Patent ID: 8090594
Filing Date: 2012-01-03
Classification: G06Q

Abstract:
1. A computer-implemented method for implementing a variable financial plan, the method comprising: identifying an account; accessing a computerized account planning tool, wherein the account planning tool is an investment projection tool; presenting a characteristic associated with the account to the account planning tool; receiving an account plan from the account planning tool; authorizing access to a bank account, wherein authorizing access to the bank account comprises an account owner initiating a phone call and providing a predetermined passcode to a host computer; based at least in part on the account plan, facilitating a funds transfer from a bank account to the account, wherein transferring funds from the bank account to the first account can recur in accordance with the account plan in the absence of additional authorization; monitoring activity in the account using a computer, wherein monitoring activity in the account includes identifying a change in a projected rate of growth of the investment account; modifying the account plan in response to the activity; performing a plurality of funds transfers from the source of funds to the account in accordance with the account plan, wherein at least one funds transfer occurs prior to modifying the account plan, and another occurs after modifying the account plan; adding an additional account to the financial plan; and customizing the combination of the additional account and the account.