SYSTEM AND METHOD FOR ESTABLISHING AN ONLINE FINANCIAL INCENTIVE PROGRAM FOR FISCALLY RESPONSIBLE BEHAVIOR
First Claim
1. A computer-implemented method for establishing an online financial incentive program for fiscally responsible behavior, the method comprising:
- receiving, by a sewer computer, first account information from a first user through a first user interface operating on a first client computing device, the first account information identifying one or more financial accounts of the first user authorized by the first user to be monitored by a second user, a level of access set by the first user to control access of the second user to financial activity information of the one or more financial accounts of the first user authorized by the first user to be monitored by the second user, and one or more target financial accounts of the first user authorized by the first user to receive funds from the second user;
receiving, by the server computer, second account information from the second user through a second user interface operating on a second client computing device, the second account information identifying a source financial account of the second user, at least one of the monitored accounts of the first user selected to be monitored, and at least one of the target financial accounts of the first user selected to receive funds from the source financial account of the second user if a reward criteria is met;
receiving, by the server computer, the reward criteria from the second user through the second user interface, the reward criteria being a desired set of financial events defined by the second user based on the financial activity information accessible to the second user from the selected monitored account of the first user and a corresponding contribution that is applied to the selected target account of the first user from the source financial account of the second usertracking, by the server computer, the financial activity information accessible to the second user from the selected monitored account of the first user;
directing, by the server computer, funds from the source financial account of the second user to the selected target account of the first user as defined by the corresponding contribution of the reward criteria when the tracked financial activity information corresponds to the desired financial event.
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Accused Products
Abstract
Implementations are described for establishing an online financial incentive program that involve receiving first account information from a first user identifying financial account(s) authorized for monitoring and target financial account(s) authorized to receive funds from third party funding sources; receiving second account information from a second user identifying a source financial account to serve as one of the third party funding sources, at least one of the monitored accounts, and at least one of the target financial accounts; receiving reward criteria from the second user that defines a financial event associated with the selected monitored account and a corresponding contribution that is applied to the selected target account from the source financial account; tracking financial activity information from the selected monitored account; and directing funds from the source account to the selected target account when the tracked activity information corresponds to the financial event.
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Citations
22 Claims
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1. A computer-implemented method for establishing an online financial incentive program for fiscally responsible behavior, the method comprising:
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receiving, by a sewer computer, first account information from a first user through a first user interface operating on a first client computing device, the first account information identifying one or more financial accounts of the first user authorized by the first user to be monitored by a second user, a level of access set by the first user to control access of the second user to financial activity information of the one or more financial accounts of the first user authorized by the first user to be monitored by the second user, and one or more target financial accounts of the first user authorized by the first user to receive funds from the second user; receiving, by the server computer, second account information from the second user through a second user interface operating on a second client computing device, the second account information identifying a source financial account of the second user, at least one of the monitored accounts of the first user selected to be monitored, and at least one of the target financial accounts of the first user selected to receive funds from the source financial account of the second user if a reward criteria is met; receiving, by the server computer, the reward criteria from the second user through the second user interface, the reward criteria being a desired set of financial events defined by the second user based on the financial activity information accessible to the second user from the selected monitored account of the first user and a corresponding contribution that is applied to the selected target account of the first user from the source financial account of the second user tracking, by the server computer, the financial activity information accessible to the second user from the selected monitored account of the first user; directing, by the server computer, funds from the source financial account of the second user to the selected target account of the first user as defined by the corresponding contribution of the reward criteria when the tracked financial activity information corresponds to the desired financial event. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 20)
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12. A computer program product, tangibly embodied in a non-transitory, machine-readable storage device, for establishing an online financial incentive program for fiscally responsible behavior, the computer program product including instructions being operable to cause a data processing apparatus to:
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receive first account information from a first user through a first user interface operating on a first client computing device, the first account information identifying one or more financial accounts of the first user authorized by the first user to be monitored by a second user, a level of access set by the first user to control access of the second user to financial activity information of the one or more financial accounts of the first user authorized by the first user to be monitored by the second user, one or more target financial accounts of the first user authorized by the first user to receive funds from the second user; receive second account information from the second user through a second user interface operating on a second client computing device, the second account information identifying a source financial account of the second user, at least one of the monitored accounts of the first user selected to be monitored, and at least one of the target financial accounts of the first user selected to receive funds from the source financial account of the second user if a reward criteria is met; receive the reward criteria from the second user through the second user interface, the reward criteria being a desired set of financial events defined by the second user based on the financial activity information accessible to the second user from the selected monitored account of the first user and a corresponding contribution that is applied to the selected target account of the first user from the source financial account of the second user; track the financial activity information accessible to the second user from the selected monitored account of the first user; direct funds from the source financial account of the second user to the selected target account of the first user as defined by the corresponding contribution of the reward criteria when the tracked financial activity information corresponds to the desired financial event. - View Dependent Claims (14, 15, 16, 21)
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13. A computerized server apparatus for establishing an online financial incentive program for fiscally responsible behavior, comprising:
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a processor configured to receive first account information from a first user through a first user interface operating on a first client computing device, the first account information identifying one or more financial accounts of the first user authorized by the first user to be monitored by a second user, a level of access set by the first user to control access of the second user to financial activity information of the one or more financial accounts of the first user authorized by the first user to be monitored by the second user, and one or more target financial accounts of the first user authorized by the first user to receive funds from the second user; the processor further configured to receive second account information from the second user through a second user interface operating on a second client computing device, the second account information identifying a source financial account of the second user, at least one of the monitored accounts of the first user selected to be monitored, and at least one of the target financial accounts of the first user selected to receive funds from the source financial account of the second user if a reward criteria is met; the processor further configured to receive the reward criteria from the second user through the second user interface the reward criteria being a desired set of financial events defined by the second user based on the financial activity information accessible to the second user from the selected monitored account of the first user and a corresponding contribution that is applied to the selected target account of the first user from the source financial account of the second user; the processor further configured to track the financial activity information accessible to the second user from the selected monitored account of the first user; the processor further configured to direct funds from the source financial account of the second user to the selected target account of the first user as defined by the corresponding contribution of the reward criteria when the tracked financial activity information corresponds to the desired financial event. - View Dependent Claims (17, 18, 19, 22)
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Specification