Financial management system and method with debt management
(12) United States Patent
(10) Patent N0.:
Diggdon et a]. (54)
(45) Date of Patent:
May 6, 2014
FINANCIAL MANAGEMENT SYSTEM AND
USPC ........................................ .. 705/30, 35, 38, 39
METHOD WITH DEBT MANAGEMENT
See application ?le for complete search history.
(75) Inventors: Andrew J. Diggdon, Oakland, CA (US); John Maher, Fairfax, CA (US); Karen Lynne Moore, Vacaville, CA (US); Yon Wing Lee, San Francisco, CA (US);
(56)
References Cited U'S' PATENT DOCUMENTS 4,346,442 A 8/1982 Musmanno
Brian Paul McMahon, Berkeley, CA
4,376,978 A
(Us) (73) Assignee: \Cvinglgargo Bank, N.A., San Fransisco, (*)
US 8,719,132 B1
Notice:
3/1983 Musmanno
(Continued) FOREIGN PATENT DOCUMENTS
Subject to any disclaimer, the term of this
CA
2648583
EP
1 081 664
patent is extended or adjusted under 35
4/2007
3/2001
(Continued)
U.S.C. 154(b) by 0 days. OTHER PUBLICATIONS (21)
Appl.No.:
13/612,703
_
(22)
Filed:
Sep. 12, 2012
.
.
.
.
PR NewsW1re; “Credit Counseling Reduces Financial Stress”;
Thursday, APL 18, 2002; PP 1-2~*
(Continued) Related US. Application Data .
(62)
_
_
_
_
Primary Examiner * Ella Colbert
DiVision of application No. 12/871,768, ?led on Aug. 30, 2010.
(74) Attorney, Agent, or Firm * Foley & Lardner LLP
(60) Provisional application No. 61/238,567, ?led on Aug. 31, 2009(51)
(52)
(57) ABSTRACT A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device to manage accounts respectively associ ated With a plurality of users, and interface logic coupled to the account management logic and the data storage device to connect the data processing system to computing systems associated With the plurality of users by way of the lntemet,
Int“ C1“
G06Q 40/00
(201201)
G06Q 20/00 G06Q 20/10 G06Q 20/14
(201201) (201201) (201201)
G06Q 20/08 G06Q 40/02
(201201) (201201)
U-s- C1-
the interface logic providing the users With web access to an on-line banking area of a website of a ?nancial institution, the
CPC -------------- ~~ G06Q 2 0/00 (2013-01); G06Q 20/10
(2013-01); G06Q 20/14 (201301); G06Q
interface logic further con?gured to establish a connection
20/085 (201301); G06Q 20/102 (201301);
(58)
With one of the users and provide the user With a user inter
G06Q 40/025 (2013-01); G06Q 40/02 (2013-01)
face. The user interface may be customizable based on inputs
USPC ................................ .. 705/35; 705/38; 705/39
received from the user to provide selected ones Of display
Field of Classi?cation Search
modules,
CPC
G06Q 20/10; G06Q 20/14; G06Q 20/085; G06Q 40/02; G06Q 40/025
15 Claims, 18 Drawing Sheets
sm OFF HOME LOCATKJNS CONTACT us ?ONLIIE sawrm Gunman: m —
—
,- 700
m M TRANSFERS mm ACCOUNT SERVICES FINAN E MA
ER MESSIlGES 1'1 ALERTS Hm
I m-i i ll?w moms mom auuarr wmu r-HNANQ MANAGER OVERVlEW
lllinm ESTATE VERSlON
702
l
vmsmn
1
c
mm in THE mm: m usH FLow r716
r- 704
OTDDAV'S BAMNCI l5 $5500.03 use 5,20% $511
115"
: SHEET SAVWSS INJUIIT
:
729
730
: W
:
.
m mom R r 710/746 r" 14 OTHER 081m Mngngm/na P i u" - ' :1 nan srzm 10 DATE
mkwms iimwws um
74 [-
:
$1070.00 mm
L w OCT'D8 sum BUDEI
5
MW in 742
10011 Is Me 05, zone
35%
f—
:
. " 714
74B
l 74
r~708
ODEBT INCREBE OF $249.50 THE MONTH
.
=lg
722
.
)” 706 um momma r730
ARDS ML GOALS 728
-
SHE] INJUNT
,.
r724 ID i ' "l ' -
;
$0 1 718 4%
72°
E‘
754 749
11:1 . .............. .
752 ............... ..
=
US 8,719,132 B1 Page 2 (56)
References Cited
U_S_ PATENT DQCUMENTS
2007/0156552 A1*
7/2007 Manganiello ................. .. 705/35
2007/0156554 A1*
7/2007 Nikoley et a1. ............... .. 705/35
2007/0250427 2007/0260532 2008/0033876 2008/0114703 2008/0245854
A1 A1 A1 A1 A1
10/2007 11/2007 2/2008 5/2008 10/2008
Robinson Blake, 111 Goldman et al. Dahlberg et al. Monden
4,597,046 A 4,774,663 A 5,193,055 A
6/1986 Musmanno et al‘ 9/1988 Musmanno et al‘ 3/1993 Brown et a1,
5,547,226 A
8/1996 WentWOI-th
2009/0030819 A1 *
l/2009 VanLeeuwen ................ .. 705/30
5,710,889 A
1/1998 Clark et 31‘
2009/0094170 A1
4/2009 Mohn
2010/0094740 A1 2010/0100469 A1
4/2010 Richter 4/2010 Buchanan et a1.
5,826,243 5,890,140 5,933,816 5,940,809
A A A A
10/1998 3/1999 8/1999 8/1999
6,012,043 A 6,058,378 6,073,119 6,173,270 6,324,523 6,332,126 6,341,353 6,349,290
Musmanno et a1, Clark et 31‘ Zeanah et a1. Musmanno et a1.
A A B1 B1 B1 B1 B1
5/2000 6/2000 1/2001 11/2001 12/2001 1/2002 2/2002
Clark etal. Bornemisza-Wahr et al. Cristo?ch et al. Killeen et a1. Peirce et a1. Herman et a1. Horowitz et a1.
6,385,652 B1
SZZOOZ Brown et al
6,430,542
B1
8 2002
6,431,439 6,697,824 7,050,997 7,240,028 7,451,134 7,571,125
B1 B1 B1 B1 B2 B2
8/2002 2/2004 5/2006 7/2007 11/2008 8/2009
7’584’107 B2 7,599,865
FOREIGN PATENT DOCUMENTS
1/2000 Albright et a1.
7,788,146 B2
10/2009
1 107 149 1 143 362 WO_89/1113() WO_()2/()99576
6/2001 10/2001 11/1939 12/2002
OTHER PUBLICATIONS
Romney, Marshall and Callister, Richard; “Easy Money:
Moran
-
Suer et 31‘ Bowman_Amuah wood, Jr, Rugge Krakowiecki er a1~ Coyle
9/2009 Lelsure et al'
B2 *
7,752,102 B2 *
EP EP WO WO
-
8/2010 Mccmhy, Jr,
-
-
-
>>.
Gaizauskas, et al. Coupling Information Retrieval and Information
Hahn et a1. .................... .. 705/30
7/2010 Thomas ““““““““““““ N 70565
-
QuickBooks Pro 4.0 & Quicken Financial*Suite for Windows , New Accountant, V. 11, I17; Apr. 1996,1313. 1-5. Of?ceAction on U.S.Appl.No. 12/871,768,mail date Oct. 24,2012, 14 pages. U.S. Appl. N0. 12/268,044, ?led Nov. 10, 2008, Krakowiecki et a1. U.S. Appl. NO. 12/324,581, ?led Nov. 26, 2008, Krakowiecki et a1. .
.
.
Extraction: A New Text Technology for Gathering Information from
the Web. 1997. Proceedings of RIAO 97: computer-Ass1sted Infor
7,831,511 B1 *
11/2010 Akin et al. .................... .. 705/40
mation Searching on the Internet. Montreal, Canada, 15 pages.
7,962,394 B2 8,036,984 B2 8’121’943 B2
6/2011 Wagner 10/2011 ElteTICh 2000 Elterwh.
http:///web.intuit.com/support/quicken/2000/mac/2226.html. Rec onciling Online Bank Accounts, last modi?ed Jul. 25, 2003, 2 pages. http://www.fremontbank.com/personalibanking/pam/pam.htrn.
.
8,170,932 B1
5/2012 Krakow1ecki et al.
8,266,034 B1*
9/2012
8,332,297 B1 2001/0011242 A1 2002/0069170 A1
Butcher, III ............... .. 705/36 R
P
1A ergo“
tM mun
?l d. U S A wager,
e
In
'
'
IN PP '
12624 637 ?l d 0'
l
l
e
12/2012 Claus et al. 8/2001 Allex et 31, 6/2002 Rizzo et al.
Man 16, 2009’ 2 Pages~ http://wwwwellsfargocom Account Management, ?led in US. Appl. No. 12/324,637, ?led Mar. 16, 2009, 2 pages.
2002/0091635 A1
7/2002 Dilip er al~
Of?ceAction onU.S.Appl.No. 12/871,761,mai1 date May25, 2012,
2002/0095651 A1
7/2002 Kumar et a1.
20 pages,
2002/0123949 A1
9/2002
VanLeeuwen
-
-
2002/0174006 A1
11/2002 Rugge et 31‘
gillisctiononU.S.Appl.No. 12/871,761,maildateNov. 25, 2011,
gggggég?g? 2}
ligggg glgaif? 31'
Final Of?ce Action OH US. Appl. N0. 12/871,768, mail date Apr. 25,
2003/0009402 A1
1/2003 Mullen et a1.
2013, l6 Pages~
2003/0018550 A1 2003/0018557 A1 2003/0061132 A1
1/2003 Rotman et al‘ 1/2003 Gilbert et al. 3/ 2003 Yu et 31,
Non-Final Of?ce ACthH on US. Appl. N0. l3/6l2,720, mail date Am 24, 2013, 12 PageS~ Business Wire; “Yahoo! Offers Personalized Financial Management
_
_
2003/0097331 A1
5/2003 Cohen
Solution: Yahoo! Finance Money Manager Automatically Tracks,
2003/0101131 A1
5/2003 Warren et al.
Analyzes and Manages Consumers ‘Personal Finances for Free’”
6/2004 Saylors et a1. ................ .. 705/40
Dec, 6, 2001; 3 pages,
2004/0111370 A1*
2004/0236678 A1 2004/0243508 A1*
11/2004 Johns et 4
Final Of?ceAction 0n U.S.Appl. NO. 13/612,673, mail dateNov. 20,
12/2004
2013 14 pages
Samson et a1. ................ .. 705/38
*
’
'
2222;225:222 21* 243222 giTPonough 5:88:81;et ............. 31' .1282;
Notice ofAllowance on US. Appl. No. 12/871,761, mail date Sep.
2005/0283418 A1*
12/2005 Thornborough et a1. ..... .. 705/35
24, 2013, 11 PageS~
2006/0247987 A1
11/2006 Busch et a1.
2006/0249568 A1
11/2006 Scanlon
* cited by examiner
US. Patent
May 6, 2014
US 8,719,132 B1
Sheet 2 0f 18
FINANCIAL PLANNING LOGIC TRANSFER LOGIC 138 SAVINGS PLANNING LOGIC
140 BILL PAYMENT LOGIC
141 144
BUDGETING LOGIC
142 CHECK LOGIC 143 SPENDING LOGIC 145 RETIREMENT PLANNING LOGIC 146
DEBT MANAGEMENT LOGIC \ 148
FIG. 2
CASH FLOW PLANNING LOGIC
US. Patent
May 6, 2014
US 8,719,132 B1
Sheet 5 0f 18
A
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US. Patent
May 6, 2014
US 8,719,132 B1
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May 6, 2014
US 8,719,132 B1
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May 6, 2014
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$55$@2%w“a
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$6I\ugzs
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(10) Patent N0.:
Diggdon et a]. (54)
(45) Date of Patent:
May 6, 2014
FINANCIAL MANAGEMENT SYSTEM AND
USPC ........................................ .. 705/30, 35, 38, 39
METHOD WITH DEBT MANAGEMENT
See application ?le for complete search history.
(75) Inventors: Andrew J. Diggdon, Oakland, CA (US); John Maher, Fairfax, CA (US); Karen Lynne Moore, Vacaville, CA (US); Yon Wing Lee, San Francisco, CA (US);
(56)
References Cited U'S' PATENT DOCUMENTS 4,346,442 A 8/1982 Musmanno
Brian Paul McMahon, Berkeley, CA
4,376,978 A
(Us) (73) Assignee: \Cvinglgargo Bank, N.A., San Fransisco, (*)
US 8,719,132 B1
Notice:
3/1983 Musmanno
(Continued) FOREIGN PATENT DOCUMENTS
Subject to any disclaimer, the term of this
CA
2648583
EP
1 081 664
patent is extended or adjusted under 35
4/2007
3/2001
(Continued)
U.S.C. 154(b) by 0 days. OTHER PUBLICATIONS (21)
Appl.No.:
13/612,703
_
(22)
Filed:
Sep. 12, 2012
.
.
.
.
PR NewsW1re; “Credit Counseling Reduces Financial Stress”;
Thursday, APL 18, 2002; PP 1-2~*
(Continued) Related US. Application Data .
(62)
_
_
_
_
Primary Examiner * Ella Colbert
DiVision of application No. 12/871,768, ?led on Aug. 30, 2010.
(74) Attorney, Agent, or Firm * Foley & Lardner LLP
(60) Provisional application No. 61/238,567, ?led on Aug. 31, 2009(51)
(52)
(57) ABSTRACT A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device to manage accounts respectively associ ated With a plurality of users, and interface logic coupled to the account management logic and the data storage device to connect the data processing system to computing systems associated With the plurality of users by way of the lntemet,
Int“ C1“
G06Q 40/00
(201201)
G06Q 20/00 G06Q 20/10 G06Q 20/14
(201201) (201201) (201201)
G06Q 20/08 G06Q 40/02
(201201) (201201)
U-s- C1-
the interface logic providing the users With web access to an on-line banking area of a website of a ?nancial institution, the
CPC -------------- ~~ G06Q 2 0/00 (2013-01); G06Q 20/10
(2013-01); G06Q 20/14 (201301); G06Q
interface logic further con?gured to establish a connection
20/085 (201301); G06Q 20/102 (201301);
(58)
With one of the users and provide the user With a user inter
G06Q 40/025 (2013-01); G06Q 40/02 (2013-01)
face. The user interface may be customizable based on inputs
USPC ................................ .. 705/35; 705/38; 705/39
received from the user to provide selected ones Of display
Field of Classi?cation Search
modules,
CPC
G06Q 20/10; G06Q 20/14; G06Q 20/085; G06Q 40/02; G06Q 40/025
15 Claims, 18 Drawing Sheets
sm OFF HOME LOCATKJNS CONTACT us ?ONLIIE sawrm Gunman: m —
—
,- 700
m M TRANSFERS mm ACCOUNT SERVICES FINAN E MA
ER MESSIlGES 1'1 ALERTS Hm
I m-i i ll?w moms mom auuarr wmu r-HNANQ MANAGER OVERVlEW
lllinm ESTATE VERSlON
702
l
vmsmn
1
c
mm in THE mm: m usH FLow r716
r- 704
OTDDAV'S BAMNCI l5 $5500.03 use 5,20% $511
115"
: SHEET SAVWSS INJUIIT
:
729
730
: W
:
.
m mom R r 710/746 r" 14 OTHER 081m Mngngm/na P i u" - ' :1 nan srzm 10 DATE
mkwms iimwws um
74 [-
:
$1070.00 mm
L w OCT'D8 sum BUDEI
5
MW in 742
10011 Is Me 05, zone
35%
f—
:
. " 714
74B
l 74
r~708
ODEBT INCREBE OF $249.50 THE MONTH
.
=lg
722
.
)” 706 um momma r730
ARDS ML GOALS 728
-
SHE] INJUNT
,.
r724 ID i ' "l ' -
;
$0 1 718 4%
72°
E‘
754 749
11:1 . .............. .
752 ............... ..
=
US 8,719,132 B1 Page 2 (56)
References Cited
U_S_ PATENT DQCUMENTS
2007/0156552 A1*
7/2007 Manganiello ................. .. 705/35
2007/0156554 A1*
7/2007 Nikoley et a1. ............... .. 705/35
2007/0250427 2007/0260532 2008/0033876 2008/0114703 2008/0245854
A1 A1 A1 A1 A1
10/2007 11/2007 2/2008 5/2008 10/2008
Robinson Blake, 111 Goldman et al. Dahlberg et al. Monden
4,597,046 A 4,774,663 A 5,193,055 A
6/1986 Musmanno et al‘ 9/1988 Musmanno et al‘ 3/1993 Brown et a1,
5,547,226 A
8/1996 WentWOI-th
2009/0030819 A1 *
l/2009 VanLeeuwen ................ .. 705/30
5,710,889 A
1/1998 Clark et 31‘
2009/0094170 A1
4/2009 Mohn
2010/0094740 A1 2010/0100469 A1
4/2010 Richter 4/2010 Buchanan et a1.
5,826,243 5,890,140 5,933,816 5,940,809
A A A A
10/1998 3/1999 8/1999 8/1999
6,012,043 A 6,058,378 6,073,119 6,173,270 6,324,523 6,332,126 6,341,353 6,349,290
Musmanno et a1, Clark et 31‘ Zeanah et a1. Musmanno et a1.
A A B1 B1 B1 B1 B1
5/2000 6/2000 1/2001 11/2001 12/2001 1/2002 2/2002
Clark etal. Bornemisza-Wahr et al. Cristo?ch et al. Killeen et a1. Peirce et a1. Herman et a1. Horowitz et a1.
6,385,652 B1
SZZOOZ Brown et al
6,430,542
B1
8 2002
6,431,439 6,697,824 7,050,997 7,240,028 7,451,134 7,571,125
B1 B1 B1 B1 B2 B2
8/2002 2/2004 5/2006 7/2007 11/2008 8/2009
7’584’107 B2 7,599,865
FOREIGN PATENT DOCUMENTS
1/2000 Albright et a1.
7,788,146 B2
10/2009
1 107 149 1 143 362 WO_89/1113() WO_()2/()99576
6/2001 10/2001 11/1939 12/2002
OTHER PUBLICATIONS
Romney, Marshall and Callister, Richard; “Easy Money:
Moran
-
Suer et 31‘ Bowman_Amuah wood, Jr, Rugge Krakowiecki er a1~ Coyle
9/2009 Lelsure et al'
B2 *
7,752,102 B2 *
EP EP WO WO
-
8/2010 Mccmhy, Jr,
-
-
-
>>.
Gaizauskas, et al. Coupling Information Retrieval and Information
Hahn et a1. .................... .. 705/30
7/2010 Thomas ““““““““““““ N 70565
-
QuickBooks Pro 4.0 & Quicken Financial*Suite for Windows , New Accountant, V. 11, I17; Apr. 1996,1313. 1-5. Of?ceAction on U.S.Appl.No. 12/871,768,mail date Oct. 24,2012, 14 pages. U.S. Appl. N0. 12/268,044, ?led Nov. 10, 2008, Krakowiecki et a1. U.S. Appl. NO. 12/324,581, ?led Nov. 26, 2008, Krakowiecki et a1. .
.
.
Extraction: A New Text Technology for Gathering Information from
the Web. 1997. Proceedings of RIAO 97: computer-Ass1sted Infor
7,831,511 B1 *
11/2010 Akin et al. .................... .. 705/40
mation Searching on the Internet. Montreal, Canada, 15 pages.
7,962,394 B2 8,036,984 B2 8’121’943 B2
6/2011 Wagner 10/2011 ElteTICh 2000 Elterwh.
http:///web.intuit.com/support/quicken/2000/mac/2226.html. Rec onciling Online Bank Accounts, last modi?ed Jul. 25, 2003, 2 pages. http://www.fremontbank.com/personalibanking/pam/pam.htrn.
.
8,170,932 B1
5/2012 Krakow1ecki et al.
8,266,034 B1*
9/2012
8,332,297 B1 2001/0011242 A1 2002/0069170 A1
Butcher, III ............... .. 705/36 R
P
1A ergo“
tM mun
?l d. U S A wager,
e
In
'
'
IN PP '
12624 637 ?l d 0'
l
l
e
12/2012 Claus et al. 8/2001 Allex et 31, 6/2002 Rizzo et al.
Man 16, 2009’ 2 Pages~ http://wwwwellsfargocom Account Management, ?led in US. Appl. No. 12/324,637, ?led Mar. 16, 2009, 2 pages.
2002/0091635 A1
7/2002 Dilip er al~
Of?ceAction onU.S.Appl.No. 12/871,761,mai1 date May25, 2012,
2002/0095651 A1
7/2002 Kumar et a1.
20 pages,
2002/0123949 A1
9/2002
VanLeeuwen
-
-
2002/0174006 A1
11/2002 Rugge et 31‘
gillisctiononU.S.Appl.No. 12/871,761,maildateNov. 25, 2011,
gggggég?g? 2}
ligggg glgaif? 31'
Final Of?ce Action OH US. Appl. N0. 12/871,768, mail date Apr. 25,
2003/0009402 A1
1/2003 Mullen et a1.
2013, l6 Pages~
2003/0018550 A1 2003/0018557 A1 2003/0061132 A1
1/2003 Rotman et al‘ 1/2003 Gilbert et al. 3/ 2003 Yu et 31,
Non-Final Of?ce ACthH on US. Appl. N0. l3/6l2,720, mail date Am 24, 2013, 12 PageS~ Business Wire; “Yahoo! Offers Personalized Financial Management
_
_
2003/0097331 A1
5/2003 Cohen
Solution: Yahoo! Finance Money Manager Automatically Tracks,
2003/0101131 A1
5/2003 Warren et al.
Analyzes and Manages Consumers ‘Personal Finances for Free’”
6/2004 Saylors et a1. ................ .. 705/40
Dec, 6, 2001; 3 pages,
2004/0111370 A1*
2004/0236678 A1 2004/0243508 A1*
11/2004 Johns et 4
Final Of?ceAction 0n U.S.Appl. NO. 13/612,673, mail dateNov. 20,
12/2004
2013 14 pages
Samson et a1. ................ .. 705/38
*
’
'
2222;225:222 21* 243222 giTPonough 5:88:81;et ............. 31' .1282;
Notice ofAllowance on US. Appl. No. 12/871,761, mail date Sep.
2005/0283418 A1*
12/2005 Thornborough et a1. ..... .. 705/35
24, 2013, 11 PageS~
2006/0247987 A1
11/2006 Busch et a1.
2006/0249568 A1
11/2006 Scanlon
* cited by examiner
US. Patent
May 6, 2014
US 8,719,132 B1
Sheet 2 0f 18
FINANCIAL PLANNING LOGIC TRANSFER LOGIC 138 SAVINGS PLANNING LOGIC
140 BILL PAYMENT LOGIC
141 144
BUDGETING LOGIC
142 CHECK LOGIC 143 SPENDING LOGIC 145 RETIREMENT PLANNING LOGIC 146
DEBT MANAGEMENT LOGIC \ 148
FIG. 2
CASH FLOW PLANNING LOGIC
US. Patent
May 6, 2014
US 8,719,132 B1
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US 8,719,132 B1
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US 8,719,132 B1
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