Patent ID: 7686208

Claim:
A system for providing access to substantially real-time financial information of account holders in a computerized system, the substantially real-time financial information describing a first account of a first account holder being stored on a first record keeping system, a second account of the first account holder being stored on a second record keeping system, a third account of a second account holder being stored on a second record keeping system, and a fourth account of the second account holder being stored on a fourth record keeping system, the first record keeping system being different from the second record keeping system and the third record keeping system being different from the fourth record keeping system, the first account holder being different from the second account holder, the system comprising: a server operative to receive, from a user, identification of a selected account holder, the selected account holder identification being indicative of at least one of the first account holder, the second account holder, or a combination thereof; the server being further operative to determine the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, which store the first account, the second account, the third account, the fourth account, or a combination thereof, associated with the selected account holder identification; and wherein the server further comprises a communications module operative to transmit requests to each of the determined the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, substantially simultaneously, the requests requesting therefrom, information associated with at least the stored one of the first account, the second account, the third account, the fourth account, or a combination thereof, of at least one of the first account holder, the second account holder, or a combination thereof, indicated by the selected account holder identification; and wherein the communications module is further operative to receive responses to the requests from the determined the first record keeping system, the second record keeping system, the third record keeping system, the fourth record keeping system, or a combination thereof, the responses including substantially real-time financial information associated with the at least the stored one of the first account, the second account, the third account, the fourth account, or a combination thereof, of at least one of the first account holder, the second account holder, or a combination thereof, indicated by the selected account holder identification.