Collaborative Financial Management

• US 20150073959A1
• Filed: 09/09/2014
• Published: 03/12/2015
• Est. Priority Date: 09/09/2013
• Status: Abandoned Application

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Inventors: Connors, Eric, Buraschi, Jose Antonio, Gibson, Katy, Nagaraj, Vinay
• Application Number:
  US14/481,833
• Publication Number:
  US 20150073959A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for collaborative financial management, including instructions to display in a first region of a display of the device a name of a currently selected financial collaboration group out of multiple financial collaboration groups to which a user of the device is a member. Instructions to receive data representing events associated with the currently selected financial collaboration group, each event of the being one of a multiple of types. Instructions to display in a second region of the display of the device an ordered list of the events, wherein each item in the ordered list includes a visual indicia of an event type for the event corresponding to the item. Instructions to select a different financial collaboration group in response to a touch input in the first region of the display of the device.

Claims

1. A computer program product, comprising instructions encoded in a non-transitory computer readable medium to cause a processor of a device to:

display in a first region of a display of the device a name of a currently selected financial collaboration group out of a plurality of financial collaboration groups to which a user of the device is a member;

receive data representing a plurality of events associated with the currently selected financial collaboration group, each event of the plurality of events being one of a plurality of types;

simultaneously with the display of the name of the currently selected financial collaboration group in the first region of the display of the device, display in a second region of the display of the device an ordered list of the plurality of events, wherein each item in the ordered list includes a visual indicia of an event type for the event corresponding to the item; and

select a different financial collaboration group of the plurality of financial collaboration groups in response to a touch input in the first region of the display of the device.

2. The computer program product of claim 1, wherein the ordered list is ordered by time of the event.

3. The computer program product of claim 1, comprising instructions to, simultaneously with the display of the ordered list in the second region, display in a third region of the device display a user selectable option to create an event associated with the currently selected financial collaboration group.

4. The computer program product of claim 2, wherein the user selectable option to create the event comprises a drop-down menu including options to add a transaction and to add a comment to the plurality of events.

5. The computer program product of claim 1, wherein the plurality of event types comprise a transaction type, the transaction type indicating a financial transaction shared with the financial collaboration group by a member of the financial collaboration group.

6. The computer program product of claim 5, comprising instructions to display, within an item of the transaction type, a user-selectable option to add a comment to the event.

7. The computer program product of claim 5, wherein the plurality of event types comprise a reimbursement request type, the reimbursement request type indicating a financial transaction to be reimbursed by the user of the device.

8. The computer program product of claim 5, comprising instructions to display, within an item of the reimbursement request type, a user-selectable option to add a comment to the event.

9. The computer program product of claim 5, comprising instructions to display, within an item of the reimbursement request type, a user-selectable option to settle up the transaction.

10. The computer program product of claim 5, wherein the plurality of event types comprise an invitation vote type, the invitation vote type indicating an invitation to a new user to join the financial collaboration group.

11. A method comprising:

receiving, at a server system from a plurality of users of a respective plurality of user devices, data indicating that the users consent to join a financial collaboration group;

identifying, in the server system, financial information associated with one or more financial accounts of a first user of the plurality of users;

receiving, at the server system from a first user device of the first user, information identifying financial information to be shared by the first user; and

providing, by the server system, for presentation on each user device of the plurality of user devices other than the first user device, respective information identifying the shared financial information.

12. The method of claim 11, wherein receiving data indicating that the users consent to join a financial collaboration group comprises:

receiving, from a second user, a request to create a financial collaboration group, the request specifying the plurality of users; and

receiving, from each of the plurality of users, data indicating consent to join the financial collaboration group.

13. The method of claim 11, wherein the shared financial information comprises a financial account, and wherein providing respective information to each user device other than the first user device comprises:

providing, for presentation on the user device, respective information identifying a plurality of financial transactions included in the shared financial account.

14. The method of claim 13, wherein each user device receives the plurality of financial transactions.

15. The method of claim 11, further comprising:

providing respective information for presentation on a user device in response to receiving a request from the user device.

16. The method of claim 11, wherein the shared financial information comprises a particular financial transaction, and wherein providing respective information to each user device different from the first user device comprises:

providing, for presentation on the user device, a respective request for reimbursement of the particular financial transaction.

17. The method of claim 16, further comprising:

receiving, from a second user, information identifying that the second user is to transfer money to the first user.

18. The method of claim 17, further comprising:

obtaining information identifying an account number and a routing number of a financial account of the second user;

obtaining information identifying an account number and a routing number of a financial account of the first user; and

transferring money from the second user to the first user.

19. The method of claim 16, further comprising:

receiving, from a second user, a comment comprising text entered by the second user; and

providing, for presentation on each user device of the plurality of user devices, the comment.

20. The method of claim 16, wherein the respective request for reimbursement includes a respective amount of money owed by the user of the user device to the first user.

21. The method of claim 16, further comprising:

receiving a request, from the first user, to create a request for reimbursement;

providing, for presentation on the first user device, information identifying a plurality of financial transactions included in the financial information of the first user; and

receiving, from the first user, a selection of the particular financial transaction.

22. The method of claim 21, further comprising:

providing, for presentation on the first user device, information identifying one or more financial accounts of the first user;

receiving, from the first user, a selection of a particular financial account; and

providing, for presentation on the first user device, the plurality of financial transactions, wherein the plurality of financial transactions are included in the particular financial account.

23. The method of claim 11, further comprising:

receiving, from the first user, a request to create a shared budget with a second user of the plurality of users, the request specifying a budget name, one or more categories of financial transactions to be included in the shared budget, a budget timeframe, and a threshold budget amount;

identifying financial information associated with one or more financial accounts of the second user;

generating, based on the request, a shared budget for the one or more categories of financial transactions; and

providing, for presentation on the first user device and a second user device of the second user, information identifying a status of the shared budget, wherein the status includes an amount of budget remaining in the shared budget for the budget timeframe.

24. The method of claim 23, further comprising:

identifying, from respective financial transactions included in the first user'"'"'s financial accounts and the second user'"'"'s financial accounts, one or more financial transactions that are categorized as the one or more categories of financial transactions to be included in the shared budget;

determining a total amount for the one or more identified financial transactions;

computing an updated amount of budget by subtracting the total amount from the amount of budget remaining; and

providing, for presentation on the first user device and the second user device, information identifying the updated amount of budget remaining in the shared budget for the budget timeframe.

25. The method of claim 24, further comprising:

determining that the total amount exceeds the threshold budget amount; and

providing, for presentation on the first user device and second user device, respective alerts indicating that the shared budget has been exceeded.

26. The method of claim 23, further comprising:

identifying, from respective financial transactions included in the first user'"'"'s financial accounts and the second user'"'"'s financial accounts, one or more financial transactions that are categorized as the one or more categories of financial transactions to be included in the shared budget;

determining a utilization of the shared budget with respect to the budget timeframe; and

providing, for presentation on the first user device and second user device, information identifying the utilization of the shared budget.

27. The method of claim 11, further comprising:

receiving, from the first user, a request to create a shared goal with a second user of a second user device, the request identifying information comprising;

a shared goal name, a first amount to be contributed to the shared goal, a first time interval for how often the first amount should be contributed to the shared goal, and a particular financial account for depositing funds for the shared goal;

receiving, from the second user, a second amount to be contributed to the shared goal and a second time interval for how often the second amount should be contributed to the shared goal; and

providing, for presentation on the first user device and the second user device, information identifying the shared goal, wherein the information identifies the particular financial account and an amount of funds that have been deposited in the particular financial account.

28. The method of claim 27, further comprising:

determining that the first time interval for how often the first amount should be contributed to the shared goal has been satisfied; and

transferring, from a financial account of the first user, the first amount to the particular financial account.

29. The method of claim 28, wherein the first time interval is a one-time transfer, a daily transfer, a weekly transfer, a monthly transfer, or a yearly transfer.

30. The method of claim 27, further comprising:

determining that the second time interval for how often the second amount should be contributed to the shared goal has been satisfied; and

transferring, from a financial account of the second user, the second amount to the particular financial account.

31. A computer-implemented method comprising:

providing an interface to a first user of a user device, wherein the interface comprises;

a plurality of user representations associated with a respective plurality of users, wherein the plurality of users are included in a same financial collaboration group with the first user and one or more financial accounts of the first user are shared with the plurality of users,

a plurality of context options, wherein each context option is associated with respective information about the financial collaboration group,

a chat interface to display text from one or more users of the plurality of users, and

a display area including information associated with one or more context options;

receiving a selection of one or more context options;

updating the interface with information associated with the selected context options; and

providing the updated interface to the first user.

32. The method of claim 31, further comprising:

receiving a selection of a user representation; and

updating the interface with information associated with the selected context options related to the user associated with the selected user representation.

33. The method of claim 31, wherein the plurality of user representations includes a user representation associated with the first user and a user representation associated with all users included in the financial collaboration group.

34. The method of claim 31, wherein each user representation of the plurality of user representations is an image of the associated user.

35. The method of claim 32, wherein information associated with the selected context options related to the user of the selected user representation is information shared by the user associated with the selected user representation.

36. The method of claim 32, wherein the context options comprise reminders, specific transactions of the financial collaboration group, budgets, bills, documents related to the financial collaboration group, images, receipts.

37. The method of claim 32, further comprising:

receiving an input representing the user swiping in a first direction;

determining an option list to provide to the user based at least on the selected context options, wherein each option of the option list is associated with an action performed by the user device; and

providing the list of options to the user.

38. The method of claim 37, wherein one of the selected context options is specific transactions of the financial collaboration group and the option list comprises submitting a request for reimbursement, telephoning a user, telephoning the creditor of the transaction.

39. The method of claim 37, wherein one of the selected context options is reminders and the option list comprises removing the reminder.

40. The method of claim of claim 32, further comprising:

receiving an input representing the user swiping in a second direction;

determining an option list to provide to the user based at least on the selected context options, wherein each option of the option list is associated with an action performed by the user device; and

providing the list of options to the user;

41. The method claim 31, further comprising:

receiving, from a second user of the plurality of users, data describing one or more of the second user'"'"'s financial accounts.

42. The method of claim 41, wherein the first user is included in a relationship category with the plurality of users that identifies one or more operations that can be performed by each user on the first and second user'"'"'s financial accounts.

43. A computer-implemented method comprising:

identifying, on a user device, a second user to be included in a financial collaboration group with a first user of the user device, wherein one or more of the first user'"'"'s financial accounts are shared with the second user;

receiving, at the user device, a selection of a relationship category from a plurality of relationship categories, wherein each relationship category identifies one or more operations that can be performed by the second user on the first user'"'"'s financial accounts; and

receiving, at the user device, an indication that second user has consented to be included in the financial collaboration group.

44. The method of claim 43, further comprising:

obtaining, from the user device, a contact list of the first user, wherein the contact list comprises data identifying a plurality of contacts;

identifying the contact from the contact list;

determining a relationship category from the data identifying the contact; and

providing the determined relationship category to the first user of the user device.

45. The method of claim 44, further comprising:

obtaining data from a social network identifying the second user as a social network contact of the first user;

determining a relationship category from the data identifying the contact; and

providing the determined relationship category to the first user of the user device.

46. The method of claim 44, further comprising:

providing the plurality of relationship categories to the user.