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Personal finance integration system and method

  • US 7,853,493 B2
  • Filed: 06/18/2008
  • Issued: 12/14/2010
  • Est. Priority Date: 06/18/2008
  • Status: Active Grant
First Claim
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1. A system for providing financial account data for auto-population in an existing, widely-used personal finance software application used by a consumer, the system comprising:

  • a computer processor configured to implement;

    an account detection module configured toretrieve credit and debit information associated with a consumer from a credit/debit data integration service configured to receive, relative to the consumer, both credit data from a credit bureau identifying the credit accounts of the consumer as well as debit data from banks identifying the debit accounts of the consumer;

    detect each of a plurality of financial accounts indicated in the credit and debit information;

    detect one or more account rules associated with the consumer indicating which of the financial accounts indicated in the credit and debit information should be included in financial account data for transmission to the existing, widely-used personal finance software application; and

    extract, from the credit and debit information, financial account data matching the account rules; and

    a personal finance software integration module configured to generate a data file comprising the extracted account data for transmission to the existing, widely-used personal finance software application of the consumer, wherein the data file comprises information regarding the indicated financial accounts in a format that is usable by the existing, widely-used personal finance software application in order to add the data file regarding the financial accounts into the existing, widely used personal finance software application.

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