Systems and methods for interactive financial categorization and budgeting
First Claim
1. A computer-implemented method of managing personal financial accounts, comprising:
- retrieving, by a computing system, account information associated with a financial account of a user, the account information comprising a plurality of transactions, each transaction being categorizable into at least one of three budget categories;
providing, by the computing system, a user interface to display graphical representations of at least a portion of the plurality of transactions and at least one of the three budget categories, the graphical representations of at least a portion of the plurality of transactions including a first transaction graphic representing a first transaction of the plurality of transactions, the graphical representations of the three budget categories including a first budget category graphic representing a first budget category and a second budget category graphic representing a second budget category, the first budget category graphic and the second budget category graphic being separated by a barrier;
receiving, by the computing system, an input from the user to categorize the first transaction into one or more of the three budget categories graphically represented on the user interface, wherein the input comprises a drag-and-drop of the first transaction graphic over the barrier onto at least part of the first budget category graphic and part of the second budget category graphic;
updating the first transaction graphic to split the transaction graphic into a first portion corresponding to the first budget category graphic and a second portion corresponding to the second budget category graphic;
determining a first percentage of the first transaction graphic that overlaps the first budget category graphic and a second percentage of the first transaction graphic that overlaps the second budget category graphic when the first transaction graphic is dropped during the input based on a proportion of the first portion and the second portion;
categorizing a first portion of a total amount of the first transaction into the first budget category, the first portion of the total amount corresponding to the first percentage;
categorizing a second portion of the total amount of the first transaction into the second budget category, the second portion of the total amount corresponding to the second percentage; and
updating, by the computing system, the user interface to reflect the categorization of the transaction.
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Accused Products
Abstract
A computer-implemented method of managing personal financial accounts includes retrieving account information associated with a financial account of a user. The account information includes a plurality of transactions and no more than three budget categories. The method also includes providing a user interface to display graphical representations of at least a portion of the plurality of transactions and at least a portion of the budget categories. In addition, the method includes receiving a first input from the user categorizing one of the transactions into one or more of the plurality of budget categories. Further, the method includes updating the user interface to reflect the categorization of the transaction.
110 Citations
21 Claims
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1. A computer-implemented method of managing personal financial accounts, comprising:
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retrieving, by a computing system, account information associated with a financial account of a user, the account information comprising a plurality of transactions, each transaction being categorizable into at least one of three budget categories; providing, by the computing system, a user interface to display graphical representations of at least a portion of the plurality of transactions and at least one of the three budget categories, the graphical representations of at least a portion of the plurality of transactions including a first transaction graphic representing a first transaction of the plurality of transactions, the graphical representations of the three budget categories including a first budget category graphic representing a first budget category and a second budget category graphic representing a second budget category, the first budget category graphic and the second budget category graphic being separated by a barrier; receiving, by the computing system, an input from the user to categorize the first transaction into one or more of the three budget categories graphically represented on the user interface, wherein the input comprises a drag-and-drop of the first transaction graphic over the barrier onto at least part of the first budget category graphic and part of the second budget category graphic; updating the first transaction graphic to split the transaction graphic into a first portion corresponding to the first budget category graphic and a second portion corresponding to the second budget category graphic; determining a first percentage of the first transaction graphic that overlaps the first budget category graphic and a second percentage of the first transaction graphic that overlaps the second budget category graphic when the first transaction graphic is dropped during the input based on a proportion of the first portion and the second portion; categorizing a first portion of a total amount of the first transaction into the first budget category, the first portion of the total amount corresponding to the first percentage; categorizing a second portion of the total amount of the first transaction into the second budget category, the second portion of the total amount corresponding to the second percentage; and updating, by the computing system, the user interface to reflect the categorization of the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A system for managing personal financial accounts, including:
a processor and program logic stored in memory and executed by the processor, the program logic including; account management logic configured to retrieve account information associated with a financial account of a user, the account information comprising a plurality of transactions, each transaction being categorizable into at least one of three budget categories; and personal financial management logic coupled to the account management logic and configured to; provide a user interface to display graphical representations of at least a portion of the plurality of transactions and at least one of the three budget categories; receive an input from the user categorizing one of the transactions graphically represented on the user interface into one or more of the three budget categories, wherein the input comprises a drag-and-drop of a transaction graphic corresponding to the transaction over a barrier, the barrier separating a first budget category graphic and a second budget category graphic, and into a portion of the first budget category graphic and a portion of the second budget category graphic, the first budget category graphic corresponding to a first budget category and the second budget category graphic corresponding to a second budget category of the three budget categories represented on the user interface; update the transaction graphic to split the transaction graphic into a first portion corresponding to the first budget category graphic and a second portion corresponding to the second budget category graphic; determine a percentage of the transaction graphic overlapping the first budget category graphic and the second budget category graphic when the transaction graphic is dropped during the input based on a proportion of the first portion and the second portion; determine, based on the percentage of the transaction graphic overlapping the first budget category graphic and the second budget category graphic, a portion of the transaction to attribute to the first budget category and the second budget category; and update the user interface to reflect the categorization of the transaction. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19, 20)
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21. A system for managing personal financial accounts, including:
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a smartphone comprising a display device; and a processor and program logic stored in memory and executed by the processor, the program logic including; account management logic configured to retrieve account information associated with a financial account of a user, the account information comprising a plurality of transactions, each of which are categorizable into at least one of three budget categories; and personal financial management logic coupled to the account management logic and configured to; provide, to the smartphone via the display device, a user interface to display graphical representations of at least a portion of the plurality of transactions and at least one of the three budget categories; receive, via the smartphone, an input from the user categorizing one of the transactions graphically represented on the user interface into one or more of the three budget categories graphically represented on the user interface, wherein the input comprises a drag-and-drop of a transaction graphic corresponding to the transaction over a barrier, the barrier separating a first budget category graphic and a second budget category graphic, and into a portion of the first budget category graphic and a portion of the second budget category graphic, the first budget category graphic corresponding to a first budget category and the second budget category graphic corresponding to a second budget category of the three budget categories represented on the user interface, wherein the input comprises a drag-and-drop of the transaction graphic over the barrier onto at least part of the first budget category graphic and part of the second budget category graphic; update the transaction graphic to split the transaction graphic into a first portion corresponding to the first budget category graphic and a second portion corresponding to the second budget category graphic; determine a percentage of the transaction graphic overlapping the first budget category graphic and the second budget category graphic when the transaction graphic is dropped during the input based on a proportion of the first portion and the second portion; determine, based on the percentage of the transaction graphic overlapping the first budget category graphic and the second budget category graphic, a portion of the transaction to attribute to the first budget category and the second budget category; and update, via the display device of the smartphone, the user interface to reflect the categorization of the transaction.
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Specification