摘要 |
A software-based apparatus coordinates transferring an old account at an old financial institution to a new account at a new financial institution (fig. 1). A personal profiles database stores a user profile (24) entered using a graphical user interface (34). The user profile (24) includes at least information identifying the user, the old (12) and new (14) accounts, and an entity such as an employer (18) or utility company that performs automatic money transfers into or out of the old account. |