Method and apparatus for facilitating data management

• US 10,204,161 B1
• Filed: 11/10/2008
• Issued: 02/12/2019
• Est. Priority Date: 08/02/2004
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Krakowiecki, Matthew, Kolling, Pearl, Mackouse, Jack, Rhein, Kevin, Hoople, Elizabeth, Yee, Kathy
• Primary Examiner(s): Trujillo, James
• Assistant Examiner(s): Khoshnoodi, Fariborz
• Application Number:
  US12/268,044
• Time in Patent Office: 3,746 Days
• Field of Search: 707769, 707780, 707722, 707200, 707913, 707914, 707737, 707740, 707758
• CPC Class Codes: G06F 16/244 Grouping and aggregation
• CPC Class Codes: G06F 16/285 Clustering or classification
• CPC Class Codes: G06F 16/951 Indexing; Web crawling techniques
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: Y10S 707/99933 Query processing, i.e. searching

Abstract

A method and apparatus for facilitating data management over a network are described. In one embodiment, a request to display aggregate transaction data for a user is received, the aggregate transaction data containing data related to multiple disparate transactions organized into categories based on corresponding category codes and transaction codes associated with each transaction. The aggregate transaction data are retrieved from a database. A report containing the aggregate transaction data is generated and displayed for the user in a user interface area.

Claims

1. A computer-implemented system for facilitating data management, and categorizing financial transactions and recategorizing historic financial transactions, comprising:

a database system comprising a database, the database system being configured to store;

transaction data for a plurality of different financial transactions, the transaction data including user transaction data for a user having a plurality of different accounts, wherein the plurality of different financial transactions comprise bank account transactions and credit card transactions, and

category codes usable to categorize the financial transactions into a plurality of categories, wherein the bank account transactions are associated with banking transaction codes and the credit card transactions are associated with credit card transaction codes and the category codes; and

a server system comprising a server, the server system being coupled to the database system, wherein the server system;

categorizes the plurality of financial transactions into a plurality of categories based on the transaction data, the banking transaction codes, the credit card transaction codes, and the category codes, wherein the plurality of categories include different merchant categories;

receives a request from the user to display the user transaction data;

receives user selections to customize content of a first report showing the user transaction data regarding the financial transactions;

retrieves the user transaction data and the category codes from the database system;

generates the first report showing the user transaction data regarding the financial transactions, the first report showing the categorization of the plurality of financial transactions into the plurality of categories, the first report being customized in accordance with the user selections, the first report including links associated with the plurality of different categories which may be selected by the user for further user interaction with the first report; and

provides a display of the first report to the user;

wherein the first report permits a user to reclassify a transaction to a different one of the plurality of categories;

wherein the server system updates the plurality of categories to associate a merchant associated with the transaction with the different one of the plurality of categories according to the reclassification by the user, and the server system further recategorizes historical financial transactions involving the merchant based on the reclassification of the transaction by the user and categorizes future financial transactions involving the merchant based on the reclassification of the transaction by the user; and

wherein the server system updates the first report based on the user selecting which of the plurality of financial accounts are to be included in the first report and includes the reclassification by the user to generate a second report;

wherein the plurality of category codes are usable to categorize the credit card transactions into a plurality of categories including at least one of airlines, auto and gas, education, groceries, health care, services, lodging, restaurants, retail, and non-categorized transactions, and wherein the second report is a default report shown to the user upon a second request from the user to display the user transaction data.

2. The system of claim 1,

wherein the user selections are received from the user via the Internet through a browser application;

and

wherein the report is displayed by the browser application as part of a web page via the Internet.

3. The system of claim 1, wherein the report includes links associated with the plurality of categories that are selected by the user for further user interaction with the report.

4. The system of claim 1,

wherein the plurality of categories are updated in real time during communication with the user.

5. A method comprising:

storing transaction data for a plurality of financial transactions in a database, the transaction data including user transaction data for a user having a plurality of different accounts, wherein the plurality of financial transactions comprises bank account transactions and credit card transactions;

storing category codes usable to categorize the financial transactions into a plurality of categories, wherein the bank account transactions are associated with banking transaction codes and the credit card transactions are associated with credit card transaction codes and the category codes;

categorizing the plurality of financial transactions into a plurality of categories based on the transaction data, the banking transaction codes, the credit card transaction codes, and the category codes, wherein the plurality of categories include different merchant categories;

receiving a request from the user to display the user transaction data;

receiving user selections to customize content of a first report showing the user transaction data regarding the financial transactions;

retrieving the user transaction data and the category codes from the database system;

generating the first report showing the user transaction data regarding the financial transactions, the first report showing the categorization of the plurality of financial transactions into the plurality of categories, the first report being customized in accordance with the user selections, the first report including links associated with the plurality of different categories which may be selected by the user for further user interaction with the first report; and

providing a display of the first report to the user;

recategorizing a transaction to a different one of the plurality of categories responsive to a user input;

the plurality of categories to associate a merchant associated with the transaction with the different one of the plurality of categories according to the reclassification by the user, and the server system further recategorizes historical financial transactions involving the merchant based on the reclassification of the transaction by the user and categorizes future financial transactions involving the merchant based on the reclassification of the transaction by the user; and

updating the first report based on the user selecting which of the plurality of financial accounts are to be included in the first report and includes the reclassification by the user to generate a second report;

wherein the plurality of category codes are usable to categorize the credit card transactions into a plurality of categories including at least one of airlines, auto and gas, education, groceries, health care, services, lodging, restaurants, retail, and non-categorized transactions, and wherein the second report is a default report shown to the user upon a second request from the user to display the user transaction data.

6. The method of claim 5, further comprising:

receiving the user selections from the user via the Internet through a browser application; and

displaying the report as part of a web page via the Internet.

7. The method of claim 5, further comprising:

providing links associated with the plurality of categories which are selected by the user for further user interaction with the report.

8. The method of claim 5, further comprising:

updating the plurality of categories in real time during communication with the user;

wherein the plurality of categories include categories associated with different types of merchants.

9. A data management system comprising:

a database system comprising a database, the database system being configured to store;

transaction data for a plurality of different financial transactions, the transaction data including user transaction data for a user having a plurality of different accounts, wherein the plurality of different financial transactions comprise bank account transactions and credit card transactions, and

category codes usable to categorize the financial transactions into a plurality of categories, wherein the bank account transactions are associated with banking transaction codes and the credit card transactions are associated with credit card transaction codes and the category codes; and

a server system comprising a server, the server system being coupled to the database system, wherein the server system;

categorizes the plurality of financial transactions into a plurality of categories based on the transaction data, the banking transaction codes, the credit card transaction codes, and the category codes, the plurality of categories including categories associated with different types of merchants;

receives a request from the user to display the user transaction data;

receives user selections to customize content of a first report showing the user transaction data regarding the financial transactions;

retrieves the user transaction data and the category codes from the database system;

generates the first report showing the user transaction data regarding the financial transactions, the first report showing the categorization of the plurality of financial transactions into the plurality of categories the first report being customized in accordance with the user selections, the first report including links associated with the plurality of different categories which may be selected by the user for further user interaction with the first report;

provides a display of the first report to the user;

receives a user input recategorizing a transaction to a different one of the plurality of categories, the transaction being associated with a merchant;

updates the first report to reflect the recategorization of the transaction; and

updates the plurality of categories to associate a merchant associated with the transaction with the different one of the plurality of categories according to the reclassification by the user, recategorizes historical financial transactions involving the merchant based on the reclassification of the transaction by the user and categorizes future financial transactions involving the merchant based on the reclassification of the transaction by the user; and

updates the first report based on the user selecting which of the plurality of financial accounts are to be included in the first report and includes the reclassification by the user to generate a second report;

wherein the plurality of category codes are usable to categorize the credit card transactions into a plurality of categories including at least one of airlines, auto and gas, education, groceries, health care, services, lodging, restaurants, retail, and non-categorized transactions, and wherein the second report is a default report shown to the user upon a second request from the user to display the user transaction data.

10. The system of claim 9, wherein the server system is further configured to

receive user selections to customize content of the report;

wherein the report is customized in accordance with the user selections.

11. The system of claim 9, wherein the server system is further configured to receive a user-created custom category and update the plurality of categories to include the user-created custom category.

12. The system of claim 9,

wherein the plurality of different categories include at least one of airlines, auto and gas, education, groceries, health care, services, lodging, restaurants, retail, and non-categorized transactions.

13. The system of claim 9,

wherein the user selections are received from the user via the Internet through a browser application;

and

wherein the report is displayed by the browser application as part of a web page via the Internet.