Abstract: The disclosure extends to methods, systems, and computer program products for identifying transaction data from within aggregated data and suggesting additional services based on the transaction data. The disclosure also extends to methods, systems, and computer based products for discovering transaction attributes within a database of aggregated account data including, aggregating and matching financial account attributes between a plurality of accounts in order to provide additional services to account holders.

Abstract: The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to users and attracting origination customers to a financial institution within a financial business computing environment. The disclosure also extends to a flexible Open Origination that allows any type of mobile, internet, online, personal financial management software, finance tool, or other useful function, device or software, that a bank or financial institution provides to account holders, and offers that same functionality to all users, regardless of their account status. Non-account holders can download and utilize the Banking Software in question in order to enjoy its features, and to become familiar with the experience of doing business with the bank or financial institution that provides the software.

Abstract: The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution. The disclosure also extends to receiving and sending such data to and from the financial or banking institution in real-time.

Abstract: The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution. The disclosure also extends to receiving and sending such data to and from the financial or banking institution in real-time.

Abstract: The disclosure extends to methods, systems, and computer program products for producing financial goal planning having two dimensional and three dimensional graphical representations for financial goals.

Abstract: In conjunction with the use of a computing device, a computer software system, product and series of method steps that: (a) detects accounts for which a customer is using an electronic bill pay service; (b) encourages the customer to switch all such bill pay transactions to a new bill pay service provider, (c) verifies the customer's accounts at the new bill pay provider, and (d) as desired electronically or automatically facilitate the switch of said customer's bill pay accounts to the new bill pay service provider.

Abstract: An advertising engine is used to compare a user's current financial transaction with offerings from a variety of advertisers. This comparison is made from the user's personal financial management data. The user is informed of benefits to the user from taking advantage of an advertisement. The user can be electronically assisted in taking advantage of the advertisement.

Abstract: Computer software for creating and displaying intuitively understandable visual representations of personal budgeting information that use proportionate bubble graphics for portions of a budget, each graphic having a visual size depiction proportionate to its percentage of the total budget being considered.

Abstract: Intuitively understandable visual representations of personal budgeting information are provided by creating proportionate bubble graphics for portions of a budget, each graphic having a visual size depiction proportionate to its percentage of the total budget being considered.

Abstract: The present disclosure extends to methods, systems, and computer program products for optimizing aggregation services. The methods and systems for optimizing aggregation routing over a network of computers may comprise computing hardware and software, wherein the software comprises computer readable instructions that cause the computing hardware to receive a request from a user for aggregated account data through a PFM, retrieve a predetermined form for the account data corresponding to the requesting PFM, determine the optimal aggregation source corresponding to the request, reformat the request to be compatible with the optimal aggregation source, send the reformatted request to the optimal aggregation source over the network of computers, receive requested data from the optimal aggregation source over the network of computers, populate the predetermined form corresponding to the PFM, output the populated form to the requesting PFM, and present the aggregated account data by way of the PFM to the user.

Abstract: The disclosure extends to methods, systems, and computer program products for moving one or more user accounts from one institution to another over a network of computers. The method and system may include receiving a request from a user to move one or more accounts between a first institution and a second institution, retrieving old account data corresponding to the request from the first institution, scraping field values from the old account data and storing said field values in computer memory, populating form fields within a plurality of new accounts with field values retrieved from the computer memory as required by the second institution in order to create the new accounts with the second institution, and closing old accounts with the first institution.

Abstract: The disclosure extends to methods, systems, and computer program products for migrating automatic financial services from one institution to another institution with minimum user input required.