U.S. patent application number 14/289492 was filed with the patent office on 2014-10-23 for management method and system for a user.
The applicant listed for this patent is John P. Bench, Linda Birbara, Matthew P. Burkley, Barbara Coluni, Patrick C. Kim, Alexander M. Kleiner, Nicholas Prastos, Douglas Schneider. Invention is credited to John P. Bench, Linda Birbara, Matthew P. Burkley, Barbara Coluni, Patrick C. Kim, Alexander M. Kleiner, Nicholas Prastos, Douglas Schneider.
Application Number | 20140317020 14/289492 |
Document ID | / |
Family ID | 38957251 |
Filed Date | 2014-10-23 |
United States Patent
Application |
20140317020 |
Kind Code |
A1 |
Birbara; Linda ; et
al. |
October 23, 2014 |
MANAGEMENT METHOD AND SYSTEM FOR A USER
Abstract
The invention provides a system, method, machine readable
program and a graphical user interface for managing multiple
accounts associated with a user. The method includes receiving a
first set of information associated with identification of a user,
in response to the first set of information, identifying a second
set of information relating to a financial account associated with
the user, the financial account being associated with a financial
institution, in response to the first set of information. The
method also includes identifying a third set of information
relating to a health account associated with the user, the health
account being associated with a healthcare institution. A fourth
set of information is generated based upon the second set of
information and the third set of information. The method also
includes sending a signal representative of the fourth set of
information. The signal may be sent to the user or a designee of
the user.
Inventors: |
Birbara; Linda; (New York,
NY) ; Bench; John P.; (Norfolk, MA) ; Kim;
Patrick C.; (New York, NY) ; Kleiner; Alexander
M.; (Woodbridge, CT) ; Burkley; Matthew P.;
(Cambridge, MA) ; Prastos; Nicholas; (Closter,
NJ) ; Schneider; Douglas; (Cincinnati, OH) ;
Coluni; Barbara; (Ann Arbor, MI) |
|
Applicant: |
Name |
City |
State |
Country |
Type |
Birbara; Linda
Bench; John P.
Kim; Patrick C.
Kleiner; Alexander M.
Burkley; Matthew P.
Prastos; Nicholas
Schneider; Douglas
Coluni; Barbara |
New York
Norfolk
New York
Woodbridge
Cambridge
Closter
Cincinnati
Ann Arbor |
NY
MA
NY
CT
MA
NJ
OH
MI |
US
US
US
US
US
US
US
US |
|
|
Family ID: |
38957251 |
Appl. No.: |
14/289492 |
Filed: |
May 28, 2014 |
Related U.S. Patent Documents
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Application
Number |
Filing Date |
Patent Number |
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11489213 |
Jul 19, 2006 |
8775214 |
|
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14289492 |
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PCT/US2007/013623 |
Jun 7, 2007 |
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11489213 |
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Current U.S.
Class: |
705/36R |
Current CPC
Class: |
G06Q 10/10 20130101;
G06Q 40/02 20130101; G06Q 40/08 20130101; G06Q 40/06 20130101; G06Q
20/10 20130101 |
Class at
Publication: |
705/36.R |
International
Class: |
G06Q 40/06 20120101
G06Q040/06 |
Claims
1-20. (canceled)
21. A method for managing multiple accounts associated with a user,
the method comprising: receiving into a computer system a first
machine readable data signal that identifies a user; in response to
the first machine readable data signal that identifies the user,
obtaining financial data from a financial investment account
maintained by a financial institution using the computer system,
the financial data identifying assets or liabilities of the user;
in response to the first machine readable data signal that
identifies the user, obtaining information relating to a health
account associated with the user using the computer system, the
health account being associated with a healthcare institution and
unassociated with the financial investment account; generating a
financial projection, using the financial data and the information
relating to the health account associated with the user, that
computes effects of health or lifestyle costs of the user on the
user's finances; and generating a second machine readable signal
using the computer system to display the financial projection to
the user or to a designee of the user.
22. The method of claim 21, wherein: the financial investment
account is selected from a group consisting of: a bank account, a
mortgage account, a tax account, an education account, a credit
account, a brokerage account and a retirement account; and wherein
the health account is selected from a group consisting of: a
benefits record, a health insurance account, a disability insurance
account, a long term care insurance account, a medical record
account and a pharmaceutical record account.
23. The method of claim 21, wherein: obtaining financial data from
the financial investment account maintained by the financial
institution using the computer system includes obtaining the
financial data using a back end services layer within the computer
system; obtaining information relating to the health account
associated with the user using the computer system includes
obtaining the information relating to the health account using the
back end services layer within the computer system; generating the
financial projection includes using a business logic layer within
the computer system; and generating the second machine readable
signal includes generating the second machine readable signal using
the business logic layer within the computer system.
24. The method of claim 23, wherein the computer system includes a
data access layer that separates the back end services layer from
the business logic layer, wherein the data access layer is
configured to act as a liaison between the business logic layer and
the back end services layer for added security, and wherein the
method further comprises passing the financial data and the
information relating to the health account from the data access
layer to the business logic layer through the data access
layer.
25. The method of claim 24, wherein passing the financial data and
the information relating to the health account from the data access
layer to the business logic layer through the data access layer
includes altering a format of the financial data and the
information relating to the health account, using the data access
layer, to match a format required by the business logic layer.
26. The method of claim 21, wherein the information relating to the
health account associated with the user is a first set of
information relating to a first health account associated with the
user, the method further comprising: obtaining a second set of
information relating to a second health account associated with the
user, wherein generating the financial projection that computes
effects of health or lifestyle costs of the user on the user's
finances includes generating the financial projection using the
financial data, the first set of information relating to the first
health account associated with the user, and the second set of
information relating to the second heath account associated with
the user.
27. The method of claim 26, wherein the financial data from the
financial investment account maintained by the financial
institution is a first set of financial data from a first financial
investment account, the method further comprising: obtaining a
second set of financial data from a second financial investment
account, the second set of financial data identifying additional
assets or liabilities of the user, wherein generating the financial
projection that computes effects of health or lifestyle costs of
the user on the user's finances includes generating the financial
projection using the first set of financial data, the second set of
financial data, the first set of information relating to the first
health account associated with the user, and the second set of
information relating to the second heath account associated with
the user.
28. The method of claim 21, further comprising: receiving user
input regarding a change to the financial investment account or to
the health account; and updating the financial projection using the
change.
29. The method of claim 21, further comprising: receiving a first
user input regarding a change to the financial investment account;
receiving a second user input regarding a change to the heath
account; and updating the financial projection using the first user
input regarding the change to the financial investment account and
the second user input regarding the change to the heath
account.
30. The method of claim 21, further comprising: generating a
graphical user interface that uses the second machine readable
signal to display the financial projection to the user or to a
designee of the user along with the financial data and the
healthcare data.
31. A server for generating a graphical user interface for managing
multiple accounts associated with a user, the server comprising: a
financial module configured to transmit identification information
for a user in order to obtain financial information relating to a
financial investment account associated with the user, the
financial investment account being associated with a financial
institution; a heath module configured to transmit identification
information for the user in order to obtain health information
relating to a health account associated with the user, the health
account being associated with a healthcare institution and
unassociated with the financial investment account; a goal module
configured to receive user input regarding a financial goal or a
heath goal, the goal module being further configured to determine
progress towards the financial goal or the health goal using both
the financial information from the financial module and the health
information from the module; and a user interface module configured
to generate and display a user interface that includes a financial
window in which the financial information is displayed, a health
window in which the health information is displayed, and a goal
window in which the process towards the financial goal or the heath
goal is displayed.
32. The server of claim 31, wherein the goal module is configured
to determine recommended changes to the financial information or
the health information that enables the user to reach the financial
goal or the heath goal more quickly, and wherein the user interface
module in configured to display those recommended changes through
the user interface.
33. The server of claim 32, wherein the user interface module is
configured to receive user input through the user interface
regarding the recommended changes, and wherein the financial module
is configured to convey the user input to the financial institution
and the health module is configured to convey the user input to the
health institution.
34. The server of claim 32, wherein the goal module is configured
to determine recommended changes to the health information that
enables the user to reach the financial goal more quickly.
35. The server of claim 32, wherein the goal module is configured
to determine recommended changes to the financial information that
enables the user to reach the health goal more quickly.
36. The server of claim 31, wherein the user interface further
includes a projection window through which a financial projection,
a health projection or a lifestyle projection is displayed.
37. The server of claim 31, further comprising a fraud detection
module configured to monitor the financial information and the
health information to detect fraudulent actions, and wherein the
user interface is configured to convey a notification of detected
fraudulent actions to the user.
38. The server of claim 31, wherein the server includes a business
logic layer and a back end services layer that are separated by a
data access layer, wherein the back end services layer includes the
financial and health modules, the business logic layer includes the
goal module and the user interface module, and the data access
layer is configured to act as a liaison between the business logic
layer and back end services layer for added security.
39. The server of claim 31, further comprising a portal module
configured to securely transmit selected information from the
health module, the financial module, or the goal module to a third
party.
40. A method for analyzing information from independent accounts
associated with a user, the method comprising: receiving, by one or
more processors, identification information for a user; obtaining,
by the one or more processors, a first set of information relating
to a financial investment account associated with the user using
the identification information for the user, the financial
investment account being associated with a financial institution;
obtaining, by the one or more processors, a second set of
information relating to a relating to a health account associated
with the user, the health account being associated with a
healthcare institution and unassociated with the financial
investment account; analyzing the first and second sets of
information, using the one or more processors, to identify
interactions between health and finances of the user; generating
and displaying a user interface conveying the interactions.
41. The method of claim 40, wherein the user interface includes a
prompt for user input, the method further comprising: receiving
user input identifying changes to the first or second sets of
information; and analyzing the changes to update the interactions
between the health and finances of the user.
42. The method of claim 41, wherein the prompt for user input is
part of a decision support tool, and wherein the decision support
tool is selected from a group consisting of: a retirement
calculator, a college savings calculator, a drug cost saving
calculator, a goal tracker, and combinations thereof.
Description
CROSS REFERENCE TO RELATED APPLICATIONS
[0001] The present application claims priority to and the benefit
of U.S. patent application Ser. No. 10/489,213 filed on Jul. 19,
2006. The present application also claims priority to and the
benefit of International Patent Application Serial No.
PCT/2007/013623 filed on Jun. 7, 2007. Both applications are
incorporated herein by reference in their entirety for all
purposes.
COPYRIGHT NOTICE
[0002] A portion of the disclosure of this patent document contains
material which is subject to copyright protection. The copyright
owner has no objection to the reproduction by anyone of the patent
document or patent disclosure as it appears in the Patent and
Trademark Office, patent file or records, but otherwise reserves
all copyrights whatsoever.
BACKGROUND OF THE INVENTION
[0003] 1. Field of the Invention
[0004] The present invention relates to a method, system, and
machine readable program that may include a graphical user
interface for assisting a user, such as a consumer. Particularly,
the present invention is directed to an integrated system that can
facilitate management of the financial, health, and other affairs
of a consumer, as desired.
[0005] 2. Description of Related Art
[0006] A variety of computer implemented systems including
graphical user interfaces are known in the art for helping users,
such as consumers, manage various aspects of their lives. For
example, service providers, such as financial institutions that
provide banking services, frequently provide online access to a
user so that the user can view the balances of their accounts with
the institution. Online access to personal information specific to
institutions offering various services has been growing, and has
started to become very common. For example, it is becoming more
common for a user to access personal health related information
online, such as from a website built by their health insurance
provider. Indeed, many services have become available online.
[0007] While the availability of services online has initially
presented many advantages to the user, it is not without its
problems. For example, so many aspects of management of a user's
affairs have gone online that it has become cumbersome and
difficult for a user to keep track of user names and passwords for
accounts for multiple bank accounts and brokerages, auto and health
insurance accounts, tax accounts, online learning accounts,
mortgages, credit cards, and the like. As can be seen, while online
access has solved certain problems and created convenience, it has
also created confusion and a highly segmented view of a consumer's
state of affairs.
[0008] Moreover, with the internet boom, nearly every kind of
information one can think of has become available online as well.
For example, financial advice, health advice and legal advice,
among myriad others, can all be found by a user online. As so much
information is available, it is difficult for a user to find the
correct information that they need, let alone determine which
information is the most accurate and therefore useful to the
user.
[0009] At the same time, new dynamics are reshaping the Wealth
Management industry. Because of online access, potential customers
for services have become more empowered than ever before. For
example, over the past twenty years, retirement responsibilities
have shifted largely from institutions to individuals. Indeed,
nearly seventy percent of U.S. households now have two or more
financial relationships that they manage. These financial
relationships are managed through checking, savings, money market,
retirement, 401k, stock and other accounts. Although the internet
and online access have created some confusion as described above,
the Internet has also provided unprecedented transparency to wealth
management performance and shifted decision maker power to the end
client.
[0010] Compounding the above, the "baby boomer" population is aging
and starting to think about retirement. Nearly 76 million baby
boomers account for one-third of the total US population.
Two-thirds of baby boomers, or about 46 million people, will likely
retire before 2013. As investors become more sophisticated, they
require access to multi-asset class solutions, including fixed
income and alternative investments. Baby boomers will drive more
assets into the investable asset market, possibly thirty trillion
dollars by 2010. The baby boomer generation will then move from
"saving" to "income preservation," requiring increased tax
planning.
[0011] Self management for retirement and healthcare is becoming
increasingly complex. As the population continues to age, there
will be a shift to self-managed retirement plans. Most customers
are now in defined contribution plans, as evidenced by the
expanding 401K market which reached $1.6 trillion in assets in
2003. There has also been a shift to self-managed healthcare
planning: Healthcare costs account for nearly 26% of all retirement
funds. This percentage of funds will likely grow with increasing
health care costs as time progresses.
[0012] As shown above, while there has been a shift to systems that
can permit more convenient management of an individual's personal
affairs online, the nature of what an individual needs to manage is
growing increasingly complex. Moreover, while the availability of
information that would be useful to such individuals has been
growing, finding and distilling the information useful for an
individual presents a problem. As such, there exists a strong and
growing need for a system that can help an individual collect and
manage myriad information relating to their affairs. The present
invention provides a solution for these and other needs, as
described herein.
SUMMARY OF THE INVENTION
[0013] The purpose and advantages of the present invention will be
set forth in and apparent from the description that follows.
Additional advantages of the invention will be realized and
attained by the methods and systems particularly pointed out in the
written description and claims hereof, as well as from the appended
drawings.
[0014] To achieve these and other advantages and in accordance with
the purpose of the invention, as embodied herein, the invention
includes a method for managing multiple accounts associated with a
user. The method includes receiving a first set of information
associated with identification of a user. The method also includes
identifying, in response to the first set of information, a second
set of information relating to a financial account associated with
the user. The financial account is associated with a financial
institution. The method also includes identifying, in response to
the first set of information, a third set of information relating
to a health account associated with the user. The health account is
associated with a healthcare institution. The method further
includes generating a fourth set of information based upon the
second set of information and the third set of information.
Additionally, the method includes sending a signal representative
of the fourth set of information. The signal may be sent to the
user or a designee of the user, for example.
[0015] In accordance with a further aspect of the invention, the
first set of information may include information selected from the
group including an account number such as a user's social security
number, taxpayer identification number, bank account number,
website username, email address, telephone number, a date and
combinations thereof. The financial account may be selected from
the group including a bank account, a tax account, a mortgage
account, education account, credit account, brokerage account and a
retirement account, for example. The health account may be selected
from the group including a benefits record, a health insurance
account, a disability insurance account, a long term care insurance
account, a medical record account and a pharmaceutical record
account, among others. Transactions performed using data relating
to the health of the user may be transacted in accordance with a
preselected standard. For example, the preselected standard may be
one established in accordance with the Health Insurance Portability
and Accountability Act ("HIPAA").
[0016] In accordance with a further aspect of the invention, the
fourth set of information may be an amalgamation of the second set
of information and the third set of information. If desired, the
fourth set of information may be a subset of an amalgamation of the
second set of information and the third set of information. If
desired, a fifth set of information may be identified in response
to the first set of information. The fifth set of information may
relate to the financial account, or a second financial account of
the user. The second financial account may be associated with the
financial institution or a second financial institution. If
desired, the fourth set of information may be generated using the
fifth set of information and at least one of the second and third
sets of information. If desired, multiple financial accounts may be
accessed by the user from a single or multiple financial
institutions.
[0017] In accordance with a further aspect of the invention, a
sixth set of information may be identified in response to the first
set of information, the sixth set of information relating to a
second health account of the user, the second health account being
associated with a second health institution. If desired, the fourth
set of information may be generated using the sixth set of
information and at least one of the second, third sets of
information. If desired, multiple health accounts may be accessed
by the user from a single or multiple health institutions.
[0018] In accordance with still a further aspect of the invention,
the second set of information may further include information
relating to a financial advisor of the user. If desired, the
financial advisor may be selected from the group including a
stockbroker, a financial planner, an accountant, a credit analyst,
a real estate agent, and an attorney, among others. The second set
of information may include information relating to the credentials
of the financial advisor, among other things.
[0019] In accordance with yet a further aspect of the invention,
the third set of information may further include information
relating to a health advisor of the user. The health advisor may be
selected from the group including a doctor, a health insurance
agent, a physical therapist, a psychologist, a nutritionist, a
therapist and a spiritual advisor, among others. The second set of
information may include data relating to the credentials of the
health advisor.
[0020] In accordance with a further aspect of the invention, the
signal may be related to a set of actionable information. An
operation can be performed on the set of actionable information.
The operation may be performed by using a decision support tool
selected by the user. Preferably, the decision support tool permits
computation of a financial projection, a health projection or a
lifestyle projection. By way of example, the decision support tool
may be selected from the group consisting of a retirement
calculator, a college savings calculator, a drug cost saving
calculator, and combinations thereof. Preferably, the actionable
information relates to at least one of a financial or a healthcare
decision.
[0021] In accordance with a further aspect of the invention, the
method further includes receiving a decision associated with the
user in response to the set of actionable information. The second
and/or third sets of information may be updated based upon the
decision. The decision may include an affirmative response, a
negative response or another response, as appropriate. For example,
a user can be asked to postpone any decision.
[0022] In accordance with a further aspect of the invention, the
signal representative of the fourth set of information may be
forwarded as an alert to the user. The alert may relate to a health
decision or a financial decision. The alert may be sent to the user
by way of electronic mail. If desired, alert may include a
financial projection that computes the effect of costs of the
health or lifestyle of the user on the user's finances. An alert
differs from a set of actionable information in that the alert does
not require an action on the part of the user. A user taking action
can include, for example, a user electing taking action at the time
the actionable information is first reviewed by the user, by a user
declining to take action, and by a user deciding to be reminded to
take action at a time in the future, among other actions.
[0023] In accordance with a further aspect of the invention, the
user may permit an advisor to access desired profile information
relating to the user in a database. The advisor may be a financial
advisor and the profile information may include financial
information relating to the user. If desired, the user may specify
a subset of the profile information that the advisor can access.
The advisor may be a health advisor and the profile information may
include health information relating to the user.
[0024] In further accordance with the invention, a system for
managing multiple accounts associated with a user is provided. The
system includes means for receiving a first set of information
associated with identification of the user. The system also
includes means for identifying a second set of information in
response to the first set of information, the second set of
information relating to a financial account associated with the
user, the financial account being associated with a financial
institution. The system also includes means for identifying a third
set of information in response to the first set of information, the
third set of information relating to a health account associated
with the user, the health account being associated with a
healthcare institution. The system also includes means for
generating a fourth set of information based upon the second set of
information and the third set of information, and means for sending
a signal representative of the fourth set of information to the
user or a designee of the user.
[0025] In further accordance with the invention, a machine readable
program on a computer readable medium containing instructions for
controlling a system for managing multiple accounts associated with
a user is provided. The program includes a first computer code
segment for processing a first set of received information
associated with identification of the user and a second computer
code segment for identifying a second set of information in
response to the first set of information, the second set of
information relating to a financial account associated with the
user, the financial account being associated with a financial
institution. The program further includes a third computer code
segment for identifying a third set of information in response to
the first set of information, the third set of information relating
to a health account associated with the user, the health account
being associated with a healthcare institution. The program also
includes a fourth computer code segment for generating a fourth set
of information based upon the second set of information and the
third set of information, and a fifth computer code segment for
sending a signal representative of the fourth set of information to
the user or a designee of the user.
[0026] In accordance with still another aspect of the invention, a
graphical user interface for controlling a system for managing
multiple accounts associated with a user is provided. The graphical
user interface includes a first field for receiving a first set of
information associated with identification of the user and a second
field for specifying a second set of information relating to a
financial account associated with the user, the financial account
being associated with a financial institution. The interface
further includes a third field for specifying a third set of
information relating to a health account associated with the user,
the health account being associated with a healthcare institution.
The interface also includes a fourth field for requesting
generation of a fourth set of information based upon the second set
of information and the third set of information, and a fifth field
for displaying a signal representative of the fourth set of
information to the user or a designee of the user.
[0027] It is to be understood that both the foregoing general
description and the following detailed description are exemplary
and are intended to provide further explanation of the invention
claimed. The accompanying drawings, which are incorporated in and
constitute part of this specification, are included to illustrate
and provide a further understanding of the method and system of the
invention. Together with the description, the drawings serve to
explain the principles of the invention.
BRIEF DESCRIPTION OF THE DRAWINGS
[0028] FIG. 1 is a schematic view of a first representative
embodiment of a system made in accordance with the present
invention.
[0029] FIG. 2 is a schematic view of security aspects of the system
depicted in FIG. 1.
[0030] FIG. 3 is a schematic view showing how a content provider
can contribute content to the system depicted in FIG. 1.
[0031] FIG. 4 is a summary view depicting exemplary functionality
of the system depicted in FIG. 1.
[0032] FIG. 5 is a summary view depicting selected functionality of
the system depicted in FIG. 1 that may be used by a consumer.
[0033] FIG. 6 is a summary view depicting selected functionality of
the system depicted in FIG. 1 that may be used by an advisor.
[0034] FIGS. 7(A)-7(C) are schematics illustrating further aspects
of systems made in accordance with the invention.
[0035] FIG. 8 depicts an exemplary graphical user interface made in
accordance with the invention depicting a summary view for a
consumer.
[0036] FIG. 9 depicts a portion of the graphical user interface of
FIG. 8 displaying a goal tracker page.
[0037] FIG. 10 depicts a portion of the graphical user interface of
FIG. 8 displaying the consumer's health profile.
[0038] FIG. 11 depicts a portion of the graphical user interface of
FIG. 8 displaying a summary of the consumer's pharmaceutical
prescriptions.
[0039] FIG. 12 depicts a further view of the summary depicted in
FIG. 11.
[0040] FIG. 13 depicts a portion of the graphical user interface of
FIG. 8 displaying results of a health cost calculator.
[0041] FIG. 14 depicts a portion of the graphical user interface of
FIG. 8 displaying certain aspects of a drug cost calculator.
[0042] FIG. 15 depicts a portion of the graphical user interface of
FIG. 8 displaying a summary of advisors of the consumer.
[0043] FIG. 16 depicts a portion of the graphical user interface of
FIG. 8 displaying a page for adding an advisor to the consumer's
list of advisors.
[0044] FIG. 17 depicts a further view of the portion of the
interface depicted in FIG. 16.
[0045] FIG. 18 depicts an updated view of the summary depicted in
FIG. 15.
[0046] FIG. 19 depicts and updated view of the summary depicted in
FIG. 8.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENT
[0047] Reference will now be made in detail to the present
preferred embodiments of the invention, examples of which are
illustrated in the accompanying drawings. The method and
corresponding steps of the invention will be described in
conjunction with the detailed description of the system, machine
readable program and graphical user interface as described
herein.
[0048] The devices and methods presented herein may be used to
assist a user, such as a consumer in making financial and health
related decisions. The present invention is particularly well
suited for assisting a user, such as a consumer to study the
interaction between their health and their finances. It will be
appreciated that the user can include a consumer, as well as a
designee of the consumer, such as a legal designee (e.g, guardian
or parent), as well as an advisor of the consumer as described
herein. Thus, the user can be considered to be anyone capable of
using the system described herein to help accomplish a useful,
tangible end result.
[0049] Thus, in accordance with the invention, a system and
associated method for managing multiple accounts associated with a
user, such as a consumer, is provided. It will be understood that
an account "associated with" a "user" can refer to an account that
belongs to a consumer (as such, the account is "associated with"
the consumer). Similarly, an account of a consumer may be
"associated with" an advisor of the consumer by the consumer giving
the advisor access to view the account of the consumer by way of
system 100.
[0050] For purposes of illustration and not limitation, as depicted
in FIG. 1, a schematic representation of an overview of a system
made in accordance with the invention is designated generally by
reference character 100. As depicted in FIG. 1, system 100 includes
a client layer 110, a web interface 120, a business logic layer
130, a data access layer 140 and a back end services layer 150.
Other embodiments of a system in accordance with the invention, or
aspects thereof, are provided in FIGS. 2-19, as will be
described.
[0051] Thus, in accordance with the invention, the system includes
means for receiving a first set of information associated with
identification of the user.
[0052] For purposes of illustration and not limitation, as embodied
herein and as depicted in FIG. 1, system 100 is provided with a
client layer 110. Client layer 110 is preferably adapted to receive
a first set of information associated with identification with the
user. Client layer 110 of system 100 preferably includes libraried
data stored on a client terminal 112 at a client location. However,
it will be recognized that system 100 can be configured so that a
user can access the system without storing files at the location of
the user. As depicted in FIG. 1, client layer 110 can be provided
with a browser 114 adapted and configured to interact with a
multibrowser library 116. Multibrowser library 116 permits a user
to have a similar experience across different types of browsers.
For example, a variety of conventional internet browsers may be
used, or other web interfaces may be used, such as various
interfaces provided by different personal digital assistants, as
well as portable telephones, television based web access, and the
like.
[0053] If desired, system 100 can be adapted to deliver alerts to a
user relating to financial and/or health information. Alerts can be
delivered in a variety of forms, such as by way of electronic mail,
pop-up alerts, text messaging, voice mail messages, and the
like.
[0054] Interactions between a user and system 100 are preferably
facilitated by way of a graphical user interface ("GUI") 200,
described in detail below and as depicted in FIGS. 8-19. The first
set of information associated with identification with the user can
include a variety of elements. For example, such information can
include an identifier such as a custom username and password of the
user, a user's social security number, a taxpayer identification
number, a bank account and/or routing number, passport number,
drivers license number and employee identification number, among
others as known to those of skill in the art. If appropriate,
customized logins may be provided for users based in other
countries based the country of origin. Likewise, login information
may be based on membership with an organization (e.g., AARP) or
club or professional organization or other affiliation. Any
suitable means can be used that permits unique and secure
identification of the user. Generally, it will be understood that,
as depicted, while GUI 200 of client layer 110 receives information
from a user first, such information may subsequently be received by
web interface portion 120, business logic portion 130, and portions
140 and 150 of system 100, depending on how system 100 is
configured.
[0055] As further depicted in FIG. 1, a web interface 120 is
provided. Web interface 120 is adapted and configured to create and
format content into web pages to form the graphical user interface
200 observed by the user. Web server 120 can include a programming
interface 121, such as the Internet Server Application Programming
Interface (ISAPI) of Internet Information Services (IIS),
commercially available from Microsoft Corporation. Programming
interface 121 facilitates communication between system applications
(such as integrated applications 122) and web servers 123 that make
assembled web pages available to a user over the internet.
Integrated applications 122 are provided that are integrated
through business logic layer 130, described in detail below. Web
interface 120 also manages the content and context of web pages
delivered to a user using content manager 124 and context manager
125. For example, while content manager 124 manages the substance
of information that is directed to a user, context manager 125
controls how the information is displayed. For example, context
manager can add corporate logos and modify the appearance of
graphical user interface 200. Thus, content manager 124 can
specifically tailor the appearance of GUI 200 for specific users
(e.g., users accessing system 100 through an open web system such
as Yahoo.RTM., or from a customized system at a private company
such as IBM.RTM.) by taking generic "white label" content
controlled by content manager 124 and formatting it to have a
custom look and feel using context manager 125.
[0056] Web interface 120 also includes a proxy component 126 that
interfaces with a proxy server 127 to permit use of external
applications 139, as contrasted to integrated applications 122. A
user can thus view external applications within a frame, for
example in GUI 200 by such information being imported and
integrated into system 100 via proxy server 127 and proxy component
126.
[0057] As further depicted in FIG. 1, system 100 further includes a
business logic layer 130. As depicted, business logic layer 130
includes framework servers 131 that run programs which provide the
data to populate graphical user interface 200. Framework servers
131 house and run an online framework engine 132, a business logic
engine 133 and a channel syndication engine 134.
[0058] Online framework engine 132 delineates the framework that
applies across all applications being run. For example, framework
engine 132 designates entitlements to users. Entitlements can
include, for example, permissions that a user can grant to an
advisor, such as the user's accountant to grant the accountant
access to selected records of the user to assist the accountant in
performing services for the user. Entitlements can also be
established more generally by a system administrator, to designate
which applications and/or portions of applications a user has
access to, and in what capacity. For example, based on a certain
level of service, a user may be entitled to receive stock market
quotes on a periodic or delayed basis as contrasted to a real time
basis. Thus, even though system 100 may be able to access real time
stock market quotes as needed by way of back end services layer 150
that contains such data, if the user is not entitled to such data
at the user's designated service level, such data will not be
provided to the user.
[0059] Online framework engine 132 also controls segmentation of
data and applications to tailor appropriate content for GUI 200
depending on the particular user. For example, depending on the
demographics of a user (e.g., gender, age, marital status,
retirement, income bracket, health condition, geography, group
affiliation (e.g., AARP) and the like stored in a user profile),
framework engine 132 can specify content that is appropriate to the
user. For example, if system 100 includes a profile for a user
indicating that the user has high cholesterol, is near retirement
and has children in college, the available data that could be sent
to the user is segmented to filter out data such as news releases,
advertisements, services and the like that may be of interest to
the user such as those directed to managing high cholesterol,
retirement savings and managing college expenses. As such, content
segmentation can be customized by market segment, product
subscription, client tiers and groups. Framework engine provides
dynamic evaluation of entitlements and role membership and adjusts
content, system behaviors and basic site functionality
accordingly.
[0060] Online framework engine 132 also controls aspects relating
to system security. For example, online framework engine may
include controls for determining which user data (such as account
numbers) is encrypted. In accordance with one embodiment of the
invention, as depicted in FIG. 2, security in system 100 is
composed of multiple layers or zones including physical
infrastructure. Platform, communications, application and
integration protocols are utilized to facilitate communication
within system 100, as are known in the art. Physical
infrastructure, platforms and communications security may include
multiple network zones 171-175, firewalls 176 and other intrusion
detection devices, proxies for potentially vulnerable integration
points and platform features (e.g., UrlMon, .NET request
validation) for specific vulnerabilities.
[0061] In accordance with a further aspect of the embodiment of
FIG. 1, the online application includes additional security
features, including (but not limited to) mandatory input filtering
that restricts data flowing to components, extensive logging,
standards for data validation and manipulation to minimize common
vulnerabilities, encrypted configurations, and non-persistence of
operating data on Web and Application tiers of system 100.
[0062] Business logic engine 133 contains the system logic for
running the integrated applications 122 described above. Moreover,
business logic engine 133 can identify information stored for
example, in layer 150 in response to a user request. For example,
business logic engine can retrieve information relating to
financial and health accounts of a user, each account being
associated with a corresponding financial or health institution.
Business logic engine also includes means (e.g., software) for
generating a set of information based upon the financial and health
data. A resulting amalgamation of the financial and health data can
be sent through the web interface 120 to be displayed to the user
or advisor, for example, or can be embodied into an alert, if
desired, and sent to the user.
[0063] Thus, if a user requests that a cost/benefit projection be
computed, for example, business logic engine 133 controls the
application to make the computation, and provides the requested
result to web interface 120 which, in turn sends a signal to client
layer 110 where a user sees the requested result.
[0064] If desired, a signal generated using information from the
financial and health accounts can be related to a set of actionable
information--that is to say, information can require action of a
user. For example, business logic engine 133 of system 100 can
generate actionable information in the form of a prompt requesting
that the user review the amount of coverage of life insurance to
see if it is adequate.
[0065] If desired, a user can perform an operation can be performed
on the set of actionable information. For example, the user can
press a button on the prompt including actionable information to
review the amount of insurance coverage at that time, or can press
a button declining the invitation. If desired, other myriad options
can be provided, such as requesting a reminder to revisit the issue
later. By way of a further example, the user can select an option
to use a decision support tool selected by the user. Preferably,
the decision support tool permits computation of a financial
projection, a health projection or a lifestyle projection relevant
to the actionable information. By way of example, the decision
support tool may be selected from the group consisting of a
calculator, a goal tracker, a college savings calculator, a drug
cost saving calculator, health and disease cost calculators that
can project the lifetime cost of a particular health condition, and
combinations thereof. Preferably, the actionable information
relates to at least one of a financial or a healthcare
decision.
[0066] A decision associated with the user in response to the set
of actionable information can thus be received. The financial
and/or health information may be updated in layer 150 based upon
the decision of the user.
[0067] If desired, an alert can be programmed by the user or
advisor to remind the user of action that the user should take, or
to inform the user about available products or services, for
example. The alert may relate to a health decision or a financial
decision, for example. The alert may be sent to the user by way of
electronic mail, pop-up messages, or text messaging, among others.
An alert may be contrasted from actionable information, at least to
the extent that actionable information requires a user to take a
step to respond, whether that be clicking on a prompt, responding
within or after a certain period, and the like.
[0068] It will be appreciated that a hybrid prompt can be provided
in the form of an alert that includes actionable information that
must be acted upon within a predetermined time period (e.g., ten
seconds). Failure to respond within the time period could remove
the option to respond, but leave the alert portion of the message
on the screen for display to the user.
[0069] Any suitable subject matter may be made the subject of an
alert. By way of further example, quality indicators or alerts can
also be provided. Specifically, personal health record information
may be combined with information from drug-to-drug interaction
databases (supplied, for example by Micromedex.RTM. databases owned
by Thomson Healthcare) to identify drug interactions that would be
applicable to individual consumers.
[0070] In a similar vein, system 100 can be equipped with fraud
prevention measures to protect users of the system. For example,
system 100 can be adapted to monitor accounts (e.g., financial and
health) of the user (e.g., consumer/advisor) to detect unusual
activity. Detected unusual activity can be reported to a consumer
user and/or their advisor by way of actionable item and/or alerts
as described herein. If an advisor is suspected of engaging in
unscrupulous activity, or for other reasons, any activity relating
to accounts to which a consumer has entrusted some degree of
control to an advisor can be reported to the consumer for
monitoring purposes.
[0071] The financial account viewed using system 100 may be any
financial account that can be viewed on a computer. For example,
the financial account may include a bank account, a tax account, a
mortgage account, education account, credit account, brokerage
account, a trust account and a retirement account, for example. The
health account may include any health account that can be viewed
using a computer, such as a benefits record, a health insurance
account, a disability insurance account, a long term care insurance
account, a medical record account, a health savings account, and a
pharmaceutical record account, among others. Moreover, the health
or financial accounts can include government provided information,
such as social security accounts, Medicaid or Medicare accounts,
tax withholding accounts and the like. In addition, other
governmental information can be integrated and processed with the
financial and/or health information such as court judgments,
governmental and private liens, and the like.
[0072] It will be further understood that systems made in
accordance with the invention can combine information from any
number of financial, health and other accounts to create a useful
end result for the user using any one of a variety of system tools.
System tools can include calculators, projectors, charting
applications, portfolio builders, indices, and the like, as are
known in the art.
[0073] In accordance with a further aspect of system, transactions
can be performed at the request of the user or the user's designee
(e.g., relative or advisor). If desired, transactions performed
using data relating to the health of the user may be transacted in
accordance with a preselected standard. For example, the
preselected standard may be one established in accordance with the
Health Insurance Portability and Accountability Act ("HIPAA") or
other governmentally or privately instituted standards.
[0074] Moreover, to the extent that any information contained in or
processed by system 100 is subject to privacy laws, rules,
contractual obligations, and/or regulations, well known procedures
can be implemented to comply with all applicable national,
international and foreign laws, rules, contractual obligations,
and/or regulations and to safeguard the information, as are known
in the art.
[0075] Channel syndication engine 134 provides the ability to
"syndicate" any of the content on system 100 for display to a user
in accordance with predetermined conditions. For example,
syndication engine provides a means for customizing generic "white
label" content for a particular end user. Thus, if the content is
to be provided through a customized platform, style guides housed
in syndication engine 134 accordingly facilitate "rebranding" of
the "white label" content to suit a particular situation.
[0076] As mentioned above, external application 139 can also be
accessed by system 100. External application 139 can take on myriad
forms and is suitable for incorporation into system 100 as long as
they can be displayed through GUI 200. For example, external
application 139 can be used to manipulate data such as by computing
financial projections. Moreover, external application 139 can be an
external advertisement serving application that distributes
particular advertisements to a user based on their demographics,
such as their health condition and corresponding pharmaceuticals
that a given consumer may be using.
[0077] As depicted in FIG. 1, data access layer 140 separates
business logic layer 130 from back end services layer 150 for added
security. Data access layer includes a distributed data bus 142 and
a cache management engine 144. Data access layer 140 also acts as a
liaison between business logic layer and back end services layer
150. Specifically, cache management engine 144 accesses content in
the form of data and/or services through bus 142 from servers or
other sources, for example, in back end services layer 150. The
cache management engine 144 then formats and normalizes the content
received so that it can be processed by business logic layer 130.
Cache management engine 144 also intelligently manages the content
that it obtains from layer 150. For example, if a stock quote is
requested by a user, the cache management engine 144 will examine
the request to see if a real time quote has been requested, or if a
delayed quote would be sufficient. If a real time quote is needed,
cache management engine 144 will request an updated quote from a
database in layer 150. If a delayed stock quote is acceptable
(e.g., a quote that can be up to 20 minutes old), cache management
engine 144 can compare the stock quote stored in the cache and
determine if it is recent enough to be sent to the user in response
to the user request. If the quote is sufficiently recent, it can be
sent in response to the request. However, if the quote stored in
cache is too old, a new quote will be requested by cache management
engine from layer 150.
[0078] As further depicted in FIG. 1, system 100 also includes back
end services layer 150. As depicted, layer 150 includes online data
stores 152, proprietary data services 154, an entitlements database
156 and client systems 158. Online data stores 152 can include one
or more databases containing a variety of data content, such as
data relating to profiles of users, market financial data, and
other data, as desired. Proprietary data services 154, such as
those provided by a company that manages system 100, can also be
provided. An entitlements database 156 can also be provided to
store entitlements relating to particular users and advisors, as
discussed above to permit access to only selected information.
Client systems 158 can include, for example, third party systems
from which other proprietary data and services are obtained, such
as services that aggregate accounts of a user, health and/or
financial databases on which user information is stored, and the
like.
[0079] Client system content can be managed by integrating a
client's Document Management System ("DMS") or other workflow
system into system 100. Such integration permits a client to
directly publish content to a website generated by system 100. FIG.
3 depicts the flow of such publication. As depicted, in step 1,
content authors upload or otherwise create content in client DMS
160. Authors will tag content to specify who has permission to view
the content. A communication link is then established between
client DMS 160 and an online receiver 162 of system 100 to upload
the content to system 100. Content is then directed to a server
group 164 that formats and organizes the data into a form that
content management servers 166 can use. Server group 164 can run
software such as Microsoft.RTM. BizTalk.RTM. server software, or
other appropriate software. Content is then directed to end users,
such as consumers, by way of parallel redundant servers 168.
[0080] FIGS. 4-6 depict flow charts depicting how end users such as
a consumer and a consumer's advisor may interact with system
100.
[0081] FIGS. 4-5 depict how a user, such as a consumer, can
interact with an advisor through the functionality of system 100.
As depicted in FIG. 4, content 182 is provided to portal 180
internally through back end layer 150 and/or through external
applications 139, as described herein. A consumer 184 can log into
portal 180 in a variety of manners as are known in the art. Once
logged in, consumer 184 can access myriad services and functions of
system 100. For example, consumer 184 can perform a search of an
advisor database 190 to identify a trusted advisor, or to find a
new or additional advisor. The consumer can then entitle one or
more advisors to view selected portions of the consumer's personal
data using an entitlement application 191. The consumer can review
an aggregation of their accounts, such as financial and health
accounts using an aggregation function 192. If desired, a consumer
can upload images or other data to a personal file or "lock box"
193 that can permit sharing of the data with one or more trusted
advisors, as specified by the consumer. The consumer can also apply
tools and resources 194 to analyze their finances, and the effect
of their health or lifestyle thereon. For example, planning
applications can be provided such as cost calculators and
projectors to permit a user to plan their budget, retirement plans,
education plans, and the like, for example. Moreover, health
information of a user can be imported into a health insurance
calculator to assist a user in obtaining or replacing health
insurance. An alerts engine 195 can also be accessed by the
consumer to specify if and when the consumer can receive alerts
related to their health or finances, for example. A decision
support portal 196 is also provided to supply the consumer with any
research or other information needed to help the consumer make
decisions relating, for example to health and finances. The
consumer can also actively manage financial portfolios and the like
using portfolios as desired on an ongoing basis, and engage in
financial or health related transactions, for example, using portal
180.
[0082] As further depicted in FIGS. 4-6, item 182 depicts exemplary
content that may be accessed and manipulated by a consumer 184 or
their designee through portal 180. While the content can be managed
by way of third party relationships between the administrator of
system 100 and third party information vendors, it will be
recognized that other content sources can be used. For example, if
desired, system 100 can be adapted to incorporate information from
the internet (such as by way of an internet search engine).
Moreover, if desired, a consumer can specify that a particular
vendor be used to supply information that the administrator of
system 100 does not have a pre-established relationship with. For
example, the user can request information from online sources such
as newspapers, or private networks such as educational libraries,
or other online information stores, as desired.
[0083] FIG. 5 depicts additional detail regarding possible consumer
workflow. Consumer 184 is provided with a graphical user interface
200 that can initially present the consumer with a summary or
"dashboard" 210, described in detail below. Briefly stated,
dashboard 210 is a webpage that preferably includes a summary of
pertinent information relating to the user's overall financial,
health and lifestyle picture. Dashboard 210 can include an account
summary window that may include an aggregation of multiple client
accounts, a news window that includes particular news of interest
to consumer that has preferably been segmented as described herein
based on a profile of the consumer relating to their demographics.
An alerts window may also be provided that includes alerts from
advisors relating to health and/or financial information, for
example, or from other sources, as desired. A message window may
also be provided listing messages from one or more advisors, as
specified in accordance with a consumer's preferences.
[0084] As further depicted in FIG. 5, based on information on
dashboard 210, a consumer may wish to take action, for example, in
response to changes in account balances, news, alerts or a message
from an advisor. Accordingly, a variety of client actions may be
carried out by consumer as depicted in FIG. 5, and as described in
detail with respect to FIG. 4.
[0085] A user such as an advisor 186, on the other hand, can also
log into system 100 to access records of and/or communicate with
one or more clients as depicted in FIGS. 4 and 6. Advisor 186 may
select a client from a client list 188 in order to access
information relating to a particular client. When logged into
portal 180, advisor 186 can access a suite of functions. For
example, an advisor can upload credentials into advisor database
190 to make suitable potential clients aware of their services.
Client information can be accessed by advisor 186 if they have been
given permission by the consumer to view their pertinent
information by way of entitlement application 191. If given
permission by the client consumer, advisor 186 may view the
complete financial picture of consumer 184 to permit advisor to
give the most appropriate advice to the consumer. Advisor 186 can
be granted permission by consumer 184 to review various information
in lock box 193 to assist advisor 186 in advising consumer 184.
Advisor has access to similar tools 194 as consumer 184, and can
use such tools to review proposals made by consumer 184, and to
modify or otherwise create plans for consumer 184 to review
further. Alerts engine 195 can similarly be configured by advisor
186 to send alerts to one or more clients. Advisor can also have
access to the latest news and research to assist advisor in
advising clients via decision support portal 196. It will be
recognized that varying levels of service may be provided to
consumer and advisor, as appropriate. For example, a baseline level
of services can be provided to a consumer or advisor for a minimal
fee or no fee, with the possibility to upgrade to higher levels of
service for a fee. If given permission by a consumer, advisor 186
can monitor various portfolios for consumer 184 and engage in
appropriate transactions.
[0086] A variety of advisors can be given access to a user's
account as the user desires. For example, financial and health
advisors can be given access to system 100. For example, financial
advisors, such as stockbrokers, financial planners, accountants,
credit analysts, real estate agents, attorneys, guardians, an
individual with a power of attorney, and the like may be granted
access by a user. The health advisor may include, for example, a
doctor, a health insurance agent, a physical therapist, a
psychologist, a nutritionist, a therapist and a spiritual advisor,
among others. Information such as credentials and relevant
experience of an advisor can be provided in advisor database 190 to
assist a user in selecting an advisor.
[0087] As depicted in FIG. 6, advisor 186 is provided with system
functionality that is analogous to, and complements that provided
to a consumer as depicted in FIG. 4. As depicted, advisor 186 is
similarly provided with a dashboard 202 including a client account
portal including information relating to one or more clients of the
advisor. Dashboard 202 also includes a news portal listing news of
relevance to the advisor. Dashboard further includes an alert
portal and a message portal, including messages from the advisor's
clients, for example. As depicted in FIG. 6, depending on what
information is presented on the dashboard 202, the Advisor may
elect to take action in a variety of ways. For example, the advisor
186 may have received a message from a client and needs to mock up
a scenario to return to the client. On the other hand, the advisor
186 may have been alerted that a required compliance form is due
and now must start working to submit it on time. The advisor 186
could have just finished looking over a client document and is
ready to place it in the Lock Box 193 for the client to review. The
advisor 186 might also notice that he holds only two-thirds of his
clients' assets and is thus motivated to capture the remaining
third, for example. To facilitate these actions, the advisor can
access any one of the functions made available to him by system
100.
[0088] It will be appreciated that while system 100 as embodied
herein supports direct relationships between individuals (e.g.,
consumer-advisor), it will be understood that systems made in
accordance with the invention can support multiple relationships,
particularly in a non-hierarchical fashion, as depicted in FIGS.
7(A)-7(C). For example, FIG. 7(A) illustrates that system 100 may
result in creation of multiple parallel relationships between one
or more advisors 186 and one or more consumers 184. As depicted in
FIG. 7(B), from the standpoint of consumer 184, multiple advisors
186 and various content 182 may be accessed, as desired.
Conversely, as depicted in FIG. 7(C), from the standpoint of a
advisor 186, multiple consumers/clients 184 may be accessed, as
well as various content 182 as disclosed herein.
[0089] As depicted in FIGS. 8-19, an exemplary embodiment of a
consumer's graphical user interface 200 is depicted. As depicted in
FIG. 8, when a user logs in, they are presented with a dashboard or
summary view, 210, as mentioned above. In the embodiment of FIG. 8,
a user may select among a plurality of tabs along the top of GUI
200 to view their health profile 230, their wealth profile 260,
their goals 270, tools and calculators 290, advisors 300,
transactions 320 and recommendations 340.
[0090] As depicted in FIG. 8, dashboard 210 includes a consumer
profile window 212. Consumer profile may include pertinent
information about the consumer including members of the consumer's
family, if desired. Such information can include vital statistics,
such as a user's current health conditions, height, weight, family
health history, current prescriptions, inoculations, other aspects
relating to preventive care, and the like. Relative indices 212a
can be provided comparing the relative health and wealth of a user
and/or their household with an average or percentile value, as
desired. As further depicted in FIG. 8, dashboard 210 further
includes a summary balance sheet window 214. As depicted, balance
sheet window 214 depicts household and/or individual net worth,
major assets and their corresponding values, as well liabilities
and their related balances. It will be appreciated that balance
sheet window 214 can be adapted and configured to include any asset
or liability that may impact net worth, as well as income. As
depicted, dashboard 210 further includes a window 216 displaying
news and alerts for a consumer. Window 216 includes an alert
portion 217 and a news portion 218. A user can redefine what types
of alerts it receives by selecting "edit" options 217a, 218a on
each respective window. Alert window 217 can include alerts
specified by the user and/or an advisor of the user relating, for
example to any suitable aspect of their finances, health and/or
lifestyle. As depicted, the user has been informed that there has
been a chance in the status of a goal of the user. News window 218
can similarly include news relating to any topic of interest to a
user. The user and or system 100 may specify what news and alerts
the user sees in window 216. Dashboard 210 further includes a
retirement account window 220 showing the types of assets contained
in the user's retirement account. As depicted, dashboard also
includes a goal tracker summary window 222. Goal tracker summary
window 222 can be configured by the user to track whatever goals
that the user may have that appear in goal window 270, described in
detail below. As depicted in FIG. 8, the goal tracker has been
configured to send an alert to the alert window if a change in
status occurs with respect to achieving one of the user's goals. As
depicted in FIG. 8, the user has been informed that there has been
a change in the status of one of their goals, so the user selects
to view the goal window 270.
[0091] As depicted in FIG. 9, the user's goals are depicted in a
goal window 270. The user's goals can include further detail on the
goals appearing in goal tracker summary window 222, as well as
other goals, if desired. In the embodiment of FIG. 9, the goal
window 270 includes a tabbed menu from which the user can select to
view their wealth goals by selecting a wealth goal tracker 272, a
health goal tracker 274 and a net worth tracker 276. A goal index
window 280 is provided disclosing a goal index, to give the user an
indication of his progress in achieving his goals. It will be
appreciated that any financial, wellness, lifestyle or other goals
(e.g., professional, educational, spiritual, scheduling goals and
the like) may be established in goal window 270 and tracked
accordingly. In the particular example depicted in FIG. 9, the user
has been informed that one of his goals will not be met. The system
100 recognizes that the user needs to conserve expenses, and
suggests a recommended wealth strategy in recommendation window 282
by advising the user to explore lowering his insurance costs.
System 100 further directs an advertisement into advertisement
window 278 directed to saving money on car insurance accordingly.
The user then clicks on his health profile 230.
[0092] As depicted in FIG. 10, the user's health profile 230 is
displayed. Health profile 230 includes a summary health profile
window 232 including basic biographical information, health plan
and associated cost information, a drug summary window 234 listing
the medications the user is currently on including refill dates, a
health and wellness index window 236 providing a health risk score
based in part on whether the user has been current in seeking
preventive care, a disease profile window 238 indicating health
conditions the user has as well as a health history summary window
240 listing recent doctor visits. It will be appreciated that any
suitable number of windows directed to any desired topics relating
to be the health of a user may be displayed in health profile 230.
The health profile also includes a submenu 242 from which the user
can select to view more detailed information regarding their
health. In the particular example of FIG. 10, the user elects to
view further details on his current prescriptions by viewing
"Medication Details."
[0093] A Medication Details window 244 is presented in FIG. 11.
Medication details window 244 includes a prescription summary 245
indicating the dosage, quantity, refill dates, and refill and
annual costs for each medication. A total annual medication cost is
presented below summary 245. A medication alerts tab 246 may be
selected by the user to establish alerts relating to the users
prescriptions, or to store alerts relating to pertinent topics,
such as drug interactions. In the example of FIG. 11, the user
deletes Nexium from his list of medications and recomputes his
total annual medication cost. As depicted in FIG. 12, the user then
selects a tools link 247 and selects a health cost calculator 248
to create a projection of his possible future health care costs. As
depicted in FIG. 13, the health cost calculator indicates to the
user that his family's annual household healthcare costs could rise
to about $35,000 by 2045 and that his personal healthcare costs
could be about $47,000 annually when he reaches an age of 90
years.
[0094] As depicted in FIG. 13, system 100 further prompts the user
by supplying information directed to related tools in window 249.
An advertisement in advertisement window 250 reminds the user that
he is due for a medical screening. In accordance with the example
of FIG. 13, we are further informed that the user selects a drug
cost calculator 252 to determine if there are any additional
medication options available to him.
[0095] Drug cost calculator 252 is presented in FIG. 14. As
depicted, the user enters the name, type and dosage of the drug he
wants to research. In response, the drug cost calculator returns an
alternative drug having a much lower cost.
[0096] As depicted in FIG. 14, a drug cost savings calculator is
provided. It will be appreciated by those of skill in the art that
the invention described herein more broadly provides useful
algorithms and methods to support the identification of potential
cost savings for a consumer. By way of further example, in the
insurance context, it may be determined that a consumer could save
money by changing their auto or health insurance. For example,
system 100 could be provided with data relating to past traffic
incidents by user to help them find the most suitable, lowest price
auto insurance, or by providing system 100 with pertinent health
data about the consumer, system could identify potential health
insurance cost savings.
[0097] With further reference to FIG. 14, in response to
discovering a lower cost possible alternative drug, the user
decides to look up the doctor that treats his underlying condition
requiring the medication to give the doctor access to his health
information on system 100. The user begins by selecting the
appropriate tab to view his "Advisors" window 300. System 100 can
also indicate to the user whether any possible replacement drug may
have any potential adverse interactions with other prescriptions or
medicaments that user currently takes. Similarly, information
relating to other health information such as allergies (such as to
medications) as well as other allergies can be entered into and
accounted for by system in making recommendations to the user.
[0098] FIG. 15 depicts the Advisors window 300. As depicted, the
Advisors window 300 lists the user's two designated advisors 302,
304. As depicted, the user has granted his financial advisor access
to login to the user's account to view the user's 401k, IRA and
mutual fund information. The user decides to add his doctor to his
list of advisors, so the user selects "Add" button 306 to add his
doctor. As shown in FIG. 15, similar options exist for adding
another advisor, such as an attorney or accountant. A further
selection field 308 is present to permit the user to select an
additional category of advisor.
[0099] As depicted in FIG. 16, after selecting option 306, the user
is presented with a screen 310 including fields 312 to add a doctor
to the user's list of advisors. The user enters the doctor's name
and then, by selecting a search option 314, searches to determine
if the doctor already has an account on system 100. In response, as
shown in FIG. 17, a result field 316 presents possible matches to
the search request. The user notes that the user's doctor already
has an account, and chooses to add the doctor to the user's list of
advisors, as depicted in FIG. 18. After completing this task, the
user selects the dashboard tab to display the dashboard 210, and,
as shown in FIG. 19, selects the transact tab 320 to view his
online accounts.
[0100] In further accordance with the invention, a machine readable
program on a computer readable medium containing instructions for
controlling a system for managing multiple accounts associated with
a user is provided. For purposes of illustration and not
limitation, the machine readable program is adapted to be read by
processors, for example in framework servers 131 as depicted in
FIG. 1, and preferably comprises a portion of business logic 133.
The computer program may be embodied either in software or in
hardware, such as a memory chip the system 100 for framework
servers 131 to access when needed. Computer program is preferably
embodied in software and run from framework servers 131.
[0101] The computer program may be written using techniques well
known in the art. The computer program in accordance with the
invention has instructions therein for operating a system, such as
system 100 described herein. The program can include, for example,
a first computer code segment for processing a first set of
received information associated with identification of the user.
The first set of information can include a variety of means for
uniquely identifying the user, as described herein. The program
also includes a second computer code segment for identifying a
second set of information in response to the first set of
information, the second set of information relating to a financial
account associated with the user, such as the types of financial
accounts disclosed herein. The program further includes a third
computer code segment for identifying a third set of information in
response to the first set of information, the third set of
information relating to a health account associated with the user.
As with the system of the invention described herein, any one of a
variety of health accounts may be accessed by the program of the
invention. The program also includes a fourth computer code segment
for generating a fourth set of information based upon the second
set of information and the third set of information. The fourth set
of information can comprise, for example, an amalgamation of
financial and health information or a subset thereof, as described
herein. Program also includes a fifth computer code segment for
sending a signal representative of the fourth set of information to
the user or a designee of the user. The signal can be sent in the
form of an actionable message, an alert or the like.
[0102] The computer program provided in accordance with the
invention can accomplish a variety of functions. By way of example,
the computer program can facilitate all functions of system 100
described herein (and similar systems) and may be used to control
the form and function of graphical user interface 200 as embodied
herein.
[0103] All statements herein reciting principles, aspects, and
embodiments of the invention, as well as specific examples thereof,
are intended to encompass both structural and functional
equivalents thereof. Additionally, it is intended that such
equivalents include both currently known equivalents as well as
equivalents developed in the future, i.e., any elements developed
that perform the same function, regardless of structure.
[0104] The block diagrams herein, such as those depicted in FIGS.
1-6, represent conceptual views of illustrative circuitry and
software embodying the principles of the invention. Thus the
functions of the various elements shown in the Figures may be
provided through the use of dedicated hardware as well as hardware
capable of executing software in association with appropriate
software. When provided by a processor, the functions may be
provided by a single dedicated processor, by a single shared
processor, or by a plurality of individual processors, some of
which may be shared. The functions of those various elements may be
implemented by, for example, digital signal processor (DSP)
hardware, network processor, application specific integrated
circuit (ASIC), field programmable gate array (FPGA), read-only
memory (ROM) for storing software, random access memory (RAM), and
non-volatile storage. Other hardware, conventional and/or custom,
may also be included.
[0105] In the claims hereof any element expressed as a means for
performing a specified function is intended to encompass any way of
performing that function including, for example, a) a combination
of circuit elements which performs that function or b) software in
any form, including, therefore, firmware, microcode or the like,
combined with appropriate circuitry for executing that software to
perform the function. The invention as defined by such claims
resides in the fact that the functionalities provided by the
various recited means are combined and brought together in the
manner which the claims call for. Applicants thus regard any means
which can provide those functionalities as equivalent to those
shown herein.
[0106] Similarly, it will be appreciated that the system flows in
the flow charts depicted in FIGS. 4-6, for example, shown herein,
represent various processes which may be substantially represented
in computer-readable medium and so executed by a computer or
processor, whether or not such computer or processor is explicitly
shown. Moreover, in the flowcharts shown herein, the various blocks
can be understood as representing not only processing and/or other
functions but, alternatively, as blocks of program code that carry
out such processing or functions.
[0107] Systems made in accordance with the invention herein can be
constructed, for example, using techniques similar to those
described in copending U.S. patent application titled
"Pay-For-Access Legal Research System With Access To Open Web
Content" bearing Ser. No. 11/422,281, filed Jun. 5, 2006, which is
incorporated by reference herein in its entirety.
[0108] The methods and systems of the present invention, as
described above and shown in the drawings, provide for a method,
system, machine readable program and graphical user interface with
superior functionality that can facilitate the management of
wealth. It will be apparent to those skilled in the art that
various modifications and variations can be made in the embodiments
of the present invention without departing from the spirit or scope
of the invention. Thus, it is intended that the present invention
include modifications and variations that are within the scope of
the appended claims and their equivalents.
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