Yodlee.com, Inc.

Truaxis, Inc.

Yodlec.com, Inc.

Ramakrishna V Satyavolu

Suman Kumar Inala

P Venkat Rangan

Blake Earl Hayward

Hill Ferguson

Sreeranga P Rajan

Shehzad Daredia

Neil Daswani

Samir Kothari

Anand P Rangarajan

Jonathan Wu

Srihari Kumar

Saravana Perumal Shanmugam

Christoph Kern

Joaquin Gamboa-Pani

Bala Krishna Nakshatrala

Ji Hoon Lee

A system and method for matching a savings opportunity using census data includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. Third party census data related to a geographic location of the user may be used in addition to the savings opportunity indication to match a savings opportunity from a database of savings opportunities to the user. The savings opportunity is displayed in association with a statement of the user's financial account.

System and method for matching a savings opportunity using census data

A method and apparatus is provided for populating and submitting electronic forms by proxy over a data-packet-network. The apparatus comprises software running on a system of network-connected servers that enables a user, connected to one of the servers, to navigate to a site containing an electronic form and obtain data about the site and the form. The data obtained is used in conjunction with data about the user to construct a machine readable job order upon user request that may be executed for the purpose of automatic form population and submission to a host sponsoring the site. Upon acceptance of the submitted form, data used for log-in is stored where it is entered along with site data as a new registered site item for a user such that future navigation to the site, auto log-in and data return is performed automatically on behalf of the user.

Method and apparatus for providing auto-registration and service access to internet sites for internet portal subscribers

The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services, options, terms, conditions, costs, or how the service options change based on the consumer's particular usage characteristics. The disclosed comparison shopping method uses the consumer's actual or predicted service usage data. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user's financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user's financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented with a statement of the consumer's financial account.

System and method for providing a savings opportunity in association with a financial account

A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user's financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity.

System and method for providing socially enabled rewards through a user financial instrument

A bill-paying service has an internet-connected server executing software from a non-transitory, machine-readable medium, the software providing functionality accessing, on behalf of a user, a plurality of billing servers, logging in with credentials supplied by the user, and downloading information concerning one or more bills which the user is responsible to pay, functionality receiving a selection by the end user, indicating a bill the user wishes to pay, and functionality transmitting to the user a deep-link plug-in (DLP) for the billing server where the bill selected by the client is associated, the DLP redirecting the user to a page at the billing server where the user is enabled to pay the bill selected.

Method and apparatus for configuring and establishing a secure credential-based network link between a client and a service over a data-packet-network

A system for verifying communication established between a first and a second node over a data-packet-network includes a third network node accessible from the first node over the data-packet-network, the third node containing network location information of the second node and the network location information of at least one resource accessible there from; and a navigation agent directed by the third network node for navigating over the network to the second node and to the at least one resource to gather information. In a preferred embodiment, the information gathered includes indication of receipt of data sent from the first node at the second node and indication of confirmation or authorization to access services.

Method and system for verifying state of a transaction between a client and a service over a data-packet-network

A system for transacting in a network includes a service broker connected to the network, having access to necessary credentials, a service provider connected to the network, requiring credentials for transacting in regard to a client, and a client station connected to the network. A client using the client station sends a preliminary request for a transaction to the service broker, which initiates, at the appropriate time, the transaction for the client by a request to the service provider, accompanied by the appropriate credentials, and the service broker monitors the service provider after the write request for an acknowledgement of the request.

Method and system for network transaction management

A system for categorizing transactions includes a collection function gathering information concerning transactions, including at least date, description and amount of the transactions, for a particular person or enterprise, and a processing function categorizing individual ones of the collected transactions according to at least part of the transaction description.

Categorization of summarized information

A system for establishing a direct network connection between a first and a second node over a data-packet-network includes a third network node having connection to the data-packet-network for providing an electronic interface accessible to the first node; a navigation agent directed by the third network node for navigating over the network to the second node to gather information; and at least one machine-readable instruction containing the instruction for directing and implementing the direct network connection. The electronic interface may be a Web page providing bill consolidation and payment services to a client operating the first node and wherein the connection established via the instruction enables transparent login payment of a bill at the second node, which may be a direct billing party interface of the client registered and listed on the Web page.

A system for categorizing transactions includes a collection function gathering information concerning transactions, including at least date, description and amount of the transactions, for a particular person or enterprise, and a processing function categorizing individual ones of the collected transactions according to at least part of the transaction description. In preferred embodiments of the system a variety of categorization methods for collected information may be utilized including at least categorizing by providing individual categories according to category definition entered by a specific user or on behalf of an enterprise. Categorization may also be done for a first plurality of persons or enterprises according to category definition entered by a second plurality of persons or enterprises, or categories are developed from information taken from communication between users and the system. Probability algorithms may also be used in developing categories.

A system for retrieving and disseminating information records from Internet sources includes a client device and an intermediary server , including software, between the client device and the Internet. The collects a record specific to a client from an individual one of said Internet sources in a first form in which the record is recorded at the Internet source, transforms the record from the first form to a second form specific to an application other than an Internet browser application, the application executable by the client device, and transmits the transformed record to the client device for display in the application other than an Internet browser application executable by the client device. In some cases the client device connects by a data link that is not Internet-compatible link. Data mining on the Internet specific to clients and client devices is taught, with aggregation services and synchronization for keeping a client up-to-date efficiently for changing data content.

Method and apparatus for restructuring of personalized data for transmission from a data network to connected and portable network appliances

A system for retrieving and disseminating information records from Internet sources includes a client device and an intermediary server system, including software, between the client device and the Internet. The system collects a record specific to a client from an individual one of said Internet sources in a first form in which the record is recorded at the Internet source, transforms the record from the first form to a second form specific to an application other than an Internet browser application, the application executable by the client device, and transmits the transformed record to the client device for display in the application other than an Internet browser application executable by the client device. In some cases the client device connects by a data link that is not Internet-compatible link. Data mining on the Internet specific to clients and client devices is taught, with aggregation services and synchronization for keeping a client up-to-date efficiently for changing data content.

A network-based software application for enabling remote authentication of a user during a network session has a server portion for serving session validation information and additional user information when queried, a client portion for configuring and submitting parameters constraining what and how data is to be shared with a querying entity or entities, and a distributed portion for distribution and application at various connected network nodes for enabling those nodes to recognize and interact with the server portion. The application is characterized in that the server portion generates a temporary session token after a first successful authentication by the user at a web site during a network session, the token cached at the host machine of the server portion and at the user's machine or proxy machine and wherein upon navigation by the user to a next web site or form requiring secure authentication, the token is used to identify the user and a remote call is used to validate the user session instead of requiring manual authentication procedures.

Growing community of inventors

Fremont, CA, United States of America

Ramakrishna V Satyavolu