Method and Apparatus for Inbound Message Management

• US 20120191585A1
• Filed: 01/18/2012
• Published: 07/26/2012
• Est. Priority Date: 01/20/2011
• Status: Active Grant

• Current Assignee: HMBay Patents, LLC
• Original Assignee: Connexive, Inc.
• Inventors: Lefebvre, Martin Claude, Doles, Daniel Troy
• Granted Patent: US 10,115,154 B2
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A computer-implemented method for identifying accounts with which an individual does business. The computer receives an access credential for at least one message source and analyzes a plurality of messages in the message source. From the analysis, a plurality of institutions are identified and a system account is created on the computer that is preloaded with the institutions.

Claims

1. A computer-implemented method for identifying accounts with which an individual does business, the method comprising:

accessing a message stream, the message stream being associated with a message source, the message source requiring an access credential to access messages;

analyzing a plurality of messages in the message stream using the computer and the access credential;

responsive to the analyzing, inferring a plurality of institutions that the individual has a business relationship with; and

creating a system account on the computer, the system account including the plurality of institutions preloaded.

2. The computer-implemented method of claim 1,

wherein the analyzing further comprises identifying at least one institution account for a first institution in the plurality of institutions and

wherein the creating further comprising including the institution account in the system account.

3. The computer-implemented method of claim 2, further comprising identifying at least a second institution account for a second institution in the plurality of institutions, the first institution and the second institution being different entities.

4. The computer-implemented method of claim 1, wherein

the analyzing further comprising:

using a white list to identify a second plurality of messages in the plurality of messages sent from desired institutions;

extracting at least one account number for a first institution account from a first institution from the second plurality of messages according to one or more rules; and

the creating further comprising including the institution account and the account number in the system account.

5. The computer-implemented method of claim 4, wherein the creating occurs responsive to verification that the extracted account number is unique for the first institution.

6. The computer-implemented method of claim 1,

wherein the analyzing further comprises identifying a first message in the plurality of messages from a first institution and identifying at least a first institution account and a second institution account from the first message and

wherein the creating further comprising including the first institution account and the second institution account in the system account.

7. The computer-implemented method of claim 6, wherein the first institution account and the second institution account with the first institution.

8. The computer-implemented method of claim 6, wherein the first institution account with the first institution and the second institution account with a second institution, the first institution and the second institution being different entities.

9. The computer-implemented method of claim 8, further comprising:

inferring that the first institution account is a payment method for the second institution account and

wherein the creating further comprising including the payment method in the system account.

10. The computer-implemented method of claim 1,

wherein the analyzing further comprises

identifying a first message in the plurality of messages sent by a first institution and

identifying at least a first institution account in the first message and

identifying a second institution for the first institution account, the first institution and the second institution being different entities;

and

wherein the creating further comprising including the first institution account associated with the second institution in the system account.

11. The computer-implemented method of claim 1, further comprising repeating the receiving, analyzing, inferring, and creating with a second message stream for a second individual into the system account.

12. A system comprising:

a storage,

a network interface, and

a computer system, the computer system coupled in communication with the network interface and the storage, the computer system including a controller programmed to;

receive an access credential for at least one message source at the computer over the network interface;

analyze a plurality of messages in the message source accessed over the network interface through use of the access credential;

responsive to the analysis, infer a plurality of institutions that the individual has a business relationship with; and

create a system account on the storage, the system account including the plurality of institutions preloaded.

13. The system of claim 12, wherein the analysis further comprises programming to identify at least one institution account for a first institution in the plurality of institutions, and to identify at least a second institution account for a second institution in the plurality of institutions, the first institution and the second institution being different entities.

14. The system of claim 12, wherein the creation occurs responsive to verification by the controller that the extracted account number is unique for the first institution.

15. The system of claim 12,

wherein the analyzing further comprises

identifying a first message in the plurality of messages sent by a first institution and

identifying at least a first institution account in the first message and

identifying a second institution for the first institution account, the first institution and the second institution being different entities;

and

wherein the creating further comprising including the first institution account associated with the second institution in the system account.

16. The system of claim 12, further comprising the controller to repeat the reception, analysis, inference, and creation with a second message source for a second individual and to store results into the system account on the storage.

17. An apparatus for identifying accounts with which an individual does business, the apparatus comprising:

means for receiving an access credential for at least one message source at a computer;

means for analyzing a plurality of messages in the message source using the computer and the access credential;

means for responsive to the analyzing, inferring a plurality of institutions that the individual has a business relationship with; and

means for creating a system account on the computer, the system account including the plurality of institutions preloaded.

18. A computer-implemented method comprising:

receiving an access credential for at least one message source at a computer;

analyzing a plurality of messages from the message source using the computer and the access credential and a plurality of templates;

responsive to the analyzing, generating a summary of information about household accounts extracted from the plurality of messages using the computer.

19. The computer-implemented method of claim 18 further comprising:

determining a set of institutions associated with at least some of the plurality of messages, at least some of the plurality of messages having institution identifying information and institution account related information; and

,

wherein the summary of information about household accounts includes the set of institutions and related institution account information.

20. The computer-implemented method of claim 18 further comprising:

determining that a message of the plurality of messages indicates that a bill is due; and

,

associating the institution account, an institution name, a bill amount with the household accounts.

21. The computer-implemented method of claim 20 further comprising:

associating a bill payment status with the household accounts.