Patent ID: 8725605

Claim:
A method for managing service accounts of users, comprising the steps of: receiving electronically from a customer user, information regarding at least one user service account associated with the customer user, the at least one user service account associated with at least one service provider; processing rules and service data to collect a predefined set of rules and services; transmitting, from a computer to the customer user, at least one customizable rule describing a trigger condition and at least one associated account management service, wherein the trigger condition is based on the predefined rules and services and is directed to a characteristic of the user service account maintained by the service provider, and the at least one account management service operable to be performed by the computer in response to a detection of the trigger condition; receiving electronically from the customer user, at the computer, at least one user-customized rule describing a trigger condition and the associated at least one account management service defined by the customer user in response to the at least one customizable rule, wherein the rule is further customized to activate at a time specified by the customer user in the at least user-customized rule, the time beginning at a fixed starting time and wherein the at least one account management service comprises sending a message to the customer user, wherein the message includes information corresponding to the user service account information associated with the service provider; providing in an electronic user service account data store, a user service account data table including user token data for the user service account; accessing the user service account data table in the electronic user service account data store; retrieving user service account information electronically from the service provider using the user token data; determining, based on the electronically retrieved user service account information, whether the trigger condition associated with the retrieved user service account information is detected; and using the computer, performing the at least one account management service in response to the trigger condition being detected.