Computer system for selective data updating across multiple remote servers
An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.
1. A computer system, the system in communication with a user terminal, the system comprising:
a computer processor;
a computer-readable medium having a program comprising processor-executable instructions; and
a data storage device storing a database comprising a plurality of user profiles, each of the user profiles comprising user data fields;
the computer system being in communication with a plurality of remote servers, each of the remote servers having an associated service;
wherein the computer processor executes the program to:
render a common graphical user interface on a user terminal for accessing each of the associated services and receiving user data;
map common fields between the user profiles and one or more of the associated services;
responsive to entry of one of the associated services by a user, determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with one another;
responsive to determining that one or more of the common user data fields within the entered one of the services is not synchronized with the common user data fields of the user profile, synchronize the one or more common user data fields within the entered one of the services with the common user data fields of the user profile stored in the database;
responsive to exiting by the user of the entered one of the services, determine whether any of the common user data fields within the entered one of the services have been changed;
responsive to determining that one or more of the common user data fields within the entered one of the services have been changed, prompt the user to replace the data in the common user data field in the user profile with the changed data from the entered one of the services; and
responsive to receiving user agreement to change the common user data field in response to the prompting of the user, synchronize the corresponding common user data fields of the user profile stored in the database that have been changed in the entered one of the services with the data in the common user data fields, and, absent user agreement in response to the prompting of the user, maintain the common user data fields of the user profile stored in the database without change.
2. The computer system of claim 1 , further comprising an employee database associated with a group benefits plan.
3. The computer system of claim 2 , wherein the processor further executes the program to:
automatically populate at least a portion of the user data fields of the user profiles from records stored in the employee database.
4. The computer system of claim 1 , wherein the processor further executes the program to:
map common fields between the user profile and one or more of the associated services by automated comparison of field values and data labels; and
based on the mapping, generate a table dynamically linking each common field of the user profile to a corresponding field in each of the associated services;
wherein the processor uses the table to determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with the common user data fields of the user profile stored in the database.
5. The computer system of claim 1 , wherein one of the associated services is an estate planning service, and wherein the processor further executes the program to:
receive account access information for a plurality of user financial resources and store the received account access information in data fields of the user profile;
automatically, responsive to user access to the system, use the stored account access information to access financial information of the user, and store the accessed financial information in data fields of the user profile;
calculate the assets, liabilities and net worth of the user based on the accessed financial information, and store the calculated assets, liabilities and net worth in the user profile; and
responsive to entry of the estate planning service by the user, synchronize the asset data, liability data and net worth data of the fields of the estate planning service with the common user data fields of the user profile stored in the database.
6. The computer system of claim 1 , wherein the processor further executes the program to:
receive data relating to the user based on fields of the user profile, the received data tagged with a source identifier; compare the source identifier to a database of approved sources; responsive to matching the source identifier with an approved source in the database of approved sources, automatically confirm the received data, and responsive to the confirmed data indicating a user event, access one of the associated services corresponding to the confirmed data; and
responsive to the user event being the death of the user, initiate one or more of a funeral process, a probate process, a life insurance claim and notification of listed people.
7. The computer system of claim 1 , wherein the remote servers comprise an estate planning server providing an estate planning service, a will preparation server providing a will preparation service, and a funeral planning server providing a funeral planning service.
8. A non-transitory computer-readable medium encoded with instructions which, when executed by a processor, cause the processor to:
communicate with a user terminal and a plurality of remote servers, each of the remote servers providing an associated service;
render a common graphical user interface on the user terminal for accessing the associated services and for receiving user data;
communicate with a database comprising a plurality of user profiles, each of the profiles comprising user data fields, wherein the associated services use some user data fields in common with the user profile stored in the database;
map common fields between the user profile and one or more of the associated services;
responsive to entry of one of the associated services by a user, determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with one another;
responsive to determining that one or more of the common user data fields within the entered one of the services is not synchronized with the common user data fields of the user profile, synchronize the one or more common user data fields within the entered one of the services with the common user data fields of the user profile stored in the database;
responsive to exiting by the user of the entered one of the services, determine whether any of the common user data fields within the entered one of the services have been changed;
responsive to determining that one or more of the common user data fields within the entered one of the services have been changed, prompt the user to replace the data in the common user data field in the user profile with the changed data from the entered one of the services; and
responsive to receiving user agreement to change the common user data field in response to the prompting of the user, synchronize the corresponding common user data fields of the user profile stored in the database that have been changed in the entered one of the services with the data in the common user data fields, and, absent user agreement in response to the prompting of the user, maintain the common user data fields of the user profile stored in the database without change.
9. The non-transitory computer-readable medium of claim 8 , wherein the instructions further cause the processor to:
automatically populate at least a portion of the user data fields of the user profiles from records stored in an employee database associated with a group benefits plan.
10. The non-transitory computer-readable medium of claim 8 , wherein the instructions further cause the processor to:
map common fields between the user profile and one or more of the associated services by automated comparison of field values and data labels; and
based on the mapping, generate a table dynamically linking each common field of the user profile to a corresponding field in each of the associated services;
wherein the instructions cause the processor to use the table to determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with the common user data fields of the user profile stored in the database.
11. The non-transitory computer-readable medium of claim 8 , wherein one of the associated services is an estate planning service, and wherein the instructions further cause the processor to:
receive account access information for a plurality of user financial resources and store the received account access information in data fields of the user profile;
automatically, responsive to user access to the system, use the stored account access information to access financial information of the user, and store the accessed financial information in data fields of the user profile;
calculate the assets, liabilities and net worth of the user based on the accessed financial information, and store the calculated assets, liabilities and net worth in the user profile; and
responsive to entry of the estate planning service by the user, synchronize the asset data, liability data and net worth data of the fields of the estate planning service with the common user data fields of the user profile stored in the database.
12. The non-transitory computer-readable medium of claim 8 , wherein the instructions further cause the processor to:
receive data relating to the user based on fields of the user profile, the received data tagged with a source identifier; compare the source identifier to a database of approved sources; responsive to matching the source identifier with an approved source in the database of approved sources, automatically confirm the received data, and responsive to the confirmed data indicating a user event, access one of the associated services corresponding to the confirmed data; and
responsive to the user event being the death of the user, initiate one or more of a funeral process, a probate process, a life insurance claim and notification of listed people.
13. The non-transitory computer-readable medium of claim 8 , wherein the remote servers comprise an estate planning server providing an estate planning service, a will preparation server providing a will preparation service, and a funeral planning server providing a funeral planning service.
14. A computer-implemented method, comprising:
communicating, by a processor of a computer system, with a user terminal and a plurality of remote servers, each of the remote servers providing an associated service;
rendering a common graphical user interface on the user terminal for accessing the associated services and for receiving user data;
communicating, by the processor, with a database comprising a plurality of user profiles, each of the profiles comprising user data fields, wherein the associated services use some user data fields in common with the user profile stored in the database;
mapping, by the processor, common fields between the user profile and one or more of the associated services;
responsive to entry of one of the associated services by a user, determining, by the processor, whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with the common user data fields of the user profile stored in the database;
responsive to determining that one or more of the common user data fields within the entered one of the services is not synchronized with the common user data fields of the user profile, synchronizing, by the processor, the one or more common user data fields within the entered one of the services with the common user data fields of the user profile stored in the database;
responsive to exiting by the user of the entered one of the services, determining, by the processor, whether any of the common user data fields within the entered one of the services have been changed;
responsive to determining that one or more of the common user data fields within the entered one of the services have been changed, prompting, by the processor, the user to replace the data in the common user data field in the user profile with the changed data from the entered one of the services; and
responsive to receiving user agreement to change the common user data field in response to the prompting of the user, synchronizing, by the processor, the corresponding common user data fields of the user profile stored in the database that have been changed in the entered one of the services with the data in the common user data fields, and, absent user agreement in response to the prompting of the user, maintaining the common user data fields of the user profile stored in the database without change.
15. The computer-implemented method of claim 14 , further comprising:
automatically populating, by the processor, at least a portion of the user data fields of the user profiles from records stored in an employee database associated with a group benefits plan.
16. The computer-implemented method of claim 14 , further comprising:
mapping, by the processor, common fields between the user profile and one or more of the associated services by automated comparison of field values and data labels; and
based on the mapping, generating, by the processor, a table dynamically linking each common field of the user profile to a corresponding field in each of the associated services;
wherein the processor uses the table to determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with the common user data fields of the user profile stored in the database.
17. The computer-implemented method of claim 14 , wherein one of the associated services is an estate planning service, and further comprising:
receiving, by the processor, account access information for a plurality of user financial resources, and storing the received account access information in data fields of the user profile;
automatically, responsive to user access to the system, using, by the processor, the stored account access information to access financial information of the user, and storing the accessed financial information in data fields of the user profile;
calculating, by the processor, the assets, liabilities and net worth of the user based on the accessed financial information, and storing the calculated assets, liabilities and net worth in the user profile; and
responsive to entry of the estate planning service by the user, synchronizing, by the processor, the asset data, liability data and net worth data of the fields of the estate planning service with the common user data fields of the user profile stored in the database.
18. The computer-implemented method of claim 14 , further comprising:
receiving, by the processor, data relating to the user based on fields of the user profile, the received data tagged with a source identifier; comparing, by the processor, the source identifier to a database of approved sources; responsive to matching the source identifier with an approved source in the database of approved sources, automatically confirming, by the processor, the received data, and responsive to the confirmed data indicating a user event, accessing, by the processor, one of the associated services corresponding to the confirmed data; and
responsive to the user event being the death of the user, initiating one or more of a funeral process, a probate process, a life insurance claim and notification of listed people.
19. The computer-implemented method of claim 14 , wherein the remote servers comprise an estate planning server providing an estate planning service, a will preparation server providing a will preparation service, and a funeral planning server providing a funeral planning service.