Finicity Corporation

In2m Corporation

Steven B Smith

Nicholas A Thomas

Warren M Rosner

Mark S Fuller

Nicholas Bryan Baguley

John M Davies

Nicolas A Thomas

A server includes a consent repository and a consent management interface. The consent repository is configured to store data and one or more existing consent receipts. A method performed by the server includes receiving a customer ID that corresponds to a customer. The customer ID is matched to a universal ID stored on the server. Financial account data associated with a financial account of the customer is retrieved from a financial institution associated with the customer. Furthermore, a consent request data submission is received from an external computing device. The consent request data submission includes one or more data access consents. In addition, a consent request is transmitted to the consent management interface. The consent request includes the one or more data access consents. Additionally, the consent request is digitally signed by the server and stored in the consent repository as a new consent receipt.

Trust root system for verification of user consents

Systems and methods provide improved control and sharing of financial account and financial transaction information from a plurality of disparate banks to a plurality of disparate customers using a plurality of disparate financial services apps on a plurality of disparate devices. A centralized hub is used to provide communication between disparate bank and customer systems and devices, and a hub provider ensures that disparate financial services apps comply with applicable requirements before being allowed to participate in the information sharing system. The systems and methods provide new mechanisms to share data and new sources by which to monetize and incentivize the sharing of data.

Systems and methods for managing financial transaction information

A method and apparatus are disclosed that provide for automated financial resource allocation and accountability among various groups of budgeted accounts, which are overlaid on at least one actual account. The method provides for the user to establish the accounts to be budgeted. The user then establishes a preset spending allocation amount for each account. Each time the user makes a spending allocation for that particular account, the account reflects the amount spent and notifies the user of the remaining amount allocated for that account during a given period. Thus, the user has a more accurate accounting of an established budget with respect to the established accounts, the resources allocated to each account, and the funds actually spent from each account.

Method and system for managing spending through account allocation

The present invention relates to an automated, mobile method for remotely managing the resources of a job-based business through real-time allocation of the resources among a set of user-defined virtual spending accounts. The method enables the user to establish two layers of virtual accounts. One layer comprises job accounts that represent individual jobs or projects. The other layer comprises allocation accounts that represent categories of transactions such as 'materials,' 'labor,' &#x201c;facilities,&#x201d; and &#x201c;insurance.&#x201d; The user uses these virtual accounts in conjunction with actual accounts to track the user's transactions in real time. The user may also use the present invention to create and remotely transmit purchase orders and invoices, keep a record of employees, enter employee time sheets, process payroll, and allocate and reconcile incoming and outgoing transactions between the various virtual accounts.

Methods and systems for job-based accounting

Embodiments of the present invention relate to systems, methods and apparatus for the generation, transmission, storage and manipulation of electronic receipts which communicate itemized purchase transaction information. Preferred embodiments comprise wireless vendor devices and wireless purchaser devices which transmit electronic receipts at a point-of-sale for documentation of a purchase transaction. Further processing of the electronic receipt information may be performed with a purchaser device or with a secondary computing device after subsequent receipt transmission to that secondary device.

Growing community of inventors

Holladay, UT, United States of America

Steven B Smith