Patent ID: 8606708

Claim:
A method of providing financial management to a user utilizing an integrated financial services system (IFSS), comprising the following steps: accessing, by the IFSS, first financial data regarding a first financial account of the user at a first financial institution, wherein the first financial account is a deposit account which allows money to be deposited and withdrawn by the user; accessing, by the IFSS, each of second financial data comprising financial data of the user as prepared by a personal financial management application, third financial data comprising financial data regarding a second financial account of the user, and fourth financial data comprising scheduled transactions of the user in an online banking system; analyzing, by the IFSS, the first financial data together with at least one of the second financial data, the third financial data and the fourth financial data; and determining, by the IFSS, a first financial transaction for the user regarding the first financial account based on the step of analyzing, the first financial transaction comprising a transfer of funds into the first financial account from a different financial account.