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System and Method for an Integrated Financial Management Tool

  • US 20150081496A1
  • Filed: 09/19/2013
  • Published: 03/19/2015
  • Est. Priority Date: 09/19/2013
  • Status: Abandoned Application
First Claim
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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.

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