Bank of America Corporation

Steven K Hayes

Shane Anthony Johnson

Susan Smith Thomas

William F Borowski

Jeffrey H Bierer

James P Kirkman

Kazi M Ariff

Judith M Anderson

Thomas D Kelley

Neal G Wolfson

Sean M O'Connor

Russell W Tipper

Jeffrey P Judd

William J Aheron

Carol A Smith

Yicong Li

Apparatus and methods for providing a personal financial network service are provided. The method may use an electronic information processing platform. The method may include storing information relating to a first participant account. The method may also include storing information relating to a second participant account. The systems and methods of the invention may further include storing information relating to a group of accounts containing the first participant and the second participant account, wherein first said account and second said account are stored independently of one another.

Personal financial network

Systems, methods, and computer program products are provided for a financial health indicator. The financial health indicator provides a dynamic indication of a user's financial health in terms of their current credit worthiness and their current ability to save in relation to a budget. In this regard, the financial health indicator is based on a user's credit report score, such as one or more FICO type credit scores and the user's savings as indicated by a budget tracking system. In embodiments of the invention in which the financial health indicator is implemented in conjunction with a budget tracking system, the financial health indicator provides necessary feedback to the user that serves to inform the user as to how they are performing in terms of staying on track to their individual budget allocations. Additionally, in certain embodiments, the provider of the budget tracking system may provide for awards based on achieving a predefined financial health indicator level and/or score.

Systems and methods for determining a financial health indicator

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Bemus Point, NY, United States of America

Steven K Hayes