Method and system for internet banking and financial services

A computer data storage medium having program code recorded thereon for providing a client with an integrated financial management account, the program code comprising:

• a first program code for receiving application data for the integrated financial management account online directly from the client;
• a second program code for setting up an integrated financial management account with an investment component data and a loan component data stored associated with an account file at the time of setting up of the integrated financial management account, and linking the loan component data to the investment component data when setting up the integrated financial management account,
• a third program code, that contemporaneous with the setting up of the integrated financial management account credits an investment asset to the investment component data in the account file based on the linking of the loan component data to the investment component data wherein the client is credited with an investment asset in the investment component of the integrated financial management account;
• a fourth program code that qualifies the client for a loan in the loan component of the integrated financial management account and associates the qualification with the account file;
• and
• a fifth program code, that after successful loan qualification, disburses proceeds of the loan into the investment component by storing the proceeds in the investment component data associated with the account file, or after unsuccessful loan qualification removes the association of investment asset to the investment component data associated with the account file.

A system for providing a client with an integrated financial management account, the system comprising:

• means for receiving application data for the integrated financial management account online directly from the client;
• means for setting up the integrated financial management account with investment component data and loan component data associated with an account file at the time of setting up the integrated financial management account, and linking the loan component data to the investment component data when setting up the integrated financial management account;
• means for associating an investment asset to the investment component data based on the linking of the loan component data to the investment component data, contemporaneous with the setting up the integrated financial management account, wherein the client is credited with the investment asset which is recorded in the investment component data of the integrated financial management account;
• means for qualifying the client for a loan in loan component of the integrated financial management account and recording the qualification in the account file;
• means for disbursing the proceeds of the loan component into the investment component, after successful loan qualification, by storing a value of the proceeds in the investment component data;
• and
• means for removing the association of the investment asset to the investment component data, after unsuccessful loan qualification.