Patent ID: 7716156

Claim:
A system of sharing user data with a plurality of web-based financial calculators, comprising: a relational database comprising user identification information and calculator data elements; at least one web server operatively coupled to the relational database; and computing memory communicatively coupled to at least one application server and the at least one web server, the computing memory having stored therein instructions configuring the system to: provide a login function enabling a user to access a secure financial institution web site; provide a financial calculator included in a web page accessible through the secured financial institution web site and at least one other calculator accessible through the secured financial institution web site; receive a user request for a web page having one of the financial calculators; identify at least one input data element required by a requested financial calculator; search the database for the at least one identified input data element required by the requested financial calculator; determine whether there are any values in the database for the at least one identified input data element that are associated with the user; automatically populate the at least one identified input data element in the calculator with a value associated with the user, wherein the value is used to perform a financial calculation associated with products or services provided by the secured financial institution web site; provide the user with a mechanism to input any input data element that is not automatically populated; receive new values for the input data elements from the user; receive new values for the output data elements generated by the financial calculator; store the new values for the input data elements and the new values for the output data element in the relational database; provide the at least one calculators access to values stored in the relational database; and mine the calculator data values associated with the user and the relational database to perform financial needs analysis.