Computer system for selective data updating across multiple remote servers

Abstract

An integrated advance life planning and management system provides to a user, through a single convenient Internet interface, a plurality of advance life planning and management services including estate planning, will preparation, and funeral planning services.

Claims

1. A computer system, the system in communication with a user terminal, the system comprising: a computer processor; a computer-readable medium having a program comprising processor-executable instructions; and a data storage device storing a database comprising a plurality of user profiles, each of the user profiles comprising user data fields; the computer system being in communication with a plurality of remote servers, each of the remote servers having an associated service; wherein the computer processor executes the program to: render a common graphical user interface on a user terminal for accessing each of the associated services and receiving user data; map common fields between the user profiles and one or more of the associated services; responsive to entry of one of the associated services by a user, determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with one another; responsive to determining that one or more of the common user data fields within the entered one of the services is not synchronized with the common user data fields of the user profile, synchronize the one or more common user data fields within the entered one of the services with the common user data fields of the user profile stored in the database; responsive to exiting by the user of the entered one of the services, determine whether any of the common user data fields within the entered one of the services have been changed; responsive to determining that one or more of the common user data fields within the entered one of the services have been changed, prompt the user to replace the data in the common user data field in the user profile with the changed data from the entered one of the services; and responsive to receiving user agreement to change the common user data field in response to the prompting of the user, synchronize the corresponding common user data fields of the user profile stored in the database that have been changed in the entered one of the services with the data in the common user data fields, and, absent user agreement in response to the prompting of the user, maintain the common user data fields of the user profile stored in the database without change.

2. The computer system of claim 1, further comprising an employee database associated with a group benefits plan.

3. The computer system of claim 2, wherein the processor further executes the program to: automatically populate at least a portion of the user data fields of the user profiles from records stored in the employee database.

4. The computer system of claim 1, wherein the processor further executes the program to: map common fields between the user profile and one or more of the associated services by automated comparison of field values and data labels; and based on the mapping, generate a table dynamically linking each common field of the user profile to a corresponding field in each of the associated services; wherein the processor uses the table to determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with the common user data fields of the user profile stored in the database.

5. The computer system of claim 1, wherein one of the associated services is an estate planning service, and wherein the processor further executes the program to: receive account access information for a plurality of user financial resources and store the received account access information in data fields of the user profile; automatically, responsive to user access to the system, use the stored account access information to access financial information of the user, and store the accessed financial information in data fields of the user profile; calculate the assets, liabilities and net worth of the user based on the accessed financial information, and store the calculated assets, liabilities and net worth in the user profile; and responsive to entry of the estate planning service by the user, synchronize the asset data, liability data and net worth data of the fields of the estate planning service with the common user data fields of the user profile stored in the database.

6. The computer system of claim 1, wherein the processor further executes the program to: receive data relating to the user based on fields of the user profile, the received data tagged with a source identifier; compare the source identifier to a database of approved sources; responsive to matching the source identifier with an approved source in the database of approved sources, automatically confirm the received data, and responsive to the confirmed data indicating a user event, access one of the associated services corresponding to the confirmed data; and responsive to the user event being the death of the user, initiate one or more of a funeral process, a probate process, a life insurance claim and notification of listed people.

7. The computer system of claim 1, wherein the remote servers comprise an estate planning server providing an estate planning service, a will preparation server providing a will preparation service, and a funeral planning server providing a funeral planning service.

8. A non-transitory computer-readable medium encoded with instructions which, when executed by a processor, cause the processor to: communicate with a user terminal and a plurality of remote servers, each of the remote servers providing an associated service; render a common graphical user interface on the user terminal for accessing the associated services and for receiving user data; communicate with a database comprising a plurality of user profiles, each of the profiles comprising user data fields, wherein the associated services use some user data fields in common with the user profile stored in the database; map common fields between the user profile and one or more of the associated services; responsive to entry of one of the associated services by a user, determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with one another; responsive to determining that one or more of the common user data fields within the entered one of the services is not synchronized with the common user data fields of the user profile, synchronize the one or more common user data fields within the entered one of the services with the common user data fields of the user profile stored in the database; responsive to exiting by the user of the entered one of the services, determine whether any of the common user data fields within the entered one of the services have been changed; responsive to determining that one or more of the common user data fields within the entered one of the services have been changed, prompt the user to replace the data in the common user data field in the user profile with the changed data from the entered one of the services; and responsive to receiving user agreement to change the common user data field in response to the prompting of the user, synchronize the corresponding common user data fields of the user profile stored in the database that have been changed in the entered one of the services with the data in the common user data fields, and, absent user agreement in response to the prompting of the user, maintain the common user data fields of the user profile stored in the database without change.

9. The non-transitory computer-readable medium of claim 8, wherein the instructions further cause the processor to: automatically populate at least a portion of the user data fields of the user profiles from records stored in an employee database associated with a group benefits plan.

10. The non-transitory computer-readable medium of claim 8, wherein the instructions further cause the processor to: map common fields between the user profile and one or more of the associated services by automated comparison of field values and data labels; and based on the mapping, generate a table dynamically linking each common field of the user profile to a corresponding field in each of the associated services; wherein the instructions cause the processor to use the table to determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with the common user data fields of the user profile stored in the database.

11. The non-transitory computer-readable medium of claim 8, wherein one of the associated services is an estate planning service, and wherein the instructions further cause the processor to: receive account access information for a plurality of user financial resources and store the received account access information in data fields of the user profile; automatically, responsive to user access to the system, use the stored account access information to access financial information of the user, and store the accessed financial information in data fields of the user profile; calculate the assets, liabilities and net worth of the user based on the accessed financial information, and store the calculated assets, liabilities and net worth in the user profile; and responsive to entry of the estate planning service by the user, synchronize the asset data, liability data and net worth data of the fields of the estate planning service with the common user data fields of the user profile stored in the database.

12. The non-transitory computer-readable medium of claim 8, wherein the instructions further cause the processor to: receive data relating to the user based on fields of the user profile, the received data tagged with a source identifier; compare the source identifier to a database of approved sources; responsive to matching the source identifier with an approved source in the database of approved sources, automatically confirm the received data, and responsive to the confirmed data indicating a user event, access one of the associated services corresponding to the confirmed data; and responsive to the user event being the death of the user, initiate one or more of a funeral process, a probate process, a life insurance claim and notification of listed people.

13. The non-transitory computer-readable medium of claim 8, wherein the remote servers comprise an estate planning server providing an estate planning service, a will preparation server providing a will preparation service, and a funeral planning server providing a funeral planning service.

14. A computer-implemented method, comprising: communicating, by a processor of a computer system, with a user terminal and a plurality of remote servers, each of the remote servers providing an associated service; rendering a common graphical user interface on the user terminal for accessing the associated services and for receiving user data; communicating, by the processor, with a database comprising a plurality of user profiles, each of the profiles comprising user data fields, wherein the associated services use some user data fields in common with the user profile stored in the database; mapping, by the processor, common fields between the user profile and one or more of the associated services; responsive to entry of one of the associated services by a user, determining, by the processor, whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with the common user data fields of the user profile stored in the database; responsive to determining that one or more of the common user data fields within the entered one of the services is not synchronized with the common user data fields of the user profile, synchronizing, by the processor, the one or more common user data fields within the entered one of the services with the common user data fields of the user profile stored in the database; responsive to exiting by the user of the entered one of the services, determining, by the processor, whether any of the common user data fields within the entered one of the services have been changed; responsive to determining that one or more of the common user data fields within the entered one of the services have been changed, prompting, by the processor, the user to replace the data in the common user data field in the user profile with the changed data from the entered one of the services; and responsive to receiving user agreement to change the common user data field in response to the prompting of the user, synchronizing, by the processor, the corresponding common user data fields of the user profile stored in the database that have been changed in the entered one of the services with the data in the common user data fields, and, absent user agreement in response to the prompting of the user, maintaining the common user data fields of the user profile stored in the database without change.

15. The computer-implemented method of claim 14, further comprising: automatically populating, by the processor, at least a portion of the user data fields of the user profiles from records stored in an employee database associated with a group benefits plan.

16. The computer-implemented method of claim 14, further comprising: mapping, by the processor, common fields between the user profile and one or more of the associated services by automated comparison of field values and data labels; and based on the mapping, generating, by the processor, a table dynamically linking each common field of the user profile to a corresponding field in each of the associated services; wherein the processor uses the table to determine whether user data fields common to the user profile of the user and the entered one of the associated services are synchronized with the common user data fields of the user profile stored in the database.

17. The computer-implemented method of claim 14, wherein one of the associated services is an estate planning service, and further comprising: receiving, by the processor, account access information for a plurality of user financial resources, and storing the received account access information in data fields of the user profile; automatically, responsive to user access to the system, using, by the processor, the stored account access information to access financial information of the user, and storing the accessed financial information in data fields of the user profile; calculating, by the processor, the assets, liabilities and net worth of the user based on the accessed financial information, and storing the calculated assets, liabilities and net worth in the user profile; and responsive to entry of the estate planning service by the user, synchronizing, by the processor, the asset data, liability data and net worth data of the fields of the estate planning service with the common user data fields of the user profile stored in the database.

18. The computer-implemented method of claim 14, further comprising: receiving, by the processor, data relating to the user based on fields of the user profile, the received data tagged with a source identifier; comparing, by the processor, the source identifier to a database of approved sources; responsive to matching the source identifier with an approved source in the database of approved sources, automatically confirming, by the processor, the received data, and responsive to the confirmed data indicating a user event, accessing, by the processor, one of the associated services corresponding to the confirmed data; and responsive to the user event being the death of the user, initiating one or more of a funeral process, a probate process, a life insurance claim and notification of listed people.

19. The computer-implemented method of claim 14, wherein the remote servers comprise an estate planning server providing an estate planning service, a will preparation server providing a will preparation service, and a funeral planning server providing a funeral planning service.

Description

BRIEF DESCRIPTION OF THE DRAWINGS

(1) FIG. 1 is a schematic diagram of an integrated advance life planning and management system in accordance with an embodiment of the present invention;

(2) FIG. 2 is a schematic diagram of an integrated advance life planning and management system in accordance with an alternate embodiment of the present invention;

(3) FIG. 3 is a graphic representation of a user interface screen in accordance with an embodiment of the present invention;

(4) FIG. 4 is a flow chart of a computerized method for integrated advance life planning and management, as performed by the system of FIG. 1 or FIG. 2 in accordance with an embodiment of the present invention;

(5) FIG. 5 is a flow chart of an estate planning service, as performed by the system of FIG. 1 or FIG. 2 in accordance with an embodiment of the present invention;

(6) FIG. 6 is a flow chart of a will preparation service, as performed by the system of FIG. 1 or FIG. 2 in accordance with an embodiment of the present invention;

(7) FIG. 7 is a flow chart of a funeral planning service, as performed by the system of FIG. 1 or FIG. 2 in accordance with an embodiment of the present invention; and

(8) FIG. 8 is a flow chart of an information monitoring service, as performed by the system of FIG. 1 or FIG. 2 in accordance with an embodiment of the present invention.

DETAILED DESCRIPTION OF PREFERRED EMBODIMENTS

(9) Referring to FIG. 1, an integrated advance life planning and management system 10 includes at least one central processing computer or computer network server 12 in communication with at least one user terminal 14. The server 12 includes at least one processor or central processing unit (CPU) 16, at least one communication port 18, at least one random access memory (RAM) 20, at least one read only memory (ROM) 22 and at least one data storage device 24. All of these latter elements are in communication with the processor 16 via a system bus 26.

(10) Referring to FIG. 2, wherein like reference numbers refer to like components from FIG. 1, an integrated advance life planning and management system may also be configured in a distributed architecture 28, wherein data storage devices 24 and processors 16 are housed in separate distributed servers 30. At least some of the distributed servers 30 perform primary processing functions and contain a random access memory (RAM) 20 and a read only memory (ROM) 22 in addition to a processor 16 and a data storage device 24. In the distributed system 28, each of the distributed servers 30 is attached to a communications hub or port 32 that serves as a primary communication link with other distributed servers, user terminals, and related devices. The communications hub or port 32 may have minimal processing capability itself, serving primarily as a communications router. A variety of communications protocols may be part of the system, including but not limited to: Ethernet, SAP, SAS™, ATP, Bluetooth, and TCP/IP.

(11) The user terminal 14 may include any one or a combination of a keyboard, a computer display, a touch screen, LCD, voice recognition software, an optical or magnetic read head, or other input/output devices required to implement the above functionality.

(12) The processor 16 can include one or more conventional microprocessors and one or more supplementary co-processors such as math coprocessors.

(13) The communication port 18 may include multiple communication channels for simultaneous communication. Devices in communication with each other need not be continually transmitting to each other. On the contrary, such devices need only transmit to each other as necessary, may actually refrain from exchanging data most of the time, and may require several steps to be performed to establish a communication link between the devices. For example, the communication port 18 may include wire modems, wireless radio, infrared, visible laser, UV laser transceivers, audio transceivers, or other means for communicating.

(14) Still referring to FIG. 1, the processor 16 also is in communication with the data storage device 24. The data storage device 24 may comprise an appropriate combination of magnetic, optical and/or semiconductor or flash memory, and may include, for example, RAM, ROM, an optical disc such as a compact disc, a hard disk or drive, or any other non-ephemeral computer readable medium. The processor 16 and the data storage device 24 each may be, for example, located entirely within a single computer or other computing device; or connected to each other by a communication medium, such as a USB port, serial port cable, a coaxial cable, a Ethernet type cable, a telephone line, a radio frequency transceiver or other similar wireless or wireline medium.

(15) The data storage device 24 of the system 10 may be configured to store, for example, (i) a program and/or algorithm(s) 34 (e.g., computer program code and/or a computer program product) adapted to configure the processor 16 of server 12 to perform a computerized method 36 of integrated advance life planning and management, as described in detail hereinafter with reference to FIG. 4; and/or (ii) at least one database 38 configured to store information required, manipulated, or produced by the processor 16 of the server 12 according to the computerized method 36 of the program 34. The database 38 may include data fields specific to a user profile 40 as will be discussed below.

(16) The program 34 may be stored, for example, in a compressed, an uncompiled and/or an encrypted format, and may include computer program code. The instructions of the program may be read from the data storage device 24 into the RAM 20 associated with the processor 16. While execution of sequences of instructions in the program 34 will cause the processor to perform the steps of the computerized method 36 as described below, hard-wired circuitry may be used as means for configuring the processor 16 to perform the computerized method 36 in place of, or in combination with, the data storage device 24 storing the program 34. Thus, embodiments of the present invention are not limited to any specific combination of hardware and software.

(17) Alternatively, as shown in FIG. 2, the program 34 may be embodied in another computer-readable medium that provides or participates in providing instructions to the processor 16 (or any other processor of a computing device described herein) for execution. The computer-readable medium may take many forms, including but not limited to, non-volatile media, volatile media, and transmission media. Non-volatile media include, for example, optical or magnetic disks, such as memory. Volatile media include dynamic random access memory (DRAM), which typically constitutes the main memory. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a system bus coupled to the processor. Transmission media may carry acoustic or light waves, such as those generated during radio frequency (RF) and infrared (IR) data communications. Common forms of computer-readable media include, for example, a floppy disk, a flexible disk, hard disk, magnetic tape, any other magnetic medium, a CD-ROM, DVD, any other optical medium, punch cards, paper tape, RAM, PROM, EPROM or EEPROM (electronically erasable programmable read-only memory), FLASH-EEPROM, any other memory chip or cartridge, a carrier wave as described hereinafter, or any other medium from which a computer can read.

(18) Various forms of the computer-readable medium may be involved in configuring the processor 16 (or any other processor of a device described herein) to perform the computerized method 36. For example, as shown in FIG. 2, the instructions may initially be borne on a magnetic disk of a remote computer 42. The remote computer 42 can load the instructions into its dynamic memory and send the instructions over a telephone line 44 using a first modem 46. A second modem 48 local to a computing device (e.g., the server 12) can receive the data on the telephone line 44 and use an infrared transmitter 50 to convert the data to a wireless signal 52. An infrared detector 54 can receive the data carried in the wireless signal 52 and send the data to the system bus 26 via the communication port 18. The system bus 26 carries the data to RAM 20, from which the processor 16 retrieves and executes the instructions. The instructions received by RAM 20 may optionally be stored in memory either before or after execution by the processor 16. In addition, instructions may be received via the communication port 18 as electrical, electromagnetic or optical signals, which are exemplary forms of wireless carrier waves that carry data streams representing various types of information.

(19) The program 34 configures the processor 16 to communicate with the data storage device 24 and with communication port 18, which is in communication with the user terminal 14. The program 34 also may include program elements such as an operating system, a database management system and “device drivers” that allow the processor to interface with computer peripheral devices (e.g., a video display, a keyboard, a computer mouse). The program 34 further configures the processor 16 to perform the computerized method 36. In performing the computerized method 36, the processor 16 can directly provide to the user terminal 14 a plurality of integrated advance life planning and management services such as an estate planning service 56, a will preparationservice 58, and a funeral planning service 60; or the processor 16 can communicate via the communication port 18 with other devices providing such services, and relay the services to the user terminal 14.

(20) In some embodiments, the program 34 may include submodules for accomplishing the plurality of services 56, 58, 60; in other embodiments, the plurality of services 56, 58, 60 may be provided by other programs stored on the data storage device 24 or on similar devices.

(21) Some of the data fields in the database 38 may be common fields accessed by more than one of the planning and management services 56, 58, 60. Suitable additional means may be provided for performing numerous other functions such as mapping common fields between advance life planning services. Such additional means can include computer program code, hardwired circuitry, or other equivalent means for implementing the above functions (and the other functions described herein).

(22) Referring to FIGS. 1 and 2, to use the integrated advance life planning and management system 10 of the present invention, a user, who may be an employee insured by his/her employer's group insurance plan, accesses the system 10 from the user terminal 14. From the user terminal 14, the user is linked through the communications port 18, 32 to the processor 16. As shown in FIG. 3, the processor 16 is configured by execution of the program 34 to provide access to the integrated method 36 for providing advance life planning and management services 56, 58, 60.

(23) Referring to FIG. 4, the computerized method 36 includes a step 100 of creating or updating the user profile 40 by logging into the insurance company's secure web site/server and entering the program 34. After adding the new data, the user sends the instruction to update the user profile 40, which in one example may be by clicking on a ‘Submit’ button, and the user profile 40 is updated and stored on the database 38. The user initially enters personal information such as name, address, phone number, email address, birth date and/or other similar types of personal information to establish a corresponding user profile 40. The user may also enter names and addresses of third parties contacts such as relatives, friends and other acquaintances as part of the user profile 40. Additionally, the user profile 40 can include data generated by the services 56, 58, 60. The user profile 40 is stored in fields of the database 38. At least a portion of the user profile 40 may be automatically generated from existing records stored within an insurance company's employee records databases 62.

(24) The computerized method 36 further includes a step 102 of mapping fields 64 required in the user profile 40 with similar fields 66 in the employee records databases 62. If any of the user profile fields 64 are already stored in employee record fields 66, the information is retrieved and imported to the user profile 40. The step 102 also includes mapping common fields between and among the user profile 40 and advance life planning and management services 56, 58, 60. One example method of mapping includes manually cataloguing all fields in all services, then identifying which fields are common. Another method of mapping is by automated comparison of field values and data labels according to a set of heuristics built into the computerized method 36. The step 102 of mapping common fields produces a table 68, as shown in FIGS. 1, 2, and 4, that dynamically links each common field of the user profile 40 to the corresponding field in each service 56, 58, 60. Common fields may be, for example, name, address, phone number, number of dependants, marital status, or financial worth.

(25) The computerized method 36 further includes a step 104 of selecting and entering any one of the advance life planning and management services 56, 58, 60.

(26) Upon entering a selected one of the services, the computerized method proceeds to a step 106 of checking to determine whether all the common fields within the selected service are synchronized with the user profile 40 according to the table 68. If not, the fields within the selected service are updated.

(27) The computerized method 36 further includes a step 108 of providing planning and management activities using the selected service.

(28) Upon exiting the particular service, the computerized method proceeds to a step 110 of checking to determine whether any of the common fields within the particular service have changed. If so, the user can be prompted at an optional step 112 to replace the common field information in the user profile 40. If the user agrees, the common field information in the user profile 40 is replaced. Alternatively, data fields shared among all the other services also are automatically updated along with the corresponding common field of the user profile 40, and the user is notified of the updates.

(29) Referring to FIG. 5, one integrated advance life planning and management service provided by the computerized method 36 is the estate planning service 56. The estate planning service 56 receives data from the user to generate a database of the user's assets 70 (e.g., real property, bank accounts, cash certificates) and liabilities 72 (e.g., debts, taxes owed). Personal effects are catalogued to aid in disposition. In one feature of the present invention, the user grants permission to the program 34 to access and download private financial information from several different sources 74, such as 401k plan information, pension funds, investments, life insurance policies, social security income, and real property holdings for example. This private information is imported to the database 38 and is stored in the fields of the user profile 40. When the user accesses the estate planning service 56, the data from common fields of the corresponding user profile 40 is imported to populate required fields. The user's total net worth 75 then can be accurately calculated using current data without the user having to manually track down, store, upload, and update the information.

(30) In another feature of the present invention, all of the user's financial information 70, 72, 75 and asset sources 74 are dynamically linked to the user profile 40. For example, the user profile 40 may store account access information 76 for each of the user's financial resources 74. By connecting to the program 34, the user can authorize the program 34 to access the user's financial resources 74 using the stored account access information 76. In this manner, the various asset sources 74 are automatically updated when the user connects to the program 34 and may be periodically updated and stored in the user profile 40. The assets 70 and net worth 75 of the individual user may be calculated and used as input to the estate planning service 56.

(31) Referring to FIG. 6, another integrated advance life planning and management service is a last will and testament preparation service, or the will service 58. The processor 16 is configured by the program 34, as described above, either to directly provide the will service 58, or to connect the user terminal to an external device providing the will service 58. Once connected, the user interacts with the will service 58 to prepare a will that may be as brief or as complex as needed. The will service 58 provides a list of template wills, from which the user can select a will template 78. The user then enters their personal data into required fields of the will template 78 in order to complete preparation of a personalized will 80. Some of the required fields are duplicative of information already stored in the user profile 40 or created in one of the other services such as the estate planning service 56. The will preparation can be simplified by automatically populating fields of the will template 78, according to the table 68, if the information is already available in the user profile 40.

(32) Referring to FIG. 7, another integrated advance life planning and management service is the online funeral planning service, or funeral service 60. The user connects to the funeral service 60 through the program 34, as described. Once connected, the user plans and manages funeral arrangements in advance. Information available in any of the other integrated advance life planning services (or user profile 40), such as life insurance policies or investments, are imported to the funeral service 60 if needed, as discussed above with reference to the table 68. If necessary, the change in the individual's net worth due to funeral expenses or the like is communicated back to the user profile and updated accordingly.

(33) In one feature of the present invention, the processor 16 is configured by the program 34 to inform the user of the cost 82 of the selected funeral services. In another feature of the present invention, the processor 16 is configured by the program 34 to update the various services 56, 58, 60 by deducting the cost 82 of selected funeral services amount from the anticipated life insurance policy benefit field of the user profile 40. Alternatively, the cost 82 of the selected funeral services is deducted from fields of the user profile 40 representing other assets of the individual.

(34) In another feature of the present invention, the processor 16 is configured by the program 34 to recommend that the user authorize creation of a funeral services fund 84 to cover an insured individual's funeral cost 82. The fund 84 may be financed through increases to the insured individual's insurance premiums, or by some other method. In either scenario, the amount required to fulfill the obligations is small since the purpose of the fund 84 is to finance the “float” of the funeral expenses until such time as the life insurance proceeds are disbursed, typically four to six weeks. In this way, family members are not required to shoulder the financial burden of the funeral and burial. In one embodiment, the funeral services fund 84 can be used to pay interest on a short-term balloon loan for funeral expenses; the loan principal can be repaid from the proceeds of the life insurance policy carried by the user.

(35) Optionally, the program 34 configures the processor 16 to add a tickler flag 86 to the user's profile 40. The program 34 also can configure the processor 16 to periodically check the database 38 for profiles 40 having tickler flags 86, so that each flagged user periodically will be reminded (via e-mail or other electronic means of communication, such as voicemail or text message) of their opportunity to create the fund 84.

(36) The user may also generate, using the funeral planning service 60, a list of those he/she wishes to be notified at death, and the best means of contacting those people (email, fax, text message, telegram, etc.). Upon notification of death, the funeral service 60 initiates an automated notice to those named on the user's notification list.

(37) In another feature of the present invention, as shown in FIG. 8, the processor 16 is configured by the program 34 to continuously or frequently monitor electronic information sources 88 for information 90 relating to the user, based on common fields of the user profile 40. The electronic information sources 88 may include Internet search agents, news feeds, scanned image files, typed documents, or other sources of data. The processor 16 is further configured, on identifying data 90 indicating a user event, to confirm the data 90 and to access a relevant life planning and management service 56, 58, 60. For example, if the processor 16 receives data 90 indicating a death of the user or of a user beneficiary, the processor 16 is configured to confirm the data 90 by contacting the survivor of the user or the beneficiary. On confirmation of the death, the processor 16 is further configured to access the funeral planning service 60 and/or to authorize disbursement of the funeral services fund. Alternatively, if the processor 16 receives data 90 indicating a user marriage or the birth or adoption of a user beneficiary, the processor 16 is configured to confirm the data 90 and then to access the estate planning service 56 and/or the will preparation service 58.

(38) Optionally, the processor 16 also can be configured to receive data 90 tagged with a source identifier 92, and to compare the source identifier 92 to a database 94 of approved sources. If the source identifier 92 is matched in the approved source database 94, the processor 16 can be configured to auto- confirm the data 90. For example, licensed funeral directors can be listed in the approved source database 94. Data 90 submitted by a licensed funeral director related to a user's death would then be auto-confirmed, accelerating the payment of an insured user's life insurance proceeds.

(39) One advantage of the present invention is that the individual generates the user profile 40 only once, and the information is stored in one central location (database 38) and disseminated across several services 56, 58, 60, thereby saving time and minimizing manual input errors. In the situation where information is collected electronically from other sources such as the insurance company databases 62 or financial institution, input errors are virtually eliminated. The integration of information collection results in a significant time savings on the part of insured user, and also results in a more accurate final product.

(40) Another advantage of the present system is that key information can be generated in one service, for example the estate planning service 56, stored in the database 38, and passed to other services, for example the will service 58 and/or the funeral service 60, to effect synchronized document completion. This feature is particularly advantageous when the plurality of services is operated and maintained independent of each other. An insured individual can plan for advance life services in a “one stop shopping” environment.

(41) Another advantage of the present system is that the program 34 may be configured to manage unified payment administration. In one example, the life insurance settlement may be stored in the databases 62 and disbursed to parties involved with the will service 58, such as probate costs, estate management fees, trustee administration fees, or attorney fees. Similarly, the life insurance settlement may be disbursed to parties involved with the funeral service 60, such as funeral home costs, headstone costs, or flower costs.

(42) Another advantage of the present system is that the user may configure the funeral service 60 to comprise unified death event notification. Upon notification of death, the program 34 may initiate the funeral process, the probate process, the life insurance claim, and the notification of listed people.

(43) Another advantage of the present system is that the user may configure the program 34 to automatically notify or remind the user of selected future dates, or the occurrence of an event. Another advantage of the present system is that the group buying power associated with the funeral service 60 (or any other service) may be leveraged to reduce the cost of funeral services such as caskets or headstones.