US 7,734,541 B2Granted

Interactive funds transfer interface

AssigneeYodlee.com, Inc.

InventorsSrihari Kumar, Jennifer Greene Scott, Blake Earl Hayward, Satyen Desai

Life of this patent

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Abstract

In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.

Claims7

Dependent claims

An interactive method for transferring funds from or to a user's financial account held at one institution and the user's financial account held at another institution comprising steps of:

(a) inputting in a data field within a single interface accessed by the user on an Internet Network a transfer amount;
(b) selecting from a data menu within the single interface a date for the funds transfer to execute;
(c) selecting from a data menu within the single interface a first financial institution and associated account number of an account for the user the transfer amount will be taken from, the financial institution providing access to the user's financial account via a Web page requiring the user at least log-in with a name and password to access the user's financial account;
(d) selecting from a data menu within a single interface a second financial institution and associated account number of an account for the user the transfer amount will be deposited to, the financial institution providing access to the user's financial account via a Web page requiring the user at least log-in with a name and password to access the user's financial institution;
(e) submitting the transfer funds order to be executed on the selected date;
and
(f) initiating the transfer on the requested date by proxy over the Internet network on behalf of the user;
(g) navigating by the proxy to the Web pages of the first and second financial institutions via an automated browser on the Internet, logging into the accounts on behalf of the user with the user's account name and password and transferring the specified funds from the account at the first financial institution to the account at the second financial institution.

5 more elements

Dependencies are inferred from the claim text.

Facts

Application: 09/854,222Filed 10 May 2001 · continuation in part
Priority: 8 Dec 1998
Published: US 2002/0007330 A118 Jul 2002
Granted: 8 Jun 2010
Term ends: Not estimatedThe source records don’t support an estimate.

Classification11 codes

G06F 9/547
Interprogram communication: remote procedure calls [RPC]; Web services
G06F 21/41
User authentication: where a single sign-on provides access to a plurality of computers
G06Q 20/10
Payment architectures: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G06Q 20/108
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: remote banking, e.g. home banking

Family

Application09/208,740Parent of this continuation-in-part · filed 8 Dec 1998
Application09/323,598Parent of this continuation-in-part · filed 1 Jun 1999
Application09/425,626Parent of this continuation-in-part · filed 22 Oct 1999
Application60/232,187Us provisional application · filed 12 Sep 2000
Application09/698,708Parent of this continuation-in-part · filed 27 Oct 2000
Application09/826,747Parent of this continuation-in-part · filed 4 Apr 2001
US 2002/0095651 A1Pre-grant publication · published 18 Jul 2002
US 6,199,077 B1Parent of this continuation-in-part
US 2002/0007330 A1Published application
US 2002/0032782 A1Published application
US 2002/0078079 A1Published application
US 6,412,073 B1Related patent
US 6,802,042 B2Related patent
US 6,859,212 B2Related patent
US 7,672,879 B1Related patent
US 7,734,541 B2This patent

From the US filing history. Foreign family members aren’t listed.