Multiple trust modes for handling data
First Claim
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1. A method comprising:
- identifying multiple financial accounts associated with a user, wherein the multiple financial accounts are with a plurality of financial institutions;
presenting the user with a plurality of trust modes, each of which can be associated with one or more of the plurality of financial institutions, wherein each mode directs a server remote from the plurality of financial institutions to handle user data in a particular manner, and wherein the user data comprises user login data used to access accounts online at one of the plurality of financial institutions;
receiving a selection of a trust mode from the user for each of the multiple financial institutions;
associating a selected mode with each of the multiple financial institutions;
storing,financial institution data for each of the plurality of financial institutions, comprising data which may be used to locate and communicate with the plurality of financial institutions;
data identifying the multiple financial accounts; and
the associated modes; and
handling the user data associated with each of the plurality of financial institutions in accordance with an associated trust mode each time one of the multiple financial accounts is accessed, wherein accessing one of the multiple financial accounts comprises a financial analysis system accessing the account on behalf of the user.
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Abstract
A user is presented with multiple modes of operation, such that the multiple modes of operation define different trust options for handling data (such as login credentials or other sensitive data) associated with the user. A selection of one of the multiple modes of operation is received from the user. Data associated with the user is handled in accordance with the selected mode of operation.
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Citations
9 Claims
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1. A method comprising:
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identifying multiple financial accounts associated with a user, wherein the multiple financial accounts are with a plurality of financial institutions; presenting the user with a plurality of trust modes, each of which can be associated with one or more of the plurality of financial institutions, wherein each mode directs a server remote from the plurality of financial institutions to handle user data in a particular manner, and wherein the user data comprises user login data used to access accounts online at one of the plurality of financial institutions; receiving a selection of a trust mode from the user for each of the multiple financial institutions; associating a selected mode with each of the multiple financial institutions; storing, financial institution data for each of the plurality of financial institutions, comprising data which may be used to locate and communicate with the plurality of financial institutions; data identifying the multiple financial accounts; and the associated modes; and handling the user data associated with each of the plurality of financial institutions in accordance with an associated trust mode each time one of the multiple financial accounts is accessed, wherein accessing one of the multiple financial accounts comprises a financial analysis system accessing the account on behalf of the user. - View Dependent Claims (2, 3, 4, 5)
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6. A method for analyzing financial data, the method comprising:
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a processor-based financial analysis system receiving a user request to monitor a plurality of user accounts; the system receiving account access information from the user regarding each of the user accounts via a network, wherein the account access information comprises user authentication data; the system receiving a selection of one of a plurality of trust modes from the user for each of the plurality of accounts, wherein each trust mode directs the financial analysis system to handle the user authentication data in a specified manner; and the system automatically monitoring the plurality of user accounts via the network, comprising, accessing the user accounts using the received account access information; and retrieving current account information regarding the user accounts. - View Dependent Claims (7, 8, 9)
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Specification