System and Method for an Integrated Financial Management Tool
First Claim
1. A computer-implemented method for integrated financial account management by an insurance provider, comprising:
- causing, by one or more processors, a visual interface to be displayed on a user device, the interface enabling a customer to update a customer profile, wherein the customer profile includes information about a plurality of financial accounts corresponding to the customer, and wherein the plurality of financial accounts are added to the customer profile by the customer;
receiving, from the user device via a computer network, a first request for a customer profile update interaction from a customer;
in response to the first request for the customer profile update interaction, updating a customer profile, wherein the updating of the customer profile includes at least one of;
modifying, by the one or more processors, at least some of the information about the plurality of financial accounts, ordeleting, by the one or more processors, at least some of the information about the plurality of financial accounts;
transmitting, to the user device via the computer network, at least some of the updated customer profile to the customer;
storing, by the one or more processors, a plurality of sets of customer-defined rules, each one of the plurality of sets of customer-defined rules corresponding to one of the plurality of financial accounts, wherein each of the plurality of sets of customer-defined rules is used to manage payments from and disbursements to the corresponding one of the plurality of financial accounts,wherein the customer-defined rules are created or modified by the customer;
receiving, from the customer via the computer network, a second request for a financial account interaction indicating a purchase of products or services;
in response to the request for a financial account interaction and in accordance with the at least one of the plurality of sets of customer-defined rules, determining, by the one or more processors, one of the plurality of financial accounts to be used for the purchase of the products or services; and
upon completion of the purchase of the products or services, causing an account balance corresponding to the one of the plurality of financial accounts to be displayed on the visual interface.
1 Assignment
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Accused Products
Abstract
A system and method for integrating and facilitating customer experience provides a user a one-stop location for acquisition of products and services, servicing of products and services, transaction processing, and internal and external financial account management. Once a user registers an individual customer during an activation session, which may include entry of that customer'"'"'s internal or external account information, the system manages multiple accounts for the customer in accordance with system and user defined rules providing a means to acquire and service products and services, as well as to receive disbursements to external accounts from the system. The system also includes a rules system which scans and resolves any conflicts created among system rules.
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Citations
24 Claims
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1. A computer-implemented method for integrated financial account management by an insurance provider, comprising:
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causing, by one or more processors, a visual interface to be displayed on a user device, the interface enabling a customer to update a customer profile, wherein the customer profile includes information about a plurality of financial accounts corresponding to the customer, and wherein the plurality of financial accounts are added to the customer profile by the customer; receiving, from the user device via a computer network, a first request for a customer profile update interaction from a customer; in response to the first request for the customer profile update interaction, updating a customer profile, wherein the updating of the customer profile includes at least one of; modifying, by the one or more processors, at least some of the information about the plurality of financial accounts, or deleting, by the one or more processors, at least some of the information about the plurality of financial accounts; transmitting, to the user device via the computer network, at least some of the updated customer profile to the customer; storing, by the one or more processors, a plurality of sets of customer-defined rules, each one of the plurality of sets of customer-defined rules corresponding to one of the plurality of financial accounts, wherein each of the plurality of sets of customer-defined rules is used to manage payments from and disbursements to the corresponding one of the plurality of financial accounts, wherein the customer-defined rules are created or modified by the customer; receiving, from the customer via the computer network, a second request for a financial account interaction indicating a purchase of products or services; in response to the request for a financial account interaction and in accordance with the at least one of the plurality of sets of customer-defined rules, determining, by the one or more processors, one of the plurality of financial accounts to be used for the purchase of the products or services; and upon completion of the purchase of the products or services, causing an account balance corresponding to the one of the plurality of financial accounts to be displayed on the visual interface. - View Dependent Claims (2, 3, 4, 5, 6, 8, 10, 11, 12, 13, 20, 21, 22, 23, 24)
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7. (canceled)
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9. (canceled)
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14. A system for integrating and facilitating customer experience, comprising:
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a memory; and one or more processors disposed in communication with said memory, wherein, when executed by the one or more processors, a plurality of computer-executable instructions stored in the memory cause the one or more processors to; cause a visual interface to be displayed on a user device, the interface the interface enabling a customer to update a customer profile, wherein the customer profile includes information about a plurality of financial accounts corresponding to the customer, and wherein the plurality of financial accounts are added to the customer profile by the customer; receive, via a computer network, a first request for a customer profile update interaction from a customer; in response to the first request for the customer profile update interaction, update a customer profile, wherein the updating of the customer profile includes at least one of; modifying at least some of the information about the plurality of financial accounts, or deleting at least some of the information about the plurality of financial accounts; transmit, via the computer network, at least some of the updated customer profile to the customer; store a plurality of sets of customer-defined rules, each of the plurality of sets of customer-defined rules corresponding to one of the plurality of financial accounts, wherein each of the plurality of sets of customer-defined rules is used to manage payments from and disbursements to the corresponding one of the plurality of financial accounts, wherein the customer-defined rules are created or modified by the customer; receive, from the customer via the computer network, a second request for a financial account interaction indicating a purchase of products or services; in response to the request for a financial account interaction and in accordance with at least one of the plurality of sets of customer-defined rules, determine one of the plurality of financial accounts to be used for the purchase of the products or services; and upon completion of the purchase of the products or services, cause an account balance corresponding to the one of the plurality of financial accounts to be displayed on the interface. - View Dependent Claims (15, 17)
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16. (canceled)
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18. A non-transitory computer-readable storage medium storing processor-executable instructions to:
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cause a visual interface to be displayed on a user device, the interface the interface enabling a customer to update a customer profile, wherein the customer profile includes information about a plurality of financial accounts corresponding to the customer, and wherein the plurality of financial accounts are added to the customer profile by the customer; receive, via a computer network, a first request for a customer profile update interaction from a customer; in response to the first request for the customer profile update interaction, update a customer profile, wherein the updating of the customer profile includes at least one of; modifying-at least some of the information about the plurality of financial accounts, or deleting at least some of the information about the plurality of financial accounts; transmit, via the computer network, at least some of the updated customer profile to the customer; store a plurality of sets of customer-defined rules, each of the plurality of sets of customer-defined rules corresponding to one of the plurality of financial accounts, wherein the plurality of sets of customer-defined rules are used to manage payments from and disbursements to each of the plurality of financial accounts, wherein the customer-defined rules are created or modified by the customer; receive, from the customer via the computer network, a second request for a financial account interaction indicating a purchase of products or services; in response to the request for a financial account interaction and in accordance with the at least one of the plurality of sets of customer-defined rules, determine one of the plurality of financial accounts to be used for the purchase of the products or services; and upon completion of the purchase of the products or services, cause an account balance corresponding to the one of the plurality of financial accounts to be displayed on the interface.
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19. (canceled)
Specification