Interactive funds transfer interface

• US 8,224,747 B2
• Filed: 04/19/2010
• Issued: 07/17/2012
• 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, Inala, Suman Kumar, Hayward, Blake Earl, Desai, Satyen, Scott, Jennifer
• Primary Examiner(s): Felten, Daniel
• Application Number:
  US12/762,907
• Publication Number:
  US 20100205065A1
• Time in Patent Office: 820 Days
• Field of Search: 705/42, 705/43, 705/44, 705/26.41, 707/622, 707/661, 707/640
• US Class Current: 705/39
• 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 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 30/0613 Third-party assisted
• 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

In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.

Claims

1. A transaction server storing and executing software from memory providing a method for third-party fund transfer, comprising steps of:

(a) providing, by the server, a single interactive interface to a client connected to the Internet;

(b) receiving via the interface a single order from the client for a fund transfer, the order including identification of a first account owned by the client at a first institution from which to withdraw funds, an identification of a second account owned by the client at a second institution into which to deposit the withdrawn funds, a date to transfer the funds, and an amount of the funds to withdraw and deposit;

(c) automatically navigating to third-party disparate Web sites of the first and second financial institutions located on the Internet via the software, each Web site providing access to the client to transact with the financial accounts;

(d) logging into the accounts by the software on behalf of the client with an account name and password previously provided by the client and stored at the server, withdrawing the indicated amount from the account at the first institution, and depositing the amount to the account at the second institution.

2. The method of claim 1 wherein in step (a), the interactive interface is a hyper-text-markup-language (HTML) interface.

3. The method of claim 1 wherein in step (b), the amount is input by selecting from a list of available amounts.

4. The method of claim 1 wherein the interactive interface is provided to an Internet-connected, computerized appliance operated by the client.