Patent ID: 8712804
Filing Date: 2014-04-29
Classification: G06Q

Abstract:
1. A method for providing a financial service to a customer of a financial institution, comprising: displaying, via a computer system of a third party, an electronic banking service of the financial institution, wherein the third party is distinct from the financial institution; displaying, via the third party computer system, information associated with financial products and services of the third party; providing, via the third party computer system, an integrated interface to the electronic banking service of the financial institution and the financial products and services of the third party; displaying, via the third party computer system, financial advisory content related to the financial products and services through at least one of fund selection tools, asset allocation tools, portfolio tracking and planning tools, and financial calculators; receiving, via the third party computer system, instructions from the customer to initiate a payment to a payee, wherein the customer and the payee each has a plurality of payment accounts with different financial institutions distinct from the third party; determining, via the third party computer system, that the payee and the customer each has a payment account with a common financial institution; automatically selecting, by the third party computer system, the payment account with the common financial institution from among the plurality of payment accounts for each one of the customer and the payee; transmitting, via the third party computer system, an instruction to the common financial institution to adjust account balances of the payment account of the payee with the common financial institution and the payment account of the customer with the common financial institution; and notifying the customer, via the third party computer system, that the payment has been initiated.