Interactive transaction center interface

• US 7,685,525 B2
• Filed: 07/14/2004
• Issued: 03/23/2010
• Est. Priority Date: 12/08/1998
• Status: Expired due to Fees

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Yodlee.com, Inc. (Envestnet Incorporated)
• Inventors: Kumar, Srihari, Kelley, John, Desai, Satyen, Pandurangan, Senthil Kumar, Hayward, Blake Earl, Scott, Jennifer Greene
• Primary Examiner(s): Nguyen; Cao (Kevin)
• Application Number:
  US10/892,078
• Publication Number:
  US 20040254881A1
• Time in Patent Office: 2,078 Days
• Field of Search: 715/744, 715/762, 715/765, 715851-853, 715/743, 715/754, 715/854, 705/40, 705/42, 707/101, 707/102
• US Class Current: 715/744
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/957 Browsing optimisation, e.g. caching or content distillation
• CPC Class Codes: G06F 16/958 Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
• CPC Class Codes: G06F 21/41 where a single sign-on provides access to a plurality of computers
• CPC Class Codes: G06F 2221/2119 Authenticating web pages, e.g. with suspicious links
• CPC Class Codes: G06F 9/547 Remote procedure calls [RPC]; Web services
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/56 Provisioning of proxy services store-and-forward switching systems in data switching networks H04L12/54
• CPC Class Codes: H04L 67/564 Enhancement of application control based on intercepted application data
• CPC Class Codes: H04L 67/567 Integrating service provisioning from a plurality of service providers

Abstract

A transaction module having a summary interface is provided as part of a software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network. The transaction module comprises, an interactive main interface accessible through the summary interface, the main interface for listing new transactions related to registered financial accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing transaction history, an interactive menu provided within the main interface for assigning categories to the listed transactions, an interactive save feature for saving category assignments to the listed transactions; a interactive bill-payment link provided within the main interface for linking the interface to a bill-payment module and an interactive transfer-funds link provided within the summary interface of the module for linking the summary face of the module to a secondary interface for transferring funds from one account to another. A user operating the main interface from a remote node having access to the data-packet-network may view all transactions according to option of category, account, and time period.

Claims

1. A method for ordering and viewing transaction data presented in an interactive transaction-viewing interface executing from a computer node connected to and accessible through a data-packet-network comprising the steps of:

(a) accessing the interactive transaction-viewing interface at a first server node by a user from a remote node connected to the network for viewing and manipulating new and historical transaction listings related to registered financial accounts;

(b) assigning, by the user, categorical criteria to at least one of the new transactions from a plurality of available categorical criteria from one or more interactive menus accessible through the interface, the categorical criteria including at least an income or expense type;

(c) submitting and saving the transactions having the associated categorical criteria, the criteria used to calculate and render the transaction data;

(d) viewing the resulting display of all transaction data according to option of the assigned categorical criteria including an account, and time period; and

(e) linking the interactive transaction-viewing interface to an interactive bill paying module.

2. The method of claim 1, wherein the data-packet-network is the Internet network.

3. The method of claim 2 wherein in step (a), the interactive transaction-viewing interface is a personalized hyper-text-markup-language interface served by a portal server connected to the network.

4. The method of claim 3 wherein in step (a), the remote node is a personal computer with accessibility to the network.

5. The method of claim 2 wherein in step (a), the remote node is a cellular telephone with accessibility to the network.

6. The method of claim 2 wherein in step (a), the remote node is a hand-held computer with accessibility to the network.

7. The method of claim 2 wherein in step (b), the income or expense type includes at least salary, bonuses, interest income, food and beverage, utilities, home, auto, charitable contribution, and entertainment.

8. The method of claim 7 wherein in step (b), an additional option is presented for ordering a graphic chart according to the selected criteria.

9. The method of claim 1 wherein a step (f) is provided for linking the interactive transaction-viewing interface to an interactive transfer-funds interface for transferring funds between the user'"'"'s financial accounts.