Patent ID: 8566187

Claim:
A computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders, the interactive account management system comprising: at least one computer storage medium storing data and instructions; at least one computer processor accessing the stored data and instructions and executing the instructions to perform steps including; providing the multiple account holders an account holder invitation interface for sending an invitation to other account holders to join an existing personal financial network; sending an invitation from the multiple account holders to other account holders to join the existing personal financial network; incorporating each account holder accepting the invitation into the existing personal financial network, thereby expanding the existing personal financial network for each account holder that sent the invitation, each personal financial network including at least two co-account holders of a financial account; identifying each member of the personal financial network based on stored account information and account holder input; processing information to provide collaborative interaction between the members of the personal financial network defined by the account holders using the account holder invitation interface; and displaying collaborative interaction interfaces and inviting active participation from the financial network members, wherein the collaborative interaction interfaces include a collaborative review interface enabling each personal financial network member to highlight financial transactions for other personal financial network members to review and act upon; accepting input from the personal financial network members and processing the input to correspondingly display output.