Request tracking system and method
First Claim
1. A method, comprising:
- granting, by one or more processors of a computer system, a user access to a request expense tracking area of a website associated with a financial institution;
receiving, using a request tracking system running on the one or more processors of the computer system, request related data for a request from the user, the related data including data relating to at least one expense incurred by the user by spending funds on behalf of a plurality of participants in a transaction for purchasing at least one good or service;
calculating, by the one or more processors, portions of the at least one incurred expense respectively owed by each of the plurality of participants in the request to facilitate reimbursement of the at least one incurred expense back to the user;
determining, by the one or more processors, at least one participant of the plurality of participants has an account associated with the computer system;
responsive to determining that at least one participant has the account, generating, by the one or more processors, a custom payment option for the at least one participant based on information regarding the account and the portion of the at least one expense that the at least one participant owes;
tracking, by the one or more processors, whether each of the plurality of participants who are responsible for reimbursing the user for a portion of the at least one expense incurred by the user has paid their portions; and
sending a message, using a notification system running on the one or more processors of the computer system, to each participant requesting payment for the portion of the expense that is owed by the participant based on the tracking.
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Accused Products
Abstract
A computer-implemented method for granting a user access to an on-line banking area of a website belonging financial institution responsive to receiving the valid user name and password. The method providing the user with account information regarding checking, savings, mortgage, home equity and/or loan accounts held by the user at the financial institution. The method grants the user access to a request tracking area of the web site of the financial institution, receive request related data from the user, the request related data including data relating to at least one expense or goal, calculate portions of each expense respectively owed by each of a plurality of participants in the request and track whether a participant has paid. The method includes sending a message to at least one participant, the message requesting payment for the portion owed by the participant and receiving the payment from the participant in various payment forms.
81 Citations
20 Claims
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1. A method, comprising:
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granting, by one or more processors of a computer system, a user access to a request expense tracking area of a website associated with a financial institution; receiving, using a request tracking system running on the one or more processors of the computer system, request related data for a request from the user, the related data including data relating to at least one expense incurred by the user by spending funds on behalf of a plurality of participants in a transaction for purchasing at least one good or service; calculating, by the one or more processors, portions of the at least one incurred expense respectively owed by each of the plurality of participants in the request to facilitate reimbursement of the at least one incurred expense back to the user; determining, by the one or more processors, at least one participant of the plurality of participants has an account associated with the computer system; responsive to determining that at least one participant has the account, generating, by the one or more processors, a custom payment option for the at least one participant based on information regarding the account and the portion of the at least one expense that the at least one participant owes; tracking, by the one or more processors, whether each of the plurality of participants who are responsible for reimbursing the user for a portion of the at least one expense incurred by the user has paid their portions; and sending a message, using a notification system running on the one or more processors of the computer system, to each participant requesting payment for the portion of the expense that is owed by the participant based on the tracking. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising:
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receiving, by one or more processors of a computer system, a valid username and password from a user; receiving, using a request tracking system running on the one or more processors of the computer system, request related data for a request from the user, the request related data including data relating to at least one expense incurred by the user by spending funds on behalf of a plurality of participants in a transaction for purchasing at least one good or service; calculating, by the one or more processors, portions of the at least one incurred expense respectively owed by each of the plurality of participants to facilitate reimbursement of the at least one incurred expense back to the user; allowing, by the one or more processors, a user to adjust the calculation based on a user preference; determining, by the one or more processors, at least one participant of the plurality of participants has an account associated with the computer system; responsive to determining that at least one participant has the account, generating, by the one or more processors, a custom payment option for the at least one participant based on information regarding the account and the portion of the at least one expense that the at least one participant owes; determining, by the one or more processors, banking institution account balances of the participants; and sending a message, using a notification system running on the one or more processors, requesting payment for the portion of the expense that is owed by the participant and presenting each participant with options for payment based on their banking institution account balance. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A computer-implemented data processing system, the system comprising a processor and program system stored in memory and executable by the processor, the program system comprising:
request expense tracking system configured to track at least one expense incurred by a user spending funds on behalf of at least one participant having an account associated with an account management system who are responsible for reimbursing the user for a portion of the at least one expense incurred by the user, the request expense tracking system includes; a request expense system configured to; receive request related information regarding each expense of the at least one expense; calculate a portion of each expense owed by each of a plurality of participants; and generate a custom payment option for each participant based on information regarding the account and the portion of the expense owed for each participant; a notification system configured to send a message to at least one of the participants requesting payment for the portion owed by the participant; and a payment processing system configured to receive payments from at least one participant based on the custom payment option. - View Dependent Claims (19, 20)
Specification