 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The invention provides a system, method, machine readable program and a graphical user interface for managing multiple accounts associated with a user. The method includes receiving a first set of information associated with identification of a user, in response to the first set of information, identifying a second set of information relating to a financial account associated with the user, the financial account being associated with a financial institution, in response to the first set of information. The method also includes identifying a third set of information relating to a health account associated with the user, the health account being associated with a healthcare institution. A fourth set of information is generated based upon the second set of information and the third set of information. The method also includes sending a signal representative of the fourth set of information. The signal may be sent to the user or a designee of the user.

Claims

1. A method for managing multiple accounts associated with a user, the method comprising:

(a) receiving a first set of information associated with identification of the user;

(b) in response to the first set of information, identifying a second set of information relating to a financial account associated with the user, the financial account being associated with a financial institution;

(c) in response to the first set of information, identifying a third set of information relating to a health account associated with the user, the health account being associated with a healthcare institution;

(d) generating a fourth set of information based upon the second set of information and the third set of information; and

(e) sending a signal representative of the fourth set of information to the user or a designee of the user.

2. The method of claim 1, wherein the first set of information includes information selected from the group consisting of an account number, a telephone number, a website username, a date, an electronic mail address and combinations thereof.

3. The method of claim 1, wherein the financial account is an account associated with the user'"'"'s finances.

4. The method of claim 3, wherein the financial account is selected from the group consisting of a bank account, a mortgage account, a tax account, an education account, a credit account, a brokerage account and a retirement account.

5. The method of claim 1, wherein the health account is selected from the group consisting of a benefits record, a health insurance account, a disability insurance account, a long term care insurance account, a medical record account and a pharmaceutical record account.

6. The method of claim 5, wherein transactions performed using data relating to the health of the user are transacted in accordance with a preselected standard.

7. The method of claim 6, wherein the preselected standard is established in accordance with the Health Insurance Portability and Accountability Act.

8. The method of claim 1, wherein the fourth set of information is an amalgamation of the second set of information and the third set of information.

9. The method of claim 1, wherein the fourth set of information is a subset of an amalgamation of the second set of information and the third set of information.

10. The method of claim 1, wherein a fifth set of information is identified in response to the first set of information, the fifth set of information relating to a second financial account of the user.

11. The method of claim 10, wherein the second financial account is associated with a second financial institution.

12. The method of claim 11, wherein the fourth set of information is generated using the fifth set of information and at least one of the second and third sets of information.

13. The method of claim 1, wherein a sixth set of information is identified in response to the first set of information, the sixth set of information relating to a second health account of the user.

14. The method of claim 13, wherein the second health account is associated with a second health institution.

15. The method of claim 13, wherein the fourth set of information is generated using the sixth set of information and at least one of the second, third sets of information.

16. The method of claim 1, wherein the second set of information further includes information relating to a financial advisor of the user.

17. The method of claim 16, wherein the financial advisor is selected from the group consisting of a stockbroker, a financial planner, an accountant, a credit analyst, a real estate agent, and an attorney.

18. The method of claim 16, wherein the second set of information includes information relating to the credentials of the financial advisor.

19. The method of claim 1, wherein the third set of information further includes information relating to a health advisor of the user.

20. The method of claim 19, wherein the health advisor is selected from the group consisting of a doctor, a health insurance agent, a physical therapist, a psychologist, a spiritual advisor and a therapist.

21. The method of claim 19, wherein the second set of information includes information relating to the credentials of the health advisor.

22. The method of claim 1 wherein the signal is related to a set of actionable information.

23. The method of claim 22, wherein an operation can be performed on the set of actionable information.

24. The method of claim 23, wherein the operation is performed by using a decision support tool selected by the user.

25. The method of claim 24, wherein the decision support tool permits computation of a financial projection, a health projection or a lifestyle projection.

26. The method of claim 25, wherein the decision support tool is selected from the group consisting of a retirement calculator, a college savings calculator, a drug cost saving calculator, a goal tracker, and combinations thereof.

27. The method of claim 22, wherein the actionable information relates to at least one of a financial or a healthcare decision.

28. The method of claim 22, further comprising receiving a decision associated with the user in response to the set of actionable information.

29. The method of claim 28, further comprising updating the second set of information based upon the decision.

30. The method of claim 28, further comprising updating the third set of information based upon the decision.

31. The method of claim 28, wherein the decision is selected from the group consisting of an affirmative response and a negative response.

32. The method of claim 31, wherein the decision is an additional response.

33. The method of claim 1 wherein the signal is related to an alert sent to the user.

34. The method of claim 33, wherein the alert relates to a health decision or a financial decision.

35. The method of claim 33, wherein the alert is sent to the user by way of electronic mail.

36. The method of claim 22, wherein the set of actionable information includes a financial projection that computes the effect of costs of the health or lifestyle of the user on the user'"'"'s finances.

37. The method of claim 1, wherein the user permits an advisor to access desired profile information relating to the user in a database.

38. The method of claim 37, wherein the advisor is a financial advisor and the profile information includes financial information relating to the user.

39. The method of claim 37, wherein the user specifies a subset of the profile information that the advisor can access.

40. The method of claim 37, wherein the advisor is a health advisor and the profile information includes health information relating to the user.

41. The method of claim 1, wherein the user is a consumer.

42. The method of claim 1, wherein the user is a designee of a consumer.

43. The method of claim 42, wherein the designee is selected from the group consisting of an advisor of the user, a guardian of the user, a family member of the user, and a legal designee of the user.

44. A system for managing multiple accounts associated with a user, the system comprising:

(a) means for receiving a first set of information associated with identification of the user;

(b) means for identifying a second set of information in response to the first set of information, the second set of information relating to a financial account associated with the user, the financial account being associated with a financial institution;

(c) means for identifying a third set of information in response to the first set of information, the third set of information relating to a health account associated with the user, the health account being associated with a healthcare institution;

(d) means for generating a fourth set of information based upon the second set of information and the third set of information; and

(e) means for sending a signal representative of the fourth set of information to the user or a designee of the user.

45. A machine readable program on a computer readable medium containing instructions for controlling a system for managing multiple accounts associated with a user, the program comprising:

(a) a first computer code segment for processing a first set of received information associated with identification of the user;

(b) a second computer code segment for identifying a second set of information in response to the first set of information, the second set of information relating to a financial account associated with the user, the financial account being associated with a financial institution;

(c) a third computer code segment for identifying a third set of information in response to the first set of information, the third set of information relating to a health account associated with the user, the health account being associated with a healthcare institution;

(d) a fourth computer code segment for generating a fourth set of information based upon the second set of information and the third set of information; and

(e) a fifth computer code segment for sending a signal representative of the fourth set of information to the user or a designee of the user.

46. A graphical user interface for controlling a system for managing multiple accounts associated with a user, the graphical user interface comprising:

(a) a first field for receiving a first set of information associated with identification of the user;

(b) a second field for specifying a second set of information relating to a financial account associated with the user, the financial account being associated with a financial institution;

(c) a third field for specifying a third set of information relating to a health account associated with the user, the health account being associated with a healthcare institution;

(d) a fourth field for requesting generation of a fourth set of information based upon the second set of information and the third set of information; and

(e) a fifth field for displaying a signal representative of the fourth set of information to the user or a designee of the user.