Browse Prior Art Database

An Internet Expert Financial Manager

IP.com Disclosure Number: IPCOM000123824D
Original Publication Date: 1999-May-01
Included in the Prior Art Database: 2005-Apr-05
Document File: 2 page(s) / 53K

Publishing Venue

IBM

Related People

Charles Jr, J: AUTHOR [+3]

Abstract

A program is disclosed that expands upon the HPTS Internet Image Statement and Expert Statement products to provide personal finance functions currently found in PC-based financial management programs, but missing from the Expert Statement and Internet Image Statement products.

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An Internet Expert Financial Manager

   A program is disclosed that expands upon the HPTS Internet
Image Statement and Expert Statement products to provide personal
finance functions currently found in PC-based financial management
programs, but missing from the Expert Statement and Internet Image
Statement products.

   The Internet EXPERT Financial Manager (IEFM) has several
components:

   1.  Virtual Checkbook Register (VCBR)
  VCBR gives retail bank customers several levels of function
  to aid in...
  . Keeping an inventory of checks ("check" offs, if you will)
  . Moving items from one budget category to another
  . Reconciling their checkbook balance
  . Detecting fraudulent, misposted, and unposted items
  . Notification of the bank when problems are detected
    by the user
  . Notification of the user when problems are detected by
    the bank.

   2.  Budget Forecasting and Feedback Toolbox (BFFT)
  BFFT allows the end user to create a personal or small
  business budget and provides feedback on future EXPERT
  statements on how well actual expenses track to the budget
  for each EXPERT category.

   3.  Virtual Investment Manager (VIM)
  VIM provides the following functions:
  . Investment tracking.  Investment data, especially when using
    host bank services, can be customized and made available
    on demand.  The investor can check the performance of
    investments at his/her convenience.
  . Requesting investment s...