Method and system for internet banking and financial services
US 20060271465A1
(19) United States (12) Patent Application Publication (10) Pub. No.: US 2006/0271465 A1 (43) Pub. Date:
McNamar et al.
(54)
METHOD AND SYSTEM FOR INTERNET BANKING AND FINANCIAL SERVICES
NOV. 30, 2006
Publication Classi?cation
(51)
(75) Inventors: Richard T. McNamar, Redding, CT
Int. Cl.
G06Q 40/00
(US); Cathleen Noland, New York, NY (US); Joseph J. Rucci JR., New Canaan, CT (US)
(52)
Us. or. .............................................................. ..705/35
(57)
Correspondence Address:
(2006.01)
ABSTRACT
A computer implemented method of providing a client With an integrated ?nancial management account, comprising, receiving application data for an integrated ?nancial man agement account, setting up the integrated ?nancial account With a loan component data, an investment component data,
FOLEY AND LARDNER LLP SUITE 500 3000 K STREET NW
WASHINGTON, DC 20007 (US)
(73) Assignee: CATHLEEN NOLAND
and an insurance component, all associated With an account
(21) Appl. No.:
11/499,761
(22) Filed:
Aug. 7, 2006
?le. Qualifying the client for a loan in the loan component of the integrated ?nancial management account and associ ating the quali?cation information With the account ?le.
Related US. Application Data
Disbursing the proceeds of the loan component into the investment component by recording a proceed value in the
(63)
investment component data associated With the account ?le
Continuation of application No. 09/578,508, ?led on May 26, 2000, noW Pat. No. 7,089,202.
and purchasing investment assets using the proceeds of the loan component and associating purchased investment assets to the investment component data associated With the
(60) Provisional application No. 60/ 136,400, ?led on May 27, 1999.
account ?le.
CLIENT ACCESSES IFMA VIA
HOME PC, LICENSED THIRD PARTIES, INTERNET PORTAL, BANK ATM, TELEPHONE CALL CENTER, DIRECT MAIL RESPONSE, E-MAIL,
FAX, PAGER, WEB-CONNEggSBIIEJ-‘ENTDCOR CELL PHONE, SCREEN I
CLIENT OPENS ACCOUNT VIA INTERNET
110
(SECURED BY
FIREWALL, FOR
EXAMPLE) V
CLIENT MANAGES ACCOUNT COMPONENTS TI
TV
‘I
INVESTMENT FUNDS
/
122
INSURANCE PRODUCTS
/
123
V
T
SECURED CREDITS
OTHER HEV ACCOUNT OPTIONS
12/1
/ 124v
Patent Application Publication Nov. 30, 2006 Sheet 1 0f 29
26 A COMMUNICATIONS ’ ' LINE
12
\‘
INPUT
DEVICE 14
MONITOR
\24 28 /
‘I "J", :\\32 I
V
22
BIOS DRIVER]
"""""
L
16\ OPERATING SYSTEM
SYSTEM MEMORY
FIG. 1
-------------- __
US 2006/0271465 A1
10 13A /
Cgay?ER OTHER COMPUTER \13
Patent Application Publication Nov. 30, 2006 Sheet 2 0f 29
US 2006/0271465 A1
CLIENT ACCESSES IFMA VIA
HOME PC, LICENSED THIRD PARTIES. INTERNET PORTAL, BANK ATM, TELEPHONE CALL CENTER, DIRECT MAIL RESPONSE, E-MAIL, FAX, PAGER, WEB-CONNECTED LAND OR CELL PHONE, SCREEN PHONE, ETC. V
CLIENT OPENS ACCOUNT VIA INTERNET
110
/
(SECURED BY
FIREWALL, FOR
EXAMPLE) II
CLIENT MANAGES
ACCOUNT COMPONENTS II
V
INVESTMENT FUNDS
/
122
SECURED
INSURANCE PRODUCTS
CREDITS
/
/
121
123
FIG. 2
OPTIONS
Patent Application Publication Nov. 30, 2006 Sheet 3 0f 29
CUSTOMER
ACCESSES
US 2006/0271465 A1
/30°
IFMA INTERFACE GENERAL IFMA
INFORMATION
(COMPANYIBANK/ ACCOUNT!
/310
PROCESS) MODULE MORE IFMA
INFORMATION? YES
DISPLAY ACCOUNT
OVERVIEW MENU
3
SELECT OVERVIEW / 30 MENU MODULES
I
FINANCIAL
v
INFORMATION
PR§§§JIENS
IFMA
ACCOUNT
MODULE
O \
335
-
O\
336
FIG. 3
Q
OPEN ACCOUNT
MODULE
O“
337
Patent Application Publication Nov. 30, 2006 Sheet 4 0f 29
US 2006/0271465 A1
@
INFORMATION ON
CIPIPPONPNTTS \340 MODULE T
CHOOSEACCOUNT COMPONENT FOR
DETAILED \341
INFORMATION OR PROJECTIONS V
@9
I
ASSEI
\
COMPONENT 342
LI PPURCHASE I ILI TPES FEI IS
I
SECUREULOAN _\
COMPONENT 349
v
INSURANCE \
I K359
ACCOUNT mm BENT
COMPONENT 354 COMPONENT
INSI I I I I“0N5P PNPI NPNION
AI ISOHMI JE
Asgg‘uéon?m, 365
ISPUIYASSETS'
ASSETS‘ HISTORICAL PEIIFORIIAINE
LOANCUNPONENI
MARGIN OPTIONS
PROJECTIONS HISTORICAL ERFORMANCE
I f'363
NUTOMAIICNARGIN
DISPIAYRETIREIIENT
PLANNING OPTIINIS)
Patent Application Publication Nov. 30, 2006 Sheet 5 0f 29
AUTOMATIC HEV /368 . INCREASE AND
INVESTMENT EXPANDABILITY
EXPLAIN & DISPLAY HEV
INCREASE OPTIONS
FIG. 3B
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 6 0f 29
US 2006/0271465 A1
DISPLAY MENU FOR FINANCIAL PROJECTIONS
40g
MODULE ‘7
SELECT FINANCIAL PROJECTIONS MODULE 402
\
404
r
403\
v
I \
SELECTASSETS FOR PROJECTIONS
SELECT LOAN TERMS FOR PROJECTIONS
INPUT PERSONAL ASSUMPTIONS
I
v
I
‘I
405
CALCULATE ACCOUNT / PERFORMANCE
I CALCULATE ACCOUNT /406
PERFORMANCE WITHOUT AUTOMATIC MARGIN LOAN DISPLAY ACCOUNT PERFORMANCE WITH AND WITHOUT MARGIN LOANS
Patent Application Publication Nov. 30, 2006 Sheet 7 0f 29
RETAIN MARGIN LOAN OPTION IN PROJECTIONS?
II
CALCULATE ACCOUNT
PERFORMANCE WITH /410 AUTOMATIC EXPANSION
DISPLAYACCOUNT WITH AUTOMATIC EXPANSION
RETAIN AUTOMATIC EXPANSION IN PROJECTIONS?
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 8 0f 29
Q9
CALCULATE ACCOUNT /4‘I 4 WITH AND WITHOUT
OPTIONAL LIFE INSURANCE
DISPLAYIEXPLAIN PORTFOLIO INSURANCE FEATURE CALCULATE ACCOUNT
WITH AND WITHOUT / PORTFOLIO INSURANCE
ACCEPT PORTFOLIO INSURANCE OPTION? YES
———NO
FIG. 4C
420
DISPLAY ACCOUNT PERFORMANCE OPTION
418
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 9 0f 29
DISPLAY? EXPLAIN RETIREMENT PLANNING OPTION
CALCULATE ACCOUNT 422 WITHAND WITHOUT / RETIREMENT PLANING OPTION
WANT
RETIREMENT PLANNING OPTION ? YES
424
I ISPLAY ACCOUNT
FIG. 4D
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 10 0f 29
US 2006/0271465 A1
DULE
431A “
CALCULATH
CLOSEACCESS
DISPLAYACCOUNT
SESSIONS
WITH NEW
1132A
YES
STORE SELECHONS
TRANSFER SELECTIONS TO OPEN ACCOUNT MODULE
Q5 FIG. 4E
Patent Application Publication Nov. 30, 2006 Sheet 11 0f 29
US 2006/0271465 A1
@ DISPLAY PRIVACY& /500 COMPUTER SECURITY FEATURES
4 INSTITUTE CUSTOM /501
PRIVACYAND SECURITY FEATURES
4 ENTER SECURE /502 FIREWALLED INTRANET
i COMPLETE CUSTOMER
/
503
@———~ APPLICATION PERSONALWITH ._® INFORMATION
i
@ FIG. 5A
Patent Application Publication Nov. 30, 2006 Sheet 12 0f 29
US 2006/0271465 A1
@
OPEN NEWACCOUNT
INPUTPERSONAL /504 DATA, ASSIGN NUMBER, ETC.
DISPLAY ASSET PURCHASE OPTIONS
505 506
T
SELECTABSESET(S)TO
s01
PROCESSED V V
ii
ASSET FUND 1
ASSET FUND 2
T
V
i -
V
T v
PURCHASE ASSET /
508
FUND(S) SELECTED
DISPLAY CURRENT ACCOUNT STATUS
FIG. 5B
ASSET FUND m
509
Patent Application Publication Nov. 30, 2006 Sheet 13 0f 29
DISPLAY/PRINT AUTOMATIC MARGIN LOAN OPTION 510
ACCEPT OPTION YES
DISPLAY REVISED CUSTOMER ACCOUNT
CALCULATE ACCOUNTS /512 INITIALINSURANCE COVERAGE
DISPLAYACCOUNT STATUS
514
CALCULATE & DISPLAY INITIAL AUTOMATIC LIFE
515
INSURANCE I
DESCRIBE&
I /516
CALCULATE ADDITIONAL LIFE INSURANCE OPTION
DISPLAY ADDITIONAL LIFE INSURANCE OPTION
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 14 0f 29
DISPLAY CUSTOMER ACCOUNT WITHOUT OPTIONAL LIFE INSURANE
DESCRIBE & CALCULATE OPTIONAL PORTFOLIO INSURANCE OPTION
DISPLAYACCOUNT WITHOUT OPTIONAL PORTFOLIO INSURANCE
ISPLAYACCOUNT
I
DESCRIBE & CALCULATE / 525 RETIREMENT PLANNING OPTIONS l
@ HGSD
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 15 0f 29
DISPLAY ACCOUNT WITH ALL CHOSEN RETIREMENT PLANNING OPTIQNS
APPLY FOR
CHOSEN CARD
FIG. 5E
/
532
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 16 0f 29
US 2006/0271465 A1
DISPLAY BENCHMARK FLAGS AVAILABLE FORASSET
FUND(S) SELECT ASSET
535
BENCHMARK FLAGS
I
/
I
I
I
I
NO BENCHMARK
BENCHMARK 1
BENCHMARK 2
BENCHMARK n
I
I
I
I
DISPLAY ASSET
BENCHMARK NOTIFICATION ALTERNATIVES SELECT BENCHMARK
NOTIFICATION
ALTERNATIVES I
/537
53a
/
I
I
I
I
N0 METHOD
METHOD 1
METHOD 2
METHOD n
I
I
I
I
I
SET BENCHMARKAND /539 NOTIFICATION METHOD(S) DISPLAY CURRENT ACCOUNT STATUS
Patent Application Publication Nov. 30, 2006 Sheet 17 0f 29
US 2006/0271465 A1
@ SECURED LOAN
/541
COMPONENT DISPLAY LOAN TERMS & INTEREST PAYMENT OPTIONS
REQUEST LOAN 543 PROJECTIONS FOR / TERM SELECTED & PAYMENT OPTIONS
546
/ SELECT OTHER
LOAN TERMS FOR
PROJECTION?
YES
FIG. 56
NO ->
CONTlNUE LOAN
PROCESS
Patent Application Publication Nov. 30, 2006 Sheet 18 0f 29
US 2006/0271465 A1
; SELECT SECURED
CREDIT OPTIONIS) /
549 54a
V/
I
I
I
OPTION 1
OPTION 2
OPTION m
I
v
I
V
DISPLAY SECURED CREDIT
SECURED CREDIT BENCHMARK FLAGS SELECT SECURED
CREDIT BENCHMARK / T
I
N0 BENCHMARK BENCHMARK1
I
552
P53
v
I
BENCHMARKZ
BENCHMARKm
v
I
V
Patent Application Publication Nov. 30, 2006 Sheet 19 0f 29
US 2006/0271465 A1
DISPLAY SECURED CREDIT BENCHMARK NOTIFICATION ALTERNATIVES
CEEEEEHED» 5 5s NOTIFICATION / ALTERNATTVES
556
/
‘F
v
T
METHOD1
METHOD2
METHODn
T
J V
SETSECUREDCREDIT /557 BENCHMARK&
NOTIFICATION METHOD 558
559
/ FUND INVESTMENT
PURCHASE l
560
APPLY FOR SECURED /600
CREDITSELECTED SCREENA CREDIT HISTORY 6A .
CONTD
FIG. 6A
/601
PURCHASE INVESTMENT \ ASSETS PERUSER SELECTION
FIG- 5|
(19) United States (12) Patent Application Publication (10) Pub. No.: US 2006/0271465 A1 (43) Pub. Date:
McNamar et al.
(54)
METHOD AND SYSTEM FOR INTERNET BANKING AND FINANCIAL SERVICES
NOV. 30, 2006
Publication Classi?cation
(51)
(75) Inventors: Richard T. McNamar, Redding, CT
Int. Cl.
G06Q 40/00
(US); Cathleen Noland, New York, NY (US); Joseph J. Rucci JR., New Canaan, CT (US)
(52)
Us. or. .............................................................. ..705/35
(57)
Correspondence Address:
(2006.01)
ABSTRACT
A computer implemented method of providing a client With an integrated ?nancial management account, comprising, receiving application data for an integrated ?nancial man agement account, setting up the integrated ?nancial account With a loan component data, an investment component data,
FOLEY AND LARDNER LLP SUITE 500 3000 K STREET NW
WASHINGTON, DC 20007 (US)
(73) Assignee: CATHLEEN NOLAND
and an insurance component, all associated With an account
(21) Appl. No.:
11/499,761
(22) Filed:
Aug. 7, 2006
?le. Qualifying the client for a loan in the loan component of the integrated ?nancial management account and associ ating the quali?cation information With the account ?le.
Related US. Application Data
Disbursing the proceeds of the loan component into the investment component by recording a proceed value in the
(63)
investment component data associated With the account ?le
Continuation of application No. 09/578,508, ?led on May 26, 2000, noW Pat. No. 7,089,202.
and purchasing investment assets using the proceeds of the loan component and associating purchased investment assets to the investment component data associated With the
(60) Provisional application No. 60/ 136,400, ?led on May 27, 1999.
account ?le.
CLIENT ACCESSES IFMA VIA
HOME PC, LICENSED THIRD PARTIES, INTERNET PORTAL, BANK ATM, TELEPHONE CALL CENTER, DIRECT MAIL RESPONSE, E-MAIL,
FAX, PAGER, WEB-CONNEggSBIIEJ-‘ENTDCOR CELL PHONE, SCREEN I
CLIENT OPENS ACCOUNT VIA INTERNET
110
(SECURED BY
FIREWALL, FOR
EXAMPLE) V
CLIENT MANAGES ACCOUNT COMPONENTS TI
TV
‘I
INVESTMENT FUNDS
/
122
INSURANCE PRODUCTS
/
123
V
T
SECURED CREDITS
OTHER HEV ACCOUNT OPTIONS
12/1
/ 124v
Patent Application Publication Nov. 30, 2006 Sheet 1 0f 29
26 A COMMUNICATIONS ’ ' LINE
12
\‘
INPUT
DEVICE 14
MONITOR
\24 28 /
‘I "J", :\\32 I
V
22
BIOS DRIVER]
"""""
L
16\ OPERATING SYSTEM
SYSTEM MEMORY
FIG. 1
-------------- __
US 2006/0271465 A1
10 13A /
Cgay?ER OTHER COMPUTER \13
Patent Application Publication Nov. 30, 2006 Sheet 2 0f 29
US 2006/0271465 A1
CLIENT ACCESSES IFMA VIA
HOME PC, LICENSED THIRD PARTIES. INTERNET PORTAL, BANK ATM, TELEPHONE CALL CENTER, DIRECT MAIL RESPONSE, E-MAIL, FAX, PAGER, WEB-CONNECTED LAND OR CELL PHONE, SCREEN PHONE, ETC. V
CLIENT OPENS ACCOUNT VIA INTERNET
110
/
(SECURED BY
FIREWALL, FOR
EXAMPLE) II
CLIENT MANAGES
ACCOUNT COMPONENTS II
V
INVESTMENT FUNDS
/
122
SECURED
INSURANCE PRODUCTS
CREDITS
/
/
121
123
FIG. 2
OPTIONS
Patent Application Publication Nov. 30, 2006 Sheet 3 0f 29
CUSTOMER
ACCESSES
US 2006/0271465 A1
/30°
IFMA INTERFACE GENERAL IFMA
INFORMATION
(COMPANYIBANK/ ACCOUNT!
/310
PROCESS) MODULE MORE IFMA
INFORMATION? YES
DISPLAY ACCOUNT
OVERVIEW MENU
3
SELECT OVERVIEW / 30 MENU MODULES
I
FINANCIAL
v
INFORMATION
PR§§§JIENS
IFMA
ACCOUNT
MODULE
O \
335
-
O\
336
FIG. 3
Q
OPEN ACCOUNT
MODULE
O“
337
Patent Application Publication Nov. 30, 2006 Sheet 4 0f 29
US 2006/0271465 A1
@
INFORMATION ON
CIPIPPONPNTTS \340 MODULE T
CHOOSEACCOUNT COMPONENT FOR
DETAILED \341
INFORMATION OR PROJECTIONS V
@9
I
ASSEI
\
COMPONENT 342
LI PPURCHASE I ILI TPES FEI IS
I
SECUREULOAN _\
COMPONENT 349
v
INSURANCE \
I K359
ACCOUNT mm BENT
COMPONENT 354 COMPONENT
INSI I I I I“0N5P PNPI NPNION
AI ISOHMI JE
Asgg‘uéon?m, 365
ISPUIYASSETS'
ASSETS‘ HISTORICAL PEIIFORIIAINE
LOANCUNPONENI
MARGIN OPTIONS
PROJECTIONS HISTORICAL ERFORMANCE
I f'363
NUTOMAIICNARGIN
DISPIAYRETIREIIENT
PLANNING OPTIINIS)
Patent Application Publication Nov. 30, 2006 Sheet 5 0f 29
AUTOMATIC HEV /368 . INCREASE AND
INVESTMENT EXPANDABILITY
EXPLAIN & DISPLAY HEV
INCREASE OPTIONS
FIG. 3B
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 6 0f 29
US 2006/0271465 A1
DISPLAY MENU FOR FINANCIAL PROJECTIONS
40g
MODULE ‘7
SELECT FINANCIAL PROJECTIONS MODULE 402
\
404
r
403\
v
I \
SELECTASSETS FOR PROJECTIONS
SELECT LOAN TERMS FOR PROJECTIONS
INPUT PERSONAL ASSUMPTIONS
I
v
I
‘I
405
CALCULATE ACCOUNT / PERFORMANCE
I CALCULATE ACCOUNT /406
PERFORMANCE WITHOUT AUTOMATIC MARGIN LOAN DISPLAY ACCOUNT PERFORMANCE WITH AND WITHOUT MARGIN LOANS
Patent Application Publication Nov. 30, 2006 Sheet 7 0f 29
RETAIN MARGIN LOAN OPTION IN PROJECTIONS?
II
CALCULATE ACCOUNT
PERFORMANCE WITH /410 AUTOMATIC EXPANSION
DISPLAYACCOUNT WITH AUTOMATIC EXPANSION
RETAIN AUTOMATIC EXPANSION IN PROJECTIONS?
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 8 0f 29
Q9
CALCULATE ACCOUNT /4‘I 4 WITH AND WITHOUT
OPTIONAL LIFE INSURANCE
DISPLAYIEXPLAIN PORTFOLIO INSURANCE FEATURE CALCULATE ACCOUNT
WITH AND WITHOUT / PORTFOLIO INSURANCE
ACCEPT PORTFOLIO INSURANCE OPTION? YES
———NO
FIG. 4C
420
DISPLAY ACCOUNT PERFORMANCE OPTION
418
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 9 0f 29
DISPLAY? EXPLAIN RETIREMENT PLANNING OPTION
CALCULATE ACCOUNT 422 WITHAND WITHOUT / RETIREMENT PLANING OPTION
WANT
RETIREMENT PLANNING OPTION ? YES
424
I ISPLAY ACCOUNT
FIG. 4D
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 10 0f 29
US 2006/0271465 A1
DULE
431A “
CALCULATH
CLOSEACCESS
DISPLAYACCOUNT
SESSIONS
WITH NEW
1132A
YES
STORE SELECHONS
TRANSFER SELECTIONS TO OPEN ACCOUNT MODULE
Q5 FIG. 4E
Patent Application Publication Nov. 30, 2006 Sheet 11 0f 29
US 2006/0271465 A1
@ DISPLAY PRIVACY& /500 COMPUTER SECURITY FEATURES
4 INSTITUTE CUSTOM /501
PRIVACYAND SECURITY FEATURES
4 ENTER SECURE /502 FIREWALLED INTRANET
i COMPLETE CUSTOMER
/
503
@———~ APPLICATION PERSONALWITH ._® INFORMATION
i
@ FIG. 5A
Patent Application Publication Nov. 30, 2006 Sheet 12 0f 29
US 2006/0271465 A1
@
OPEN NEWACCOUNT
INPUTPERSONAL /504 DATA, ASSIGN NUMBER, ETC.
DISPLAY ASSET PURCHASE OPTIONS
505 506
T
SELECTABSESET(S)TO
s01
PROCESSED V V
ii
ASSET FUND 1
ASSET FUND 2
T
V
i -
V
T v
PURCHASE ASSET /
508
FUND(S) SELECTED
DISPLAY CURRENT ACCOUNT STATUS
FIG. 5B
ASSET FUND m
509
Patent Application Publication Nov. 30, 2006 Sheet 13 0f 29
DISPLAY/PRINT AUTOMATIC MARGIN LOAN OPTION 510
ACCEPT OPTION YES
DISPLAY REVISED CUSTOMER ACCOUNT
CALCULATE ACCOUNTS /512 INITIALINSURANCE COVERAGE
DISPLAYACCOUNT STATUS
514
CALCULATE & DISPLAY INITIAL AUTOMATIC LIFE
515
INSURANCE I
DESCRIBE&
I /516
CALCULATE ADDITIONAL LIFE INSURANCE OPTION
DISPLAY ADDITIONAL LIFE INSURANCE OPTION
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 14 0f 29
DISPLAY CUSTOMER ACCOUNT WITHOUT OPTIONAL LIFE INSURANE
DESCRIBE & CALCULATE OPTIONAL PORTFOLIO INSURANCE OPTION
DISPLAYACCOUNT WITHOUT OPTIONAL PORTFOLIO INSURANCE
ISPLAYACCOUNT
I
DESCRIBE & CALCULATE / 525 RETIREMENT PLANNING OPTIONS l
@ HGSD
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 15 0f 29
DISPLAY ACCOUNT WITH ALL CHOSEN RETIREMENT PLANNING OPTIQNS
APPLY FOR
CHOSEN CARD
FIG. 5E
/
532
US 2006/0271465 A1
Patent Application Publication Nov. 30, 2006 Sheet 16 0f 29
US 2006/0271465 A1
DISPLAY BENCHMARK FLAGS AVAILABLE FORASSET
FUND(S) SELECT ASSET
535
BENCHMARK FLAGS
I
/
I
I
I
I
NO BENCHMARK
BENCHMARK 1
BENCHMARK 2
BENCHMARK n
I
I
I
I
DISPLAY ASSET
BENCHMARK NOTIFICATION ALTERNATIVES SELECT BENCHMARK
NOTIFICATION
ALTERNATIVES I
/537
53a
/
I
I
I
I
N0 METHOD
METHOD 1
METHOD 2
METHOD n
I
I
I
I
I
SET BENCHMARKAND /539 NOTIFICATION METHOD(S) DISPLAY CURRENT ACCOUNT STATUS
Patent Application Publication Nov. 30, 2006 Sheet 17 0f 29
US 2006/0271465 A1
@ SECURED LOAN
/541
COMPONENT DISPLAY LOAN TERMS & INTEREST PAYMENT OPTIONS
REQUEST LOAN 543 PROJECTIONS FOR / TERM SELECTED & PAYMENT OPTIONS
546
/ SELECT OTHER
LOAN TERMS FOR
PROJECTION?
YES
FIG. 56
NO ->
CONTlNUE LOAN
PROCESS
Patent Application Publication Nov. 30, 2006 Sheet 18 0f 29
US 2006/0271465 A1
; SELECT SECURED
CREDIT OPTIONIS) /
549 54a
V/
I
I
I
OPTION 1
OPTION 2
OPTION m
I
v
I
V
DISPLAY SECURED CREDIT
SECURED CREDIT BENCHMARK FLAGS SELECT SECURED
CREDIT BENCHMARK / T
I
N0 BENCHMARK BENCHMARK1
I
552
P53
v
I
BENCHMARKZ
BENCHMARKm
v
I
V
Patent Application Publication Nov. 30, 2006 Sheet 19 0f 29
US 2006/0271465 A1
DISPLAY SECURED CREDIT BENCHMARK NOTIFICATION ALTERNATIVES
CEEEEEHED» 5 5s NOTIFICATION / ALTERNATTVES
556
/
‘F
v
T
METHOD1
METHOD2
METHODn
T
J V
SETSECUREDCREDIT /557 BENCHMARK&
NOTIFICATION METHOD 558
559
/ FUND INVESTMENT
PURCHASE l
560
APPLY FOR SECURED /600
CREDITSELECTED SCREENA CREDIT HISTORY 6A .
CONTD
FIG. 6A
/601
PURCHASE INVESTMENT \ ASSETS PERUSER SELECTION
FIG- 5|
