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 computer storage medium storing data and instructions;
at least one computer processor accessing the stored data and instructions and executing the instructions to perform steps including;
providing the multiple account holders an account holder invitation interface for sending an invitation to other account holders to join an existing personal financial network;
sending an invitation from the multiple account holders to other account holders to join the existing personal financial network;
incorporating each account holder accepting the invitation into the existing personal financial network, thereby expanding the existing personal financial network for each account holder that sent the invitation, each personal financial network including at least two co-account holders of a financial account;
identifying each member of the personal financial network based on stored account information and account holder input;
processing information to provide collaborative interaction between the members of the personal financial network defined by the account holders using the account holder invitation interface; and
displaying collaborative interaction interfaces and inviting active participation from the financial network members, wherein the collaborative interaction interfaces include a collaborative review interface enabling each personal financial network member to highlight financial transactions for other personal financial network members to review and act upon;
accepting input from the personal financial network members and processing the input to correspondingly display output.
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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.
173 Citations
19 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:
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at least one computer storage medium storing data and instructions; at least one computer processor accessing the stored data and instructions and executing the instructions to perform steps including; providing the multiple account holders an account holder invitation interface for sending an invitation to other account holders to join an existing personal financial network; sending an invitation from the multiple account holders to other account holders to join the existing personal financial network; incorporating each account holder accepting the invitation into the existing personal financial network, thereby expanding the existing personal financial network for each account holder that sent the invitation, each personal financial network including at least two co-account holders of a financial account; identifying each member of the personal financial network based on stored account information and account holder input; processing information to provide collaborative interaction between the members of the personal financial network defined by the account holders using the account holder invitation interface; and displaying collaborative interaction interfaces and inviting active participation from the financial network members, wherein the collaborative interaction interfaces include a collaborative review interface enabling each personal financial network member to highlight financial transactions for other personal financial network members to review and act upon; accepting input from the personal financial network members and processing the input to correspondingly display output. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. 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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storing data and instructions in at least at least one computer storage medium; accessing the stored data and instructions and executing the instructions with at least one computer processor to perform steps including; providing the multiple account holders an account holder invitation interface for sending an invitation to other account holders to join an existing personal financial network; sending an invitation from the multiple account holders to other account holders to join the existing personal financial network; incorporating each account holder accepting the invitation into the existing personal financial network, thereby expanding the existing personal financial network for each account holder that sent the invitation, each personal financial network including at least two co-account holders of a financial account; identifying each member of the personal financial network based on stored account information and account holder input; processing information to provide collaborative interaction between the members of the personal financial network defined by the account holders using the account holder invitation interface; and displaying collaborative interaction interfaces and inviting active participation from the financial network members, wherein the collaborative interaction interfaces include a collaborative review interface enabling each personal financial network member to highlight financial transactions for other personal financial network members to review and act upon; accepting input from the personal financial network members and processing the input to correspondingly display output. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19)
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Specification