Systems and methods for one-click financials

• US 9,400,976 B1
• Filed: 11/01/2012
• Issued: 07/26/2016
• Est. Priority Date: 07/28/2008
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Courtright, Christopher P.
• Primary Examiner(s): Uddin, MD. I
• Application Number:
  US13/666,297
• Time in Patent Office: 1,363 Days
• Field of Search: 707/733, 707/734, 707/784, 707/E17.06
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 50/26 Government or public services business processes related to the transportation industry G06Q50/40

Abstract

A system, method and computer-usable medium are disclosed for managing services provided on behalf of a user through the invocation of a user profile. A service provision management system comprises a user profile registry, which further comprises a plurality of user profiles, each of which is associated with a user. A first user profile is compared to a second user profile within a user interface and recommended modifications to the first user profile are generated in response to user input. The user makes modifications to user information and service provider information contained in the first user profile. Upon invocation of the user profile, service provider instructions, which comprise service execution information, are issued to a service provider to provide a service on behalf of said user.

Claims

1. A system for managing services provided on behalf of a user, comprising:

a storage medium, comprising;

a registry storing one or more user profiles; and

a repository storing;

user information that identifies the user, service preferences of the user, attributes of the user, or any combination thereof; and

service provider information that identifies a service provider, attributes of the service provider, association information between the user and the service provider, or any combination thereof; and

one or more processors configured to provide;

a user profile generator operable to receive input from a user to;

display a first user profile associated with the user via a user interface, wherein the first user profile comprises a first subset of the user information associated with the user that is cross-referenced with a first subset of the service provider information that is associated with a service provider account of the user;

modify the first subset of the user information, the first subset of the service provider information, or both, creating a second subset of the user information, a second subset of the service provider information, or both; and

save the modifications to the first subset of the user information, the first subset of the service provider information, or both as a second user profile, without modifying the first user profile, such that the first user profile remains saved without modifications; and

a service fulfillment system, comprising the one or more processors configured to;

receive a second user profile invocation input that indicates when the second user profile should be invoked;

when the second user profile should be invoked, invoke a second provision of services defined by the modifications to the first subset of the user information, the first subset of the service provider information, or both of the second user profile;

wherein the second provision of services are invoked in place of a first provision of services related to the first user profile; and

when the second user profile should no longer be invoked, re-invoke the first provision of services related to the first user profile.

2. The system of claim 1, wherein the service fulfillment system is configured to receive subsequent input to invoke a provision of services related to the first user profile on behalf of the user after the second user profile has already been invoked.

3. The system of claim 2, wherein, upon receipt of the subsequent input, the service fulfillment system is configured to invoke a provision of services related to a different user profile than the first user profile and the second user profile.

4. The system of claim 1, wherein:

the first subset of user information, the first subset of service provider information, or both comprises a first set of user contact information; and

the second subset of user information, the second subset of service provider information, or both comprises a second set of user contact information.

5. The system of claim 1, wherein the first subset of user information, the first subset of service provider information, or both comprises a plurality of user parameters and a plurality of service provider parameters.

6. The system of claim 5, wherein the plurality of service provider parameters comprises a start date and a stop date for the provision of a service by a service provider.

7. The system of claim 6, wherein the plurality of service provider parameters further comprises a payment amount for the provision of a service by the service provider.

8. A tangible, non-transitory, computer-readable storage medium comprising machine-readable instructions that, upon execution, are configured to:

display, via a user interface, a first user profile associated with the user comprising user information associated with the user, wherein the user information includes service preferences associated with a plurality of third party accounts of the user, and third party service provider information, wherein the third party service provider information is associated with the third party accounts of the user;

modify the service preferences of the user information, to create a second set of service preferences associated with the plurality of third party accounts of the user;

generate a second user profile, by saving the modifications to the service preferences of the user information, without saving over the first user profile;

receive a second user profile invocation input that indicates when the second user profile should be invoked;

when the second user profile should be invoked, invoke the second user profile, providing a provision of services based on the second set of service preferences, by;

using the second user profile to issue instructions to the plurality of third party service providers to provide services on behalf of the user, wherein the instructions are executed to change the provision of services from the service preferences related to the first user profile to the second set of service preferences in response to receipt of the second user profile invocation input to invoke the second user profile; and

providing service execution information to the plurality of third party service providers; and

when the second user profile should not be invoked, invoke the first provision of services related to the first user profile.

9. The computer-readable storage medium of claim 8, wherein the the first user profile and the second user profile comprise a list of action items, wherein each action item corresponds to a service preference to be provided on behalf of the user by a third party service provider.

10. The computer-readable storage medium of claim 8, including instructions executed to enable the execution of a transaction with the plurality of third party service providers by a third party on behalf of the user, wherein the enabling provides predetermined user information and service provider information to the third party.

11. The computer-readable storage medium of claim 10, wherein the predetermined user information comprises predetermined financial account information provided to the third party for the execution of a transaction.

12. The computer-readable storage medium of claim 11, wherein:

the transaction is a payment transaction;

the predetermined financial account information is provided to the third party for execution of the payment transaction; and

the third party is a financial institution.

13. The computer-readable storage medium of claim 11, wherein:

the transaction is a funds transfer transaction;

the predetermined financial account information is provided to the third party for execution of the funds transfer transaction; and

the third party is a financial institution.

14. The computer-readable storage medium of claim 11, wherein:

the transaction is an investment account transaction;

the predetermined financial account information is provided to the third party for execution of the investment account transaction; and

the third party is an investment broker.

15. A system for managing third party services provided on behalf of a user, comprising:

at least one tangible and non-transitory storage medium comprising;

a registry, storing one or more user profiles; and

a repository storing;

user information that identifies the user, service preferences of the user, attributes of the user, or any combination thereof; and

third party service provider information for a plurality of third party service providers;

one or more processors configured to;

display a first user profile comprising a first set of user information and third party service provider information associated with the user;

receive modifications to the first set of user information and third party service provider information to generate a second set of user information and third party service provider information, without saving the modifications to the first user profile, such that the first user profile remains saved without said modifications;

receive a request to save the second set of user information and third party service provider information as a second user profile;

concurrently display the first user profile and the second user profile associated with the user; and

receive a request to invoke the second user profile for a provision of services associated with the second user profile, wherein the provision of services related to the second user profile is activated in place of a provision of services related to the first user profile;

determine, based upon the request when the second user profile should be invoked;

generate, in response to receiving the request to invoke the second user profile, a plurality of third party service execution information, wherein the plurality of third party service execution information comprises instructions to invoke the provision of services based upon the second set of user information and third party service provider information, when the second user profile should be invoked;

transmit the plurality of third party service execution information to the plurality of third party service providers to invoke the provision of services according to the second user profile; and

when the second user profile should not be invoked, cause invocation of the provision of services related to the first user profile.

16. The system of claim 15, wherein the invoking of the second user profile is performed automatically in response to receiving the request.

17. The system of claim 15, wherein the first user profile reactivated in place of the second user profile after the second user profile is invoked.

18. The system of claim 17, wherein the second user profile is invoked in response to receiving the request and the first user profile is re-invoked on a predetermined date provided in the request.

19. The system of claim 17, wherein the second user profile is invoked automatically on a predetermined date provided in the request.

20. The system of claim 17, wherein the provision of services related to the first user profile is reactivated in place of the second user profile in response to receiving a request to invoke the first user profile after receiving the request to invoke the second user profile.