Simultaneous real-time presentation of financial information
First Claim
1. A system for providing access to substantially real-time financial information of account holders in a computerized system, the substantially real-time financial information describing a first account of a first account holder being stored on a first record keeping system, a second account of the first account holder being stored on a second record keeping system, a third account of a second account holder being stored on a second record keeping system, and a fourth account of the second account holder being stored on a fourth record keeping system, the first record keeping system being different from the second record keeping system and the third record keeping system being different from the fourth record keeping system, the first account holder being different from the second account holder, the system comprising:
- a server operative to receive, from a user, identification of a selected account holder, the selected account holder identification being indicative of at least one of the first account holder, the second account holder, or a combination thereof;
the server being further operative to determine the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, which store the first account, the second account, the third account, the fourth account, or a combination thereof, associated with the selected account holder identification; and
wherein the server further comprises a communications module operative to transmit requests to each of the determined the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, substantially simultaneously, the requests requesting therefrom, information associated with at least the stored one of the first account, the second account, the third account, the fourth account, or a combination thereof, of at least one of the first account holder, the second account holder, or a combination thereof, indicated by the selected account holder identification; and
wherein the communications module is further operative to receive responses to the requests from the determined the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, the responses including substantially real-time financial information associated with the at least the stored one of the first account, the second account, the third account, the fourth account, or a combination thereof, of at least one of the first account holder, the second account holder, or a combination thereof, indicated by the selected account holder identification.
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Accused Products
Abstract
The present invention is defined by the following claims, and nothing in this section should be taken as a limitation on those claims. By way of introduction, the preferred embodiments describe below include a method of simultaneously presenting user specific real-time financial information includes authenticating a user, for example by using a user-id and password. Then receiving an input from the user indicating the shareholder of interest. The user is then presented with a list of the shareholder'"'"'s account information. The shareholder account information can be retrieved from several different record keeping systems. The record keeping systems can be maintained by different entities and can store the respective account information in different formats. The shareholder account information can be retrieved by broadcasting an account inquiry to the record keeping systems or by using a cross-reference table that indicates which record keeping systems the shareholder has accounts with. A combination of the broadcast and cross-reference table can be used. Once the shareholder account information is presented, the user can select an account, for example by a hyperlink tag, and receive detailed information about that account.
54 Citations
24 Claims
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1. A system for providing access to substantially real-time financial information of account holders in a computerized system, the substantially real-time financial information describing a first account of a first account holder being stored on a first record keeping system, a second account of the first account holder being stored on a second record keeping system, a third account of a second account holder being stored on a second record keeping system, and a fourth account of the second account holder being stored on a fourth record keeping system, the first record keeping system being different from the second record keeping system and the third record keeping system being different from the fourth record keeping system, the first account holder being different from the second account holder, the system comprising:
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a server operative to receive, from a user, identification of a selected account holder, the selected account holder identification being indicative of at least one of the first account holder, the second account holder, or a combination thereof; the server being further operative to determine the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, which store the first account, the second account, the third account, the fourth account, or a combination thereof, associated with the selected account holder identification; and wherein the server further comprises a communications module operative to transmit requests to each of the determined the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, substantially simultaneously, the requests requesting therefrom, information associated with at least the stored one of the first account, the second account, the third account, the fourth account, or a combination thereof, of at least one of the first account holder, the second account holder, or a combination thereof, indicated by the selected account holder identification; and wherein the communications module is further operative to receive responses to the requests from the determined the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, the responses including substantially real-time financial information associated with the at least the stored one of the first account, the second account, the third account, the fourth account, or a combination thereof, of at least one of the first account holder, the second account holder, or a combination thereof, indicated by the selected account holder identification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A system for providing access to substantially real-time financial information of account holders in a computerized system, the substantially real-time financial information describing a first account of a first account holder being stored on a first record keeping system, a second account of the first account holder being stored on a second record keeping system, a third account of a second account holder being stored on a second record keeping system, and a fourth account of the second account holder being stored on a fourth record keeping system, the first record keeping system being different from the second record keeping system and the third record keeping system being different from the fourth record keeping system, the first account holder being different from the second account holder, the system comprising:
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means for receiving, from a user, identification of a selected account holder by an access device, the selected account holder identification being indicative of at least one of the first account holder, the second account holder, or a combination thereof; means for determining, by the access device, the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, which store the first account, the second account, the third account, the fourth account, or a combination thereof, associated with the selected account holder identification; means for transmitting, in response to the determining, requests by the access device to each of the determined the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, substantially simultaneously, the requests requesting therefrom, information associated with at least the stored one of the first account, the second account, the third account, the fourth account, or a combination thereof, of at least one of the first account holder, the second account holder, or a combination thereof, indicated by the selected account holder identification; and means for receiving responses by the access device from the determined first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, in response to the requests, the responses including substantially real-time financial information associated with the at least the stored one of the first account, the second account, the third account, the fourth account, or a combination thereof, of at least one of the first account holder, the second account holder, or a combination thereof, indicated by the selected account holder identification.
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Specification