Patent ID: 8121943
Filing Date: 2012-02-21
Classification: G06Q

Abstract:
1. A computer-implemented method for managing a plurality of personal financial accounts of a user maintained at two or more financial institutions, the method comprising: retrieving by one or more computers a first rule for a minimum, aggregate balance of the plurality of personal financial accounts maintained at the two or more financial institutions; retrieving by one or more computers a second rule for a target, aggregate balance of the plurality of personal financial accounts maintained at the two or more financial institutions, with a value of the target, aggregate balance being less than a value of the minimum, aggregate balance included in the first rule; identifying by one or more computers a conflict between the first rule and the second rule, with the conflict corresponding to when execution of the first rule by the one or more computers will cause a violation of the second rule by the one or more computers; receiving from the user instructions to resolve the conflict by selecting the first rule; receiving financial account balance data including a value of a current aggregate balance of the plurality of personal financial accounts; detecting by one or more computers that the current aggregate balance of the plurality of personal financial accounts is below the minimum, aggregate balance; determining by one or more computers an amount of funds to be transferred into one or more of the personal financial accounts in the plurality of personal financial accounts from one or more different personal financial accounts; and causing by one or more computers a transfer of funds into one or more of the personal financial accounts in the plurality of personal financial accounts.