INTERACTIVE FINANCIAL INSTITUTION INTERFACE

• US 20140249977A1
• Filed: 03/04/2013
• Published: 09/04/2014
• Est. Priority Date: 03/04/2013
• Status: Abandoned Application

• Current Assignee: Rawllin International Inc.
• Original Assignee: Rawllin International Inc.
• Inventors: Kuznetsov, Vsevolod, Pushkin, Nicholas
• Application Number:
  US13/783,579
• Publication Number:
  US 20140249977A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Disclosed are electronic systems and techniques for implementing an interactive financial interface that uses messages sent to and from financial institutions to view account information and interact with accounts at disparate financial institutions. The interactive financial interface can display balances of the accounts at the financial institutions, combined or individually, the interface can also show spending history, income history, and trend information which can be used to facilitate making financial decisions. Charts and graphs showing spending history and trends can also be sorted and filtered based on a number of criteria to better show relationships and patterns in the transaction history. Based on the trends and patterns, the interface can also provide recommendations to accomplish financial goals. The interface can also facilitate two-way communications with the financial institutions and instructions and commands can be sent to the financial institutions via the interface.

Claims

1. A system, comprising:

a memory to store computer-executable instructions; and

a processor, communicatively coupled to the memory, which facilitates execution of the computer-executable instructions to at least;

receive a text message from a financial institution, wherein the text message comprises transaction information about a transaction that is associated with the financial institution;

generate summary data based on an analysis of the transaction information and financial information that is determined prior to receiving the text message, wherein a type of summary data is generated based on a defined criterion; and

facilitate display of the transaction information, the financial information, and the summary data on a mobile device.

2. The system of claim 1, wherein the processor further facilitates the execution of the computer-executable instructions to:

change the type of summary data generated based on a received selection.

3. The system of claim 1, wherein the processor further facilitates the execution of the computer-executable instructions to:

receive a second text message from a second financial institution with transaction information about a second transaction; and

generate updated summary data based on previous summary data and the transaction information about a second transaction.

4. The system of claim 3, wherein the updated summary data includes trend data.

5. The system of claim 4, wherein the processor further facilitates the execution of the computer-executable instructions to:

modify a financial plan associated with a financial goal based on the trend data.

6. The system of claim 1, wherein the processor further facilitates the execution of the computer-executable instructions to:

identify the financial institution based on metadata in the text message.

7. The system of claim 1, wherein the processor further facilitates the execution of the computer-executable instructions to:

create a financial plan associated with a financial goal based on the summary data.

8. The system of claim 1, wherein the processor further facilitates the execution of the computer-executable instructions to:

rearrange a presentation of the transaction information based on at least one of a date of the transaction, an amount of the transaction, or a party associated with the transaction.

9. The system of claim 1, wherein the processor further facilitates the execution of the computer-executable instructions to:

send a message to the financial institution, wherein the message includes metadata that identifies the message as having been sent from a mobile device associated with a bank account at a financial institution.

10. The system of claim 9, wherein the message is at least one of an email message or a text message.

11. The system of claim 9, wherein the message comprises an instruction for the financial institution to initiate a transaction.

12. A method, comprising:

receiving, by a system comprising at least one processor, a text message that comprises information about one or more transactions that are associated with an account at a first financial institution;

analyzing the information about the one or more transactions and generating a financial summary based on the information about the one or more transactions; and

facilitating displaying an interactive presentation showing the financial summary and financial information associated with the account at the first financial institution.

13. The method of claim 12, further comprising displaying the interactive presentation on a mobile device.

14. The method of claim 12, further comprising changing the financial summary based on feedback received via the interactive presentation.

15. The method of claim 12, further comprising:

receiving a second text message that comprises information about one or more transactions at a second financial institution; and

updating the financial summary based on the information from the second financial institution.

16. The method of claim 12, further comprising identifying a financial institution that sent the text message based on metadata in the text message.

17. The method of claim 12, further comprising generating a financial plan to achieve a financial goal based on the financial summary and the financial goal.

18. The method of claim 15, further comprising updating a financial plan based on the financial summary.

19. The method of claim 12, further comprising sending a text message to the first financial institution, wherein the text message comprises instructions to initiate a transaction.

20. The method of claim 19, further comprising encoding metadata into the text message that identifies the message as being sent from a mobile device associated with the account at the first financial institution.

21. A tangible computer-readable storage device comprising computer-executable instructions that, in response to execution, cause a system comprising a processor to perform operations, comprising:

gathering data from a text message that was sent to a mobile device from a financial institution, wherein the data relates to transactions associated with a financial institution account;

determining a financial trend based on an analysis of the data; and

generating an interactive presentation summarizing the financial trend, wherein the interactive presentation is organized based on a defined criterion.

22. The tangible computer-readable storage device of claim 21, wherein the operations further comprise:

creating a financial plan for a financial goal based on the financial trend.

23. The tangible computer-readable storage device of claim 21, wherein the operations further comprise:

rearranging the interactive presentation based on at least one of a date of the transactions, an amount of the transactions, or respective parties associated with the transactions.