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Interactive account management system and method

  • US 8,321,310 B1
  • Filed: 03/26/2012
  • Issued: 11/27/2012
  • Est. Priority Date: 12/07/2007
  • Status: Active Grant
First Claim
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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.

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