Interactive funds transfer interface
In a software suite for enabling viewing and manipulation of data through a single portal accessible from a data-packet-network, a software interface for enabling proxy transfer of funds from one financial account to another is provided. The software interface comprises, an interactive main window for configuring transfer funds orders, viewing pending transfers, viewing transaction history, and viewing active account balances related to registered financial accounts, an interactive selection window accessible through the main interface, the selection window for enabling selection of individual accounts for grouping into a list of activated accounts and an automated confirmation window enabling confirmation of data parameters of a requested funds transfer. A user operating the main interface may initiate funds transfer orders to be performed between accounts at requested times by proxy in a fashion transparent at the time of execution to the requesting user.
1. An interactive method for transferring funds from or to a user's financial account held at one institution and the user's financial account held at another institution comprising steps of:
(a) inputting in a data field within a single interface accessed by the user on an Internet Network a transfer amount;
(b) selecting from a data menu within the single interface a date for the funds transfer to execute;
(c) selecting from a data menu within the single interface a first financial institution and associated account number of an account for the user the transfer amount will be taken from, the financial institution providing access to the user's financial account via a Web page requiring the user at least log-in with a name and password to access the user's financial account;
(d) selecting from a data menu within a single interface a second financial institution and associated account number of an account for the user the transfer amount will be deposited to, the financial institution providing access to the user's financial account via a Web page requiring the user at least log-in with a name and password to access the user's financial institution;
(e) submitting the transfer funds order to be executed on the selected date; and
(f) initiating the transfer on the requested date by proxy over the Internet network on behalf of the user;
(g) navigating by the proxy to the Web pages of the first and second financial institutions via an automated browser on the Internet, logging into the accounts on behalf of the user with the user's account name and password and transferring the specified funds from the account at the first financial institution to the account at the second financial institution.
2. The method of claim 1 wherein in step (a), the single interface is a hyper-text-markup-language interface.
3. The method of claim 1 wherein in step (a), the transfer amount is input by selecting from a list of available amounts.
4. The method of claim 1 wherein the method is practiced by a user operating a remote computer node connected to the network.
5. The method of claim 4 wherein the computer node is a personal computer with Internet accessibility.
6. The method of claim 4 wherein the computer node is a cellular telephone with Internet accessibility.
7. The method of claim 4 , wherein the computer node is a personal digital assistant with Internet accessibility.