IP Library Granted Patent US 9,454,784
Granted Patent B2
US 9,454,784 · App. 14/102,034 · Granted Sep 27, 2016

Multiplatform interface

Inventor: Todd D. Herren (Waukee, IA)
Assignee: The Members Group, LLC
G06Q40/02
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Quick Facts
Patent No.
US 9,454,784
App. No.
14/102,034
Granted
Sep 27, 2016
Kind
B2
Abstract

Methods, systems, and apparatuses, including computer programs encoded on a computer storage medium, for displaying interfaces associated with various financial system platforms accessed through a central location. The system may retrieve financial information directly and replicate a financial system interface and platform for a user. The system may display preferred access platforms and interfaces and may frame existing platforms and interfaces with additional data and functionality.

Claims (71)

1. A computer-implemented method for allowing multiple users, using multiple account servers and multiple interfaces, access to multiple financial accounts, performed on one or more computing devices, the method comprising:

(a) receiving, using the one or more computing devices, a first account factor associated with a first financial account;

(b) receiving, using the one or more computing devices, from a first account server a first set of information associated with the first financial account;

(c) wherein the first financial account is associated with a first financial institution;

(d) wherein the first financial institution is associated with the first account server;

(e) wherein the first account server is associated with a first interface;

(f) propagating, using the one or more computing devices, a third interface with the first set of information, wherein the third interface is an imitation of the first interface;

(g) displaying, using the one or more computing devices, the third interface on the display, propagated with the first set of information;

(h) receiving, using the one or more computing devices, through the one or more computing devices, a second account factor associated with a second financial account;

(i) receiving, using the one or more computing devices, from a second account server a second set of information associated with the second financial account;

(j) wherein the second financial account is associated with a second financial institution;

(k) wherein the second financial institution is associated with the second account server;

(l) wherein the second account server is associated with a second interface;

(m) propagating, using the one or more computing devices, a fourth interface with the second set of information, wherein the fourth interface is an imitation of the second interface; and

(n) displaying, using the one or more computing devices, the fourth interface on the display, propagated with the second set of information.

2. The computer-implemented method of claim 1 , wherein the first interface appears differently than the third interface.

3. The computer-implemented method of claim 1 , wherein the first interface appears the same as the third interface.

4. The computer-implemented method of claim 1 , wherein the first financial account is associated with a debit card.

5. The computer-implemented method of claim 4 , wherein the second financial account is associated with an automated teller machine card.

6. The computer-implemented method of claim 4 , wherein the second financial account is associated with a credit card.

7. The computer-implemented method of claim 1 , wherein the first financial account is associated with a prepaid card.

8. The computer-implemented method of claim 1 , wherein the first financial account is associated with a credit card.

9. The computer-implemented method of claim 1 , wherein funds associated with the first financial account are not comingled with funds associated with the second financial account.

10. The computer-implemented method of claim 1 , wherein the first financial account is not associated with the second financial institution.

11. The computer-implemented method of claim 10 , wherein the second financial account is not associated with the first financial institution.

12. The computer-implemented method of claim 1 , wherein funds associated with the first financial account are not comingled with funds associated with the second financial account.

13. The computer-implemented method of claim 1 , wherein the first financial account is not associated with the second financial institution.

14. A computer-implemented method for allowing multiple users, using multiple account servers and multiple interfaces, access to multiple financial accounts. performed on one or more computing devices, the method comprising:

(a) receiving, using the one or more computing devices, a first account factor associated with a first account serve;

(b) wherein the first account factor is associated with a first financial account;

(c) wherein the first financial account is associated with a first financial institution;

(d) wherein the first financial institution is associated with the first account server;

(e) wherein the first account server is associated with a first interface;

(f) associating, using the one or more computing devices, in a database the first account factor with a first address of the location, of information associated with the first financial account;

(g) transmitting, using the one or more computing devices, to the first address, a request for a first set of information associated with the first financial account;

(h) receiving, using the one or more computing devices, the first set of information associated with the first financial account;

(i) propagating, using the one or more computing devices, a third interface with the first set of information, wherein the third interface is an imitation of the first interface;

(j) displaying, using the one or more computing devices, on, the display the third interface propagated with the first set of information;

(k) receiving, using the one or more computing devices, through the one or more computing devices, a second account factor associated with a second account server;

(l) wherein the second account factor is associated with a second financial account;

(m) wherein the second financial account is associated with a second financial institution;

(n) wherein the second financial institution is associated with the second account server;

(o) wherein the second account server is associated with a second interface;

(p) associating, using, the one or more computing devices, in the database the second account factor with a second address of the location of information associated with the second financial account;

(q) transmitting, using the one or more computing devices, to the second address, a request for a second set of information associated with the second financial account;

(r) receiving, using the one or more computing devices, the second set of information associated with the second financial account;

(s) propagating, using the one or more computing devices, a fourth interface with the second set of information, wherein the fourth interface is an imitation of the second interface; and

(t) displaying, using the one or more computing devices, on the display the fourth interface propagated with the second set of information.

15. The computer-implemented method of claim 14 , wherein the first financial account is associated with a debit card.

16. The computer-implemented method of claim 14 , wherein the second financial account is associated with an automated teller machine card.

17. The computer-implemented method of claim 14 , wherein the first interface appears differently than the third interface.

18. The computer-implemented method of claim 14 , wherein the first interface appears the same as the third interface.

19. A system comprising:

(a) a first financial account associated with a first financial institution;

(b) a second financial account associated with a second financial institution;

(c) a first account server associated with the first financial institution;

(d) a second account server associated with the second financial institution;

(e) a first interface associated with the first account server;

(f) a second interface associated with the second account server;

(g) a display;

(h) one or more computers; and

(i) a computer-readable medium coupled to the one or more computers having a non-transitory computer-readable program code encoded thereon which, when executed by the one or more computers, cause the one or more computers to perform operations comprising:

(i) determining a first financial account using a first account factor;

(ii) determining a second financial account using a second account factor;

(iii) receiving from the first financial institution a first set of information associated with the first financial account;

(iv) propagating a third interface with the first set of information, wherein the third interface is an imitation of the first interface;

(v) displaying on the display the third interface propagated with the first set of information;

(vi) receiving from the second financial institution a second set of information associated with the second financial account;

(vii) propagating a fourth interface with the second set of information, wherein the fourth interface is an imitation of the second interface;

(viii) displaying on the display the fourth interface propagated with the second set of information.

20. The computer-implemented method of claim 19 , wherein funds associated with the first financial account are not comingled with funds associated with the second financial account.

Assignments (2)
MERGER Recorded Feb 7, 2020
From: THE MEMBERS GROUP, LLC
To: CU COOPERATIVE SYSTEMS, INC.
Reel/Frame 051754/0136 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 10, 2013
From: HEEREN, TODD D
To: THE MEMBERS GROUP, LLC
Reel/Frame 031752/0870 →
Continuity (1)
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