Method and system for using intelligent agents for financial ...
US005920848A
United States Patent
[19]
Schutzer et al. [54]
[45]
METHOD AND SYSTEM FOR USING INTELLIGENT AGENTS FOR FINANCIAL
Jul. 6, 1999
“Reality Debuts Reuters Money Network for Quicken Users, the Online Personal Investing Service that Gives
AND ADVICE
Quicken Users Access to Wall Street”; PR Newswire; Date
line: King of Prussia, PA; Mar. 22, 1994; Dialog: ?le 621,
[75] Inventors: Daniel Schutzer, Scarsdale, NY;
Acc# 00472770.
William Hull Forster, J r., The Hague,
Foremski; “Welcome to the Machine”; Electronics Weekly; n 1707; p. 20(1); Jan. 1995; Dialog: File 148, Acc#
Netherlands; Huanrui Hu; Wenke Lee, both of New York, NY; Salvatore J.
07669870.
Stolfo, Ridgewood, N.J.; Wei Fan, New
International Search Report dated Sep. 1, 1998. LE Motiwalla, An Intelligent Agent for Prioritizing E—Mail Messages, Info Resour. Manage. 1., vol. 8, No. 2, pp. 16—24,
York, NY.
Assignee: Citibank, N.A., New York, NY.
(Spring 1995).
Appl. No.: 09/010,677
Primary Examiner—Stephen R. Tkacs Attorney, Agent, or Firm—George T. Marcou; Kilpatrick
Jan. 22, 1998
Stockton LLP
Related US. Application Data
[57]
Provisional application No. 60/037,069, Feb. 12, 1997.
ABSTRACT
The present invention relates to the use of computerized
intelligent agents to facilitate the integration of networked performance of ?nancial transactions with computerized methods of ?nancial accounting. Incorporated into this combined ?nancial transaction/?nancial accounting system are intelligent agents that automatically analyze the system
Int. Cl.6 .................................................... .. G06F 17/60 US. Cl. ............................................... .. 705/42; 705/33
Field of Search ................................ .. 705/26, 30, 31,
705/33, 34, 35, 39, 40, 42, 43, 44; 235/379, 380, 381
5,546,452 5,557,518 5,590,197 5,649,115 5,710,887 5,727,950
5,920,848
OTHER PUBLICATIONS
TRANSACTIONS, SERVICES, ACCOUNTING,
Filed:
Patent Number: Date of Patent:
[11]
information to provide users with ?nancial advice. This
References Cited
invention permits the automated performance on-line of a wide variety of ?nancial transactions and integrates these
U.S. PATENT DOCUMENTS
transactions with computerized ?nancial accounting. All of this information is collated and analyzed automatically by
8/1996 Andrews et al. . 9/1996 Rosen . 12/1996 7/1997 1/1998 3/1998
intelligent agents, which generate user-speci?c ?nancial reports, pro?les, and advice, and under appropriate condi
Chen et al. ............................. .. 380/24 Schrader et al. . .. 705/33 Chelliah et al. . .. 705/26 Cook etal. ........................... .. 434/350
tions take action.
73 Claims, 26 Drawing Sheets
PRIMARY BANK SERVER
VIEW ACCOUNT INFORMATION ONLINE ONLINE TRANSACTION TRANSACTION
DOWNLOAD DATA 25 4
USER ACCOUNT
/ fm
21
LOCAL CLIENT APPLICATION
INTERNET BROWSER STORE DOWNLOADED
CALL FINANCIAL
DATA
_ SOFTWARE
APPLICATION
FINANCIAL SOFTWARE APPLICATION
LOCAL DATA FILE
U.S. Patent
Jul. 6, 1999
Sheet 1 0f 26
FIG. 1
5,920,848
U.S. Patent
Jul. 6, 1999
5,920,848
Sheet 2 0f 26
FIG. 2 ,4
(5
PRIMARY BANK SERVER
SECONDARY BANK SERVER UPLOAD
DOWN LOAD\\
\ DOWNLOAD‘ I UPLOAD 3
14
DATA
FINANCIAL SO ARE APP
\= FILE
TION A
MODEL >
FILE
>
INTELLIGENT
> AGENT APPLETS
U.S. Patent
Jul. 6, 1999
Sheet 3 0f 26
5,920,848
FIG. 3
PRIMARY BANK SERVER VIEW ACCOUNT
INFORMATION ONLINE ONLINE TRANSACTION TRANSACTION
DOWNLOAD DATA 25 4 v
/ r 30
LOCAL CLIENT APPLICATION
CALL FINANCIAL _ SOFTWARE
APPLICATION
FINANCIAL SOFTWARE APPLICATION
21
INTERNET BROWSER STORE DOWNLOADED DATA
U.S. Patent
52
Jul. 6, 1999
Sheet 4 0f 26
5,920,848
FIG. 4
53
@@ 23 /
USER
\~54
65
[ USER )
ACCOUNT
ACCOUNT
”\_/ 43
4
5
PRIMARY
4O
BANK SERVER
SECONDARY
N
41
BANK SERVER
N
INTERNET BROWSER ~20 60
ACCOUNTS MERGER
LEARNING
OTHER
AGENTS
FUNCTIONS
~46
C FINANCIAL SOFTWARE )w14 SOFTWARE APPLICATION A 48
SOFTWARE APPLICATION B 49
U.S. Patent
Jul. 6, 1999
Sheet 5 0f 26
5,920,848
FIG. 5 &Access AccessBox Number:]r—\ dialo
PIN
Q
EN§® l 103
104
\-/100 101 102
U.S. Patent
Jul. 6, 1999
Sheet 7 0f 26
5,920,848
FW t \\
m:P25mm\/
@2w:
,\ \
6E N
E2BonD5E;Q
M63w222m525:2;5%30>?cm emz
Q§E
x0
U.S. Patent
Jul. 6, 1999
Sheet 8 0f 26
5,920,848
FIG. 8 E Payment dialog
BE El N120
From Account
citibank checking
~\J121
Payee Name
nynex
r N122
Amount
r300
Date
-"~\/123
Fri Sep 2715:041201996- N124 OK Cancel
i
i
125
126
FIG. 9 137
138
139
132
Lg Citibank! BankingiAgentySystem
BEE]
136 “File Account Wizards Help 131 N’ ATM Trace
\/130
Expense Category
Check Trace
Make Payment “I 133
Financial Planning
1 i
t i
134
135
U.S. Patent
Jul. 6, 1999
Sheet 11 0f 26
5,920,848
02)
BE
68
\
it
6E3
2a::82
Vg2a56?VwemgéawV9%ega 26565:
mm:mm?
U.S. Patent
Jul. 6, 1999
Sheet 13 0f 26
5,920,848
aOas?$62\/\ .
6Em2
wa:N
8@mE8%802g85g60r. 3@$VmE085B28wI56:Q8@m8%2O8:583E0%@3VmE2088 I5:O2 m 8 3 x E E 08 @ 2 a 5 9 ? 1 8 % a 0 5 m5E9W:é382o5“m;D? :N\x8mg85%91E858%802mg
@6982 Em 5\I \
U.S. Patent
Jul. 6, 1999
Sheet 14 0f 26
5,920,848
FIG. 14 220 \
221
[EBalance of citibank checking
GEE} Balance of nynex phone
134159. @I? as of 9/16/96
EEE"
@j as of 9/16/96
OK
'
.
OK
i
l
220a
221a
_
FIG. 15 227 l
@ccount Summary
__2
\
GEE
Expense Category
Average
Total
Misc Cash Withdraw Health Care Services
679167 3747 123425
1630 3747 4932
225 Ad Air Travel
32747
65494
Merchandise
467958
280285
Deposit
992609
893348
Books
62
62
Groceries Auto Rental Gifts Rent
3702 6775 2000 481
OK
'
3702 6335 2000 968
” 225
‘ _\/ 228
'
U.S. Patent
$2 06
26E -. :Em?NED59w
Jul. 6, 1999
Sheet 15 0f 26
5,920,848
v6
£4856038w
5N
U.S. Patent
Jul. 6, 1999
Sheet 17 0f 26
5,920,848
FIG. 18 242
reminderGUl window MM
DD
241 243
Cancel
244
245
FIG. 19 [FE Expense Watchers 250
Expense Categories
Other Travel
Upper Limit per Month
El
|
:l
252
Vehlc"? Sell/‘Ce
Warn Within Amount
Deposit Books Gifts
'——:‘
253
Restaurants 251 A @ Services
Groceries
5} OK
Cancel
l
l
254
255
U.S. Patent
Jul. 6, 1999
m\w/m
28
Sheet 18 0f 26
Em\ /,
5,920,848
m\/m
EG 6Eow
@8>5693m8
m3t5o9w?m 562m; 5226m 5826:m; 2858: 95E:. $2 06 85 wESmN QO$6250. Em.(\
2ao0ms2o
United States Patent
[19]
Schutzer et al. [54]
[45]
METHOD AND SYSTEM FOR USING INTELLIGENT AGENTS FOR FINANCIAL
Jul. 6, 1999
“Reality Debuts Reuters Money Network for Quicken Users, the Online Personal Investing Service that Gives
AND ADVICE
Quicken Users Access to Wall Street”; PR Newswire; Date
line: King of Prussia, PA; Mar. 22, 1994; Dialog: ?le 621,
[75] Inventors: Daniel Schutzer, Scarsdale, NY;
Acc# 00472770.
William Hull Forster, J r., The Hague,
Foremski; “Welcome to the Machine”; Electronics Weekly; n 1707; p. 20(1); Jan. 1995; Dialog: File 148, Acc#
Netherlands; Huanrui Hu; Wenke Lee, both of New York, NY; Salvatore J.
07669870.
Stolfo, Ridgewood, N.J.; Wei Fan, New
International Search Report dated Sep. 1, 1998. LE Motiwalla, An Intelligent Agent for Prioritizing E—Mail Messages, Info Resour. Manage. 1., vol. 8, No. 2, pp. 16—24,
York, NY.
Assignee: Citibank, N.A., New York, NY.
(Spring 1995).
Appl. No.: 09/010,677
Primary Examiner—Stephen R. Tkacs Attorney, Agent, or Firm—George T. Marcou; Kilpatrick
Jan. 22, 1998
Stockton LLP
Related US. Application Data
[57]
Provisional application No. 60/037,069, Feb. 12, 1997.
ABSTRACT
The present invention relates to the use of computerized
intelligent agents to facilitate the integration of networked performance of ?nancial transactions with computerized methods of ?nancial accounting. Incorporated into this combined ?nancial transaction/?nancial accounting system are intelligent agents that automatically analyze the system
Int. Cl.6 .................................................... .. G06F 17/60 US. Cl. ............................................... .. 705/42; 705/33
Field of Search ................................ .. 705/26, 30, 31,
705/33, 34, 35, 39, 40, 42, 43, 44; 235/379, 380, 381
5,546,452 5,557,518 5,590,197 5,649,115 5,710,887 5,727,950
5,920,848
OTHER PUBLICATIONS
TRANSACTIONS, SERVICES, ACCOUNTING,
Filed:
Patent Number: Date of Patent:
[11]
information to provide users with ?nancial advice. This
References Cited
invention permits the automated performance on-line of a wide variety of ?nancial transactions and integrates these
U.S. PATENT DOCUMENTS
transactions with computerized ?nancial accounting. All of this information is collated and analyzed automatically by
8/1996 Andrews et al. . 9/1996 Rosen . 12/1996 7/1997 1/1998 3/1998
intelligent agents, which generate user-speci?c ?nancial reports, pro?les, and advice, and under appropriate condi
Chen et al. ............................. .. 380/24 Schrader et al. . .. 705/33 Chelliah et al. . .. 705/26 Cook etal. ........................... .. 434/350
tions take action.
73 Claims, 26 Drawing Sheets
PRIMARY BANK SERVER
VIEW ACCOUNT INFORMATION ONLINE ONLINE TRANSACTION TRANSACTION
DOWNLOAD DATA 25 4
USER ACCOUNT
/ fm
21
LOCAL CLIENT APPLICATION
INTERNET BROWSER STORE DOWNLOADED
CALL FINANCIAL
DATA
_ SOFTWARE
APPLICATION
FINANCIAL SOFTWARE APPLICATION
LOCAL DATA FILE
U.S. Patent
Jul. 6, 1999
Sheet 1 0f 26
FIG. 1
5,920,848
U.S. Patent
Jul. 6, 1999
5,920,848
Sheet 2 0f 26
FIG. 2 ,4
(5
PRIMARY BANK SERVER
SECONDARY BANK SERVER UPLOAD
DOWN LOAD\\
\ DOWNLOAD‘ I UPLOAD 3
14
DATA
FINANCIAL SO ARE APP
\= FILE
TION A
MODEL >
FILE
>
INTELLIGENT
> AGENT APPLETS
U.S. Patent
Jul. 6, 1999
Sheet 3 0f 26
5,920,848
FIG. 3
PRIMARY BANK SERVER VIEW ACCOUNT
INFORMATION ONLINE ONLINE TRANSACTION TRANSACTION
DOWNLOAD DATA 25 4 v
/ r 30
LOCAL CLIENT APPLICATION
CALL FINANCIAL _ SOFTWARE
APPLICATION
FINANCIAL SOFTWARE APPLICATION
21
INTERNET BROWSER STORE DOWNLOADED DATA
U.S. Patent
52
Jul. 6, 1999
Sheet 4 0f 26
5,920,848
FIG. 4
53
@@ 23 /
USER
\~54
65
[ USER )
ACCOUNT
ACCOUNT
”\_/ 43
4
5
PRIMARY
4O
BANK SERVER
SECONDARY
N
41
BANK SERVER
N
INTERNET BROWSER ~20 60
ACCOUNTS MERGER
LEARNING
OTHER
AGENTS
FUNCTIONS
~46
C FINANCIAL SOFTWARE )w14 SOFTWARE APPLICATION A 48
SOFTWARE APPLICATION B 49
U.S. Patent
Jul. 6, 1999
Sheet 5 0f 26
5,920,848
FIG. 5 &Access AccessBox Number:]r—\ dialo
PIN
Q
EN§® l 103
104
\-/100 101 102
U.S. Patent
Jul. 6, 1999
Sheet 7 0f 26
5,920,848
FW t \\
m:P25mm\/
@2w:
,\ \
6E N
E2BonD5E;Q
M63w222m525:2;5%30>?cm emz
Q§E
x0
U.S. Patent
Jul. 6, 1999
Sheet 8 0f 26
5,920,848
FIG. 8 E Payment dialog
BE El N120
From Account
citibank checking
~\J121
Payee Name
nynex
r N122
Amount
r300
Date
-"~\/123
Fri Sep 2715:041201996- N124 OK Cancel
i
i
125
126
FIG. 9 137
138
139
132
Lg Citibank! BankingiAgentySystem
BEE]
136 “File Account Wizards Help 131 N’ ATM Trace
\/130
Expense Category
Check Trace
Make Payment “I 133
Financial Planning
1 i
t i
134
135
U.S. Patent
Jul. 6, 1999
Sheet 11 0f 26
5,920,848
02)
BE
68
\
it
6E3
2a::82
Vg2a56?VwemgéawV9%ega 26565:
mm:mm?
U.S. Patent
Jul. 6, 1999
Sheet 13 0f 26
5,920,848
aOas?$62\/\ .
6Em2
wa:N
8@mE8%802g85g60r. 3@$VmE085B28wI56:Q8@m8%2O8:583E0%@3VmE2088 I5:O2 m 8 3 x E E 08 @ 2 a 5 9 ? 1 8 % a 0 5 m5E9W:é382o5“m;D? :N\x8mg85%91E858%802mg
@6982 Em 5\I \
U.S. Patent
Jul. 6, 1999
Sheet 14 0f 26
5,920,848
FIG. 14 220 \
221
[EBalance of citibank checking
GEE} Balance of nynex phone
134159. @I? as of 9/16/96
EEE"
@j as of 9/16/96
OK
'
.
OK
i
l
220a
221a
_
FIG. 15 227 l
@ccount Summary
__2
\
GEE
Expense Category
Average
Total
Misc Cash Withdraw Health Care Services
679167 3747 123425
1630 3747 4932
225 Ad Air Travel
32747
65494
Merchandise
467958
280285
Deposit
992609
893348
Books
62
62
Groceries Auto Rental Gifts Rent
3702 6775 2000 481
OK
'
3702 6335 2000 968
” 225
‘ _\/ 228
'
U.S. Patent
$2 06
26E -. :Em?NED59w
Jul. 6, 1999
Sheet 15 0f 26
5,920,848
v6
£4856038w
5N
U.S. Patent
Jul. 6, 1999
Sheet 17 0f 26
5,920,848
FIG. 18 242
reminderGUl window MM
DD
241 243
Cancel
244
245
FIG. 19 [FE Expense Watchers 250
Expense Categories
Other Travel
Upper Limit per Month
El
|
:l
252
Vehlc"? Sell/‘Ce
Warn Within Amount
Deposit Books Gifts
'——:‘
253
Restaurants 251 A @ Services
Groceries
5} OK
Cancel
l
l
254
255
U.S. Patent
Jul. 6, 1999
m\w/m
28
Sheet 18 0f 26
Em\ /,
5,920,848
m\/m
EG 6Eow
@8>5693m8
m3t5o9w?m 562m; 5226m 5826:m; 2858: 95E:. $2 06 85 wESmN QO$6250. Em.(\
2ao0ms2o
