Interactive transaction center interface

• US 9,116,763 B2
• Filed: 03/02/2010
• Issued: 08/25/2015
• 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 Greene, Pandurangan, Senthil Kumar
• Primary Examiner(s): Nguyen, Kevin
• Application Number:
  US12/715,710
• Publication Number:
  US 20100257094A1
• Time in Patent Office: 2,002 Days
• Field of Search: 715/744, 715851-853, 715762-765, 715/754, 715/854
• US Class Current: 1/1
• 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 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• 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 67/564 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

A transaction module having a summary interface is provided as part of a software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network. The transaction module comprises, an interactive main interface accessible through the summary interface, the main interface for listing new transactions related to registered financial accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing transaction history, an interactive menu provided within the main interface for assigning categories to the listed transactions, an interactive save feature for saving category assignments to the listed transactions; a interactive bill-payment link provided within the main interface for linking the interface to a bill-payment module and an interactive transfer-funds link provided within the summary interface of the module for linking the summary face of the module to a secondary interface for transferring funds from one account to another. A user operating the main interface from a remote node having access to the data-packet-network may view all transactions according to option of category, account, and time period.

Claims

1. A method comprising the steps of:

(a) using a computerized appliance, gaining access to a first site on a data-packet network by a user, the site providing a portal enabling the user to view and categorize financial data associated with the user;

(b) using an interactive interface at the first site, accessing financial data at one or more second sites on the data-packet network, said second sites being third-party from the first site and storing the financial data associated with the user;

(c) specifying through the interactive interface a category of the financial data, said category specification selected from a list including at least asset and liability and a time frame;

(d) retrieving the financial data from the one or more second sites according to the category and time frame specified by the first site automatically navigating to and accessing the financial data from the second sites on behalf of the user; and

(e) summarizing and displaying, at the computerized appliance, the financial data retrieved through the interactive interface.

2. The method of claim 1, wherein the data-packet-network is the Internet network.

3. The method of claim 2 wherein in step (b), the interactive interface is a hyper-text-markup-language interface served by a portal server connected to the network.

4. The method of claim 1 wherein in step (a), the computerized appliance is a personal computer with connection to the network.

5. The method of claim 1 wherein in step (a), the computerized appliance is a cellular telephone with connection to the network.

6. The method of claim 1 wherein in step (a), the computerized appliance is a hand-held computer with accessibility to the network.

7. The method of claim 1 wherein in step (b), the category of the financial data includes one of salary, bonus, interest income, food and beverage, utility payments, home, auto, charitable contribution, or entertainment.

8. The method of claim 1 wherein in step (d), an option is provided for presenting the data in a graphic format.

9. The method of claim 1 wherein a step is provided linking the interactive interface to an interactive bill paying module.

10. The method of claim 9 wherein a further step is provided for linking the interactive interface to an interactive transfer-funds interface for transferring funds between financial accounts.