Thematic repositories for transaction management

• US 10,366,457 B2
• Filed: 02/15/2017
• Issued: 07/30/2019
• Est. Priority Date: 03/09/2013
• Status: Active Grant

• Current Assignee: Paybook, Inc.
• Original Assignee: Paybook, Inc.
• Inventors: Rojas, Gerardo Trevino
• Primary Examiner(s): Iwarere, Oluseye
• Application Number:
  US15/433,966
• Publication Number:
  US 20170161844A1
• Time in Patent Office: 895 Days
• Field of Search: 705 30, 705 34
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

Techniques for utilizing thematic repositories for transaction management are described herein. The techniques may include receiving data associated with at least one transaction, and associating at least a subset of the data with at least one thematic repository of a plurality of thematic repositories. An individual thematic repository of the plurality of thematic repositories may be configured to aggregate data from a plurality of transactions that are individually determined to be associated with a theme of the individual thematic repository.

Claims

1. A method comprising:

under control of one or more processors,

receiving information associated with a first financial transaction of a plurality of financial transactions, the first financial transaction being associated with a user;

determining, based on the information associated with the first financial transaction, that the first financial transaction is associated with a first theme and a second theme;

designating at least a portion of the information associated with the first financial transaction to a first thematic repository of one or more thematic repositories, the first thematic repository configured to provide a first aggregation of information associated with a plurality of financial transactions that are individually determined to be associated with the first theme;

designating at least a portion of the information associated with the first financial transaction to a second thematic repository of the one or more thematic repositories, the second thematic repository configured to provide a second aggregation of information associated with the plurality of financial transactions that are individually determined to be associated with the second theme;

in response to a request related to the first financial transaction, providing at least an indication that the first financial transaction is associated with the first theme and the second theme;

creating a user account and a user profile for a user, the user profile associated with the user account;

in response to receiving a request to share information associated with the user profile, allowing access to at least a portion of the information associated with the user profile; and

in response to receiving a request to publish information associated with the user profile, publishing at least a portion of the information associated with the user profile.

2. The method of claim 1, wherein information associated with the user profile includes the first thematic repository and the first financial transaction.

3. The method of claim 2, wherein the information associated with the user profile further includes at least one of information associated with an identity of the user or data analytics associated with the first financial transaction.

4. The method of claim 1, wherein information associated with the user profile includes the second thematic repository and a second financial transaction, the second financial transaction being associated with the first theme and the second theme.

5. The method of claim 4, wherein the information associated with the user profile further includes at least one of information associated with an identity of the user or data analytics associated with the second financial transaction.

6. The method of claim 1, further comprising, in response to receiving a request to publish at least some information associated with the user profile, publishing at least one of the at least one of the first thematic repository or the second thematic repository such that at least a subset of data aggregated by the at least one thematic repository is accessible to multiple entities via at least one other user account, the at least one other user account being configured to provide thematic repository functionality.

7. The method of claim 4, wherein the first user is an employee of the second user.

8. The method of claim 1, further comprising creating a second profile for the user.

9. The method of claim 1, further comprising generating a user interface that provides an indication that at least the portion of the information designated to the first thematic repository is associated with the first thematic repository.

10. One or more computer-readable media having computer-readable instructions therein that, when executed by one or more processors, cause the one or more processors to perform acts comprising:

receiving information associated with a first financial transaction of a plurality of financial transactions, the first financial transaction being associated with a user;

determining, based on the information associated with the first financial transaction, that the first financial transaction is associated with a first theme and a second theme;

designating at least a portion of the information associated with the first financial transaction to a first thematic repository of one or more thematic repositories, the first thematic repository configured to provide a first aggregation of information associated with a plurality of financial transactions that are individually determined to be associated with the first theme;

designating at least a portion of the information associated with the first financial transaction to a second thematic repository of the one or more thematic repositories, the second thematic repository configured to provide a second aggregation of information associated with the plurality of financial transactions that are individually determined to be associated with the second theme;

in response to a request related to the first financial transaction, providing at least an indication that the first financial transaction is associated with the first theme and the second theme;

creating a user account and a user profile for a user, the user profile associated with the user account;

in response to receiving a request to share information associated with the user profile, allowing access to at least a portion of the information associated with the user profile; and

in response to receiving a request to publish information associated with the user profile, publishing at least a portion of the information associated with the user profile.

11. The one or more computer-readable media of claim 10, wherein the user is a first user, and further comprising, in response to receiving a request from the first user to associate the first user with a second user profile of a second user, associating the first user with the second user profile of the second user.

12. The one or more computer-readable media of claim 11, wherein information associated with the second user profile includes the first thematic repository and a second financial transaction.

13. The one or more computer-readable media of claim 12, wherein the information associated with the second user profile further includes at least one of information associated with an identity of the second user or data analytics associated with the second financial transaction.

14. The one or more computer-readable media of claim 11, wherein information associated with the second user profile includes the second thematic repository and a second financial transaction, the second financial transaction being associated with the first theme and the second theme.

15. The one or more computer-readable media of claim 14, wherein the information associated with the second user profile further includes at least one of information associated with an identity of the second user or data analytics associated with the second financial transaction.

16. The one or more computer-readable media of claim 11, the acts further comprising, in response to receiving a request to share information associated with the second user profile of the second user, allowing access to at least a portion of the information associated with the second user profile of the second user.

17. The one or more computer-readable media of claim 11, further comprising, in response to receiving a request to publish information associated with the second user profile of the second user, publishing at least a portion of the information associated with the second user profile of the second user.

18. The one or more computer-readable media of claim 10, wherein designating at least the portion of the information is based at least in part on a financial transaction being tagged as associated with a particular thematic repository.

19. The method of claim 10, further comprising generating a user interface that provides an indication that at least the portion of the information designated to the first thematic repository is associated with the first thematic repository.

20. The one or more computer-readable media of claim 10, the acts further comprising:

determining the share of the first financial transaction for which the first user is responsible and a second user is responsible;

determining the amount the first user owes the second user or the amount the second user owes the first user; and

causing a transfer of the amount the first user owes the second user from a user account of the first user to a user account of the second user, or causing a transfer of the amount the second user owes the first user from the user account of the second user to the user account of the first user.