Portfolio synchronizing between different interfaces

• US 8,145,554 B2
• Filed: 07/22/2011
• Issued: 03/27/2012
• 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, Desai, Satyen, Kelley, John, Hayward, Blake Earl, Scott, Jennifer Green, Pandurangan, Senthil Kumar
• Primary Examiner(s): Havan, Thu Thao
• Application Number:
  US13/188,796
• Publication Number:
  US 20110282782A1
• Time in Patent Office: 249 Days
• Field of Search: 705 36 R- 38
• US Class Current: 705/36.R
• 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: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• 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 67/567 Integrating service provisioning from a plurality of service providers

Abstract

An account coordination system includes an Internet-connected server executing software from a non-transitory, machine-readable medium. The software provides direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account, direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises, and tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts. The server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.

Claims

1. An account coordination system, comprising:

an Internet-connected server executing software from a non-transitory, machine-readable medium, the software providing;

direct linking between the server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account;

direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises; and

tracking functionality whereby the server tracks activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts;

wherein the server propagates any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.

2. The system of claim 1 wherein activity by the user comprises opening or closing an account.

3. The system of claim 1 wherein activity by the user comprises depositing or withdrawing funds to or from an account.

4. The system of claim 1 wherein activity by the user comprises paying a bill.

5. The system of claim 1 wherein activity by the user comprises arranging payment terms for an obligation.

6. A method for account coordination, comprising the steps of:

(a) direct linking between a server and two or more financial enterprises hosting each at least one financial account for a specific user and having an interactive interface through which the user may interact with his/her account;

(b) direct linking between the server and one or more third-party enterprises providing interactive interfaces through which the user may access and interact with one or more of the financial accounts at the financial enterprises;

(c) tracking activity by the user at any of the interactive interfaces through which the user may interact with one of the financial accounts; and

(d) propagating any change made in an account by the user at any one of the interactive interfaces to the sites hosting the other interactive interfaces.

7. The method of claim 6 wherein activity by the user comprises opening or closing an account.

8. The method of claim 6 wherein activity by the user comprises depositing or withdrawing funds to or from an account.

9. The method of claim 6 wherein activity by the user comprises paying a bill.

10. The method of claim 6 wherein activity by the user comprises arranging payment terms for an obligation.