Patent ID: 8078508

Claim:
A method for upgrading from a stand-alone product to an integrated financial product, comprising: receiving, by the stand-alone product executing on a computer processor, financial transaction data describing at least one financial transaction performed by a user; storing, by the stand-alone product, the financial transaction data, in the plurality of product accounts at a greater granularity than required by the stand-alone product by: crediting a first product account of the plurality of product accounts, and debiting a second product account of the plurality of product accounts, wherein the stand-alone product stores the financial transaction data prior to activating the integrated financial product, wherein the stand-alone product hides the existence of the plurality of product accounts from the user, and wherein the greater granularity is required for the integrated financial product to perform accounting functions, activating, the integrated financial product after the storing of the financial transaction data by the stand-alone product, wherein activating the integrated financial product allows the user to access a financial module of the integrated financial product; receiving, from the user after activating the integrated financial product, a user account name and a user account balance for each of a plurality of user accounts; reconciling, by the computer processor, the plurality of product accounts with the plurality of user accounts by: identifying, for each user account of the plurality of user accounts, a corresponding product account of the plurality of product accounts; and correcting a product account name and a product account balance of the corresponding product account when the product account name and the product account balance does not match the user account name and the user account balance of the user account; and accessing, by the financial module of the integrated financial product executing on the computer processor, the financial transaction data at the greater granularity to present the financial transaction data at the greater granularity to the user, wherein functionality provided by the stand-alone product is distinct from functionality provided by the financial module, and wherein the stand-alone product and the integrated financial product are software applications.