Interactive account management system and method
First Claim
1. A computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders, the interactive account management system comprising:
- at least one processor and at least one storage medium adapted to implement the following components;
a financial networking engine implemented by a processor for defining a financial network for an account holder, the financial network comprising one or more financial accounts and two or more members including the account holder and at least one co-account holder, and for identifying the financial accounts and members of the financial network based on stored account information and/or user input, wherein at least two members of the financial network share access to at least one financial account in the financial network;
interactive processing components for processing information to provide interaction between the members of the financial network defined by the financial networking engine; and
user interface presentation tools for displaying interaction interfaces and facilitating participation from the financial network members as determined by the financial networking components, the user interface presentation tools accepting input from the financial network members and correspondingly displaying output as determined by the interactive processing components, whereby the user interface presentation tools present different user interfaces to the members of the financial network based on different roles of the respective members in the financial network.
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Accused Products
Abstract
Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.
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Citations
22 Claims
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1. A computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders, the interactive account management system comprising:
at least one processor and at least one storage medium adapted to implement the following components; a financial networking engine implemented by a processor for defining a financial network for an account holder, the financial network comprising one or more financial accounts and two or more members including the account holder and at least one co-account holder, and for identifying the financial accounts and members of the financial network based on stored account information and/or user input, wherein at least two members of the financial network share access to at least one financial account in the financial network; interactive processing components for processing information to provide interaction between the members of the financial network defined by the financial networking engine; and user interface presentation tools for displaying interaction interfaces and facilitating participation from the financial network members as determined by the financial networking components, the user interface presentation tools accepting input from the financial network members and correspondingly displaying output as determined by the interactive processing components, whereby the user interface presentation tools present different user interfaces to the members of the financial network based on different roles of the respective members in the financial network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer-implemented interactive account management method operated in cooperation with a financial institution on behalf of multiple account holders, the interactive account management method comprising:
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defining, on at least one storage medium, a financial network for an account holder, the financial network comprising one or more financial accounts and two or more members including the account holder and at least one co-account holder, and for identifying the financial accounts and members of the financial network based on stored account information and/or user input, wherein at least two members of the financial network share access to at least one financial account in the financial network; processing, by at least one processor, stored and input information with interactive processing components to provide interaction between the members of the defined financial network; displaying, via a display device, interaction interfaces, thereby inviting participation from the financial network members, wherein different user interfaces are presented to the members of the financial network based on different roles of the respective members in the financial network; and accepting, via an input device, input from the financial network members and correspondingly displaying output as determined by the interactive processing components. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21)
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22. A non-transitory computer-readable medium for an interactive account management system, the non-transitory computer-readable medium comprising instructions for causing at least one processor to perform the steps of:
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defining, on at least one storage medium, a financial network for an account holder, the financial network comprising one or more financial accounts and two or more members including the account holder and at least one co-account holder, and for identifying the financial accounts and members of the financial network based on stored account information and/or user input, wherein at least two members of the financial network share access to at least one financial account in the financial network; processing, by at least one processor, stored and input information with interactive processing components to provide interaction between the members of the defined financial network; displaying, via a display device, interaction interfaces, thereby inviting participation from the financial network members, wherein different user interfaces are presented to the members of the financial network based on different roles of the respective members in the financial network; and accepting, via an input device, input from the financial network members and correspondingly displaying output as determined by the interactive processing components.
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Specification