Management method and system for a user

Abstract

The invention provides a system, method, machine readable program and a graphical user interface for managing multiple accounts associated with a user. The method includes receiving a first set of information associated with identification of a user, in response to the first set of information, identifying a second set of information relating to a financial account associated with the user, the financial account being associated with a financial institution, in response to the first set of information. The method also includes identifying a third set of information relating to a health account associated with the user, the health account being associated with a healthcare institution. A fourth set of information is generated based upon the second set of information and the third set of information. The method also includes sending a signal representative of the fourth set of information. The signal may be sent to the user or a designee of the user.

1 - 20 . (canceled) 
     
     
         21 . A method for managing multiple accounts associated with a user, the method comprising:
 receiving into a computer system a first machine readable data signal that identifies a user;   in response to the first machine readable data signal that identifies the user, obtaining financial data from a financial investment account maintained by a financial institution using the computer system, the financial data identifying assets or liabilities of the user;   in response to the first machine readable data signal that identifies the user, obtaining information relating to a health account associated with the user using the computer system, the health account being associated with a healthcare institution and unassociated with the financial investment account;   generating a financial projection, using the financial data and the information relating to the health account associated with the user, that computes effects of health or lifestyle costs of the user on the user's finances; and   generating a second machine readable signal using the computer system to display the financial projection to the user or to a designee of the user.   
     
     
         22 . The method of  claim 21 , wherein:
 the financial investment account is selected from a group consisting of: a bank account, a mortgage account, a tax account, an education account, a credit account, a brokerage account and a retirement account; and   wherein the health account is selected from a group consisting of: a benefits record, a health insurance account, a disability insurance account, a long term care insurance account, a medical record account and a pharmaceutical record account.   
     
     
         23 . The method of  claim 21 , wherein:
 obtaining financial data from the financial investment account maintained by the financial institution using the computer system includes obtaining the financial data using a back end services layer within the computer system;   obtaining information relating to the health account associated with the user using the computer system includes obtaining the information relating to the health account using the back end services layer within the computer system;   generating the financial projection includes using a business logic layer within the computer system; and   generating the second machine readable signal includes generating the second machine readable signal using the business logic layer within the computer system.   
     
     
         24 . The method of  claim 23 , wherein the computer system includes a data access layer that separates the back end services layer from the business logic layer, wherein the data access layer is configured to act as a liaison between the business logic layer and the back end services layer for added security, and wherein the method further comprises passing the financial data and the information relating to the health account from the data access layer to the business logic layer through the data access layer. 
     
     
         25 . The method of  claim 24 , wherein passing the financial data and the information relating to the health account from the data access layer to the business logic layer through the data access layer includes altering a format of the financial data and the information relating to the health account, using the data access layer, to match a format required by the business logic layer. 
     
     
         26 . The method of  claim 21 , wherein the information relating to the health account associated with the user is a first set of information relating to a first health account associated with the user, the method further comprising:
 obtaining a second set of information relating to a second health account associated with the user,   wherein generating the financial projection that computes effects of health or lifestyle costs of the user on the user's finances includes generating the financial projection using the financial data, the first set of information relating to the first health account associated with the user, and the second set of information relating to the second heath account associated with the user.   
     
     
         27 . The method of  claim 26 , wherein the financial data from the financial investment account maintained by the financial institution is a first set of financial data from a first financial investment account, the method further comprising:
 obtaining a second set of financial data from a second financial investment account, the second set of financial data identifying additional assets or liabilities of the user,   wherein generating the financial projection that computes effects of health or lifestyle costs of the user on the user's finances includes generating the financial projection using the first set of financial data, the second set of financial data, the first set of information relating to the first health account associated with the user, and the second set of information relating to the second heath account associated with the user.   
     
     
         28 . The method of  claim 21 , further comprising:
 receiving user input regarding a change to the financial investment account or to the health account; and   updating the financial projection using the change.   
     
     
         29 . The method of  claim 21 , further comprising:
 receiving a first user input regarding a change to the financial investment account;   receiving a second user input regarding a change to the heath account; and   updating the financial projection using the first user input regarding the change to the financial investment account and the second user input regarding the change to the heath account.   
     
     
         30 . The method of  claim 21 , further comprising:
 generating a graphical user interface that uses the second machine readable signal to display the financial projection to the user or to a designee of the user along with the financial data and the healthcare data.   
     
     
         31 . A server for generating a graphical user interface for managing multiple accounts associated with a user, the server comprising:
 a financial module configured to transmit identification information for a user in order to obtain financial information relating to a financial investment account associated with the user, the financial investment account being associated with a financial institution;   a heath module configured to transmit identification information for the user in order to obtain health information relating to a health account associated with the user, the health account being associated with a healthcare institution and unassociated with the financial investment account;   a goal module configured to receive user input regarding a financial goal or a heath goal, the goal module being further configured to determine progress towards the financial goal or the health goal using both the financial information from the financial module and the health information from the module; and   a user interface module configured to generate and display a user interface that includes a financial window in which the financial information is displayed, a health window in which the health information is displayed, and a goal window in which the process towards the financial goal or the heath goal is displayed.   
     
     
         32 . The server of  claim 31 , wherein the goal module is configured to determine recommended changes to the financial information or the health information that enables the user to reach the financial goal or the heath goal more quickly, and wherein the user interface module in configured to display those recommended changes through the user interface. 
     
     
         33 . The server of  claim 32 , wherein the user interface module is configured to receive user input through the user interface regarding the recommended changes, and wherein the financial module is configured to convey the user input to the financial institution and the health module is configured to convey the user input to the health institution. 
     
     
         34 . The server of  claim 32 , wherein the goal module is configured to determine recommended changes to the health information that enables the user to reach the financial goal more quickly. 
     
     
         35 . The server of  claim 32 , wherein the goal module is configured to determine recommended changes to the financial information that enables the user to reach the health goal more quickly. 
     
     
         36 . The server of  claim 31 , wherein the user interface further includes a projection window through which a financial projection, a health projection or a lifestyle projection is displayed. 
     
     
         37 . The server of  claim 31 , further comprising a fraud detection module configured to monitor the financial information and the health information to detect fraudulent actions, and wherein the user interface is configured to convey a notification of detected fraudulent actions to the user. 
     
     
         38 . The server of  claim 31 , wherein the server includes a business logic layer and a back end services layer that are separated by a data access layer, wherein the back end services layer includes the financial and health modules, the business logic layer includes the goal module and the user interface module, and the data access layer is configured to act as a liaison between the business logic layer and back end services layer for added security. 
     
     
         39 . The server of  claim 31 , further comprising a portal module configured to securely transmit selected information from the health module, the financial module, or the goal module to a third party. 
     
     
         40 . A method for analyzing information from independent accounts associated with a user, the method comprising:
 receiving, by one or more processors, identification information for a user;   obtaining, by the one or more processors, a first set of information relating to a financial investment account associated with the user using the identification information for the user, the financial investment account being associated with a financial institution;   obtaining, by the one or more processors, a second set of information relating to a relating to a health account associated with the user, the health account being associated with a healthcare institution and unassociated with the financial investment account;   analyzing the first and second sets of information, using the one or more processors, to identify interactions between health and finances of the user;   generating and displaying a user interface conveying the interactions.   
     
     
         41 . The method of  claim 40 , wherein the user interface includes a prompt for user input, the method further comprising:
 receiving user input identifying changes to the first or second sets of information; and   analyzing the changes to update the interactions between the health and finances of the user.   
     
     
         42 . The method of  claim 41 , wherein the prompt for user input is part of a decision support tool, and wherein the decision support tool is selected from a group consisting of:
 a retirement calculator, a college savings calculator, a drug cost saving calculator, a goal tracker, and combinations thereof.