Method and apparatus for facilitating data management over a network

• US 20060036586A1
• Filed: 04/26/2005
• Published: 02/16/2006
• 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: Mackouse, Jack, Rhein, Kevin, Yee, Kathy, Hoople, Elizabeth, Kolling, Pearl, Krakowiecki, Matthew
• Granted Patent: US 7,451,134 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• 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 preferred 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 method for facilitating data management over a network, comprising the steps of:

receiving a request to display aggregate transaction data for a user, said aggregate transaction data containing data related to a plurality of disparate transactions organized into a plurality of categories based on category codes and transaction codes associated with each transaction of said plurality of disparate transactions;

retrieving said aggregate transaction data from a database; and

generating a report containing said aggregate transaction data and displaying said report in a user interface area for said user.

2. The method according to claim 1, further comprising the steps of:

retrieving said each transaction from a plurality of disparate data sources;

retrieving said category codes and said transaction codes associated with said each transaction;

aggregating said plurality of disparate transactions into said plurality of categories using said category codes and said transaction codes to obtain said aggregate transaction data; and

storing said aggregate transaction data in said database.

3. The method according to claim 1, wherein said plurality of disparate transactions further comprises credit card transactions.

4. The method according to claim 1, wherein said plurality of disparate transactions further comprises banking transactions.

5. The method according to claim 3, wherein each credit card transaction of said credit card transactions further comprises any of a description of said transaction, an amount of said transaction, a location and date of said transaction, and a predetermined credit card transaction code.

6. The method according to claim 4, wherein said banking transactions further comprise any of debit account transactions, ATM transactions, check transactions, fund transfer transactions, non-card withdrawal transactions, and electronic bill payment transactions.

7. The method according to claim 2, wherein said step of retrieving said each transaction from said plurality of disparate data sources is performed in real-time during communications with said user.

8. The method according to claim 2, wherein said step of retrieving said category codes and said transaction codes associated with said each transaction is performed in real-time during communications with said user.

9. The method according to claim 1, further comprising the steps of:

retrieving user information, data access preferences and communication preferences associated with said user; and

determining whether said user is entitled to receive said aggregate transaction data based on said user information, said data access preferences, and said communication preferences.

10. A method for facilitating data management over a network, comprising the steps of:

facilitating selection of a link to request display of aggregate transaction data for a user, said aggregate transaction data containing data related to a plurality of disparate transactions organized into a plurality of categories based on category codes and transaction codes associated with each transaction of said plurality of disparate transactions; and

facilitating real-time communication of a report generated to contain said aggregate transaction data and display of said report in a user interface area for said user.

11. The method according to claim 10, further comprising the steps of:

presenting a report window containing said report within said user interface area; and

facilitating selection of a report link in said report window, said report link being configured to request display of detailed transaction data.

12. The method according to claim 11, further comprising the steps of:

responsive to said selection of said report link, presenting an option window in said user interface area, said option window further comprising a plurality of customizing report options to enable said display of said detailed transaction data; and

facilitating selection of at least one customizing report option of said plurality of report options.

13. The method according to claim 12, further comprising the steps of:

responsive to said selection of said at least one customizing report option, generating a customized report; and

facilitating display of said customized report for said user within a customized report window of said user interface area.

14. A machine-readable medium containing executable instructions, which, when executed in a processing system, cause said processing system to perform a method for facilitating data management over a network, said method comprising the steps of:

receiving a request to display aggregate transaction data for a user, said aggregate transaction data containing data related to a plurality of disparate transactions organized into a plurality of categories based on category codes and transaction codes associated with each transaction of said plurality of disparate transactions;

retrieving said aggregate transaction data from a database; and

generating a report containing said aggregate transaction data and displaying said report in a user interface area for said user.

15. The machine-readable medium according to claim 14, wherein said method further comprises the steps of:

retrieving said each transaction from a plurality of disparate data sources;

retrieving said category codes and said transaction codes associated with said each transaction;

aggregating said plurality of disparate transactions into said plurality of categories using said category codes and said transaction codes to obtain said aggregate transaction data; and

storing said aggregate transaction data in said database.

16. A machine-readable medium containing executable instructions, which, when executed in a processing system, cause said processing system to perform a method for facilitating data management over a network, said method comprising the steps of:

facilitating selection of a link to request display of aggregate transaction data for a user, said aggregate transaction data containing data related to a plurality of disparate transactions organized into a plurality of categories based on category codes and transaction codes associated with each transaction of said plurality of disparate transactions; and

facilitating real-time communication of a report generated to contain said aggregate transaction data and display of said report in a user interface area for said user.

17. The machine-readable medium according to claim 16, wherein said method further comprises the steps of:

presenting a report window containing said report within said user interface area; and

facilitating selection of a report link in said report window, said report link being configured to request display of detailed transaction data.

18. The machine-readable medium according to claim 17, wherein said method further comprises the steps of:

responsive to said selection of said report link, presenting an option window in said user interface area, said option window further comprising a plurality of customizing report options to enable said display of said detailed transaction data; and

facilitating selection of at least one customizing report option of said plurality of report options.

19. The machine-readable medium according to claim 18, wherein said method further comprises the steps of:

responsive to said selection of said at least one customizing report option, generating a customized report; and

facilitating display of said customized report for said user within a customized report window of said user interface area.

20. A system for facilitating data management over a network, comprising:

means for receiving a request to display aggregate transaction data for a user, said aggregate transaction data containing data related to a plurality of disparate transactions organized into a plurality of categories based on category codes and transaction codes associated with each transaction of said plurality of disparate transactions;

means for retrieving said aggregate transaction data from a database; and

means for generating a report containing said aggregate transaction data and displaying said report in a user interface area for said user.

21. A system for facilitating data management over a network, comprising:

means for facilitating selection of a link to request display of aggregate transaction data for a user, said aggregate transaction data containing data related to a plurality of disparate transactions organized into a plurality of categories based on category codes and transaction codes associated with each transaction of said plurality of disparate transactions; and

means for facilitating real-time communication of a report generated to contain said aggregate transaction data and display of said report in a user interface area for said user.

22. A system for facilitating data management over a network, comprising:

a database for storing aggregate transaction data containing data related to a plurality of disparate transactions organized into a plurality of categories based on category codes and transaction codes associated with each transaction of said plurality of disparate transactions; and

at least one management server for receiving a request to display said aggregate transaction data for a user, for retrieving said aggregate transaction data from said database, and for generating a report containing said aggregate transaction data and displaying said report in a user interface area for said user.

23. The system according to claim 22, wherein said at least one management server retrieves said each transaction from a plurality of disparate data sources, retrieves said category codes and said transaction codes associated with said each transaction, aggregates said plurality of disparate transactions into said plurality of categories using said category codes and said transaction codes to obtain said aggregate transaction data, and stores said aggregate transaction data in said database.

24. The system according to claim 22, wherein said at least one management server retrieves user information, data access preferences and communication preferences associated with said user, and determines whether said user is entitled to receive said aggregate transaction data based on said user information, said data access preferences, and said communication preferences.

25. A system for facilitating data management over a network, comprising:

a database for storing aggregate transaction data containing data related to a plurality of disparate transactions organized into a plurality of categories based on category codes and transaction codes associated with each transaction of said plurality of disparate transactions; and

at least one management server for facilitating selection of a link to request display of said aggregate transaction data for a user, and for facilitating real-time communication of a report generated to contain said aggregate transaction data and display of said report in a user interface area for said user.

26. The system according to claim 25, wherein said at least one management server presents a report window containing said report within said user interface area, and facilitates selection of a report link in said report window, said report link being configured to request display of detailed transaction data.

27. The system according to claim 26, wherein, responsive to said selection of said report link, said at least one management server presents an option window in said user interface area, said option window further comprising a plurality of customizing report options to enable said display of said detailed transaction data, and facilitates selection of at least one customizing report option of said plurality of report options.

28. The system according to claim 27, wherein, responsive to said selection of said at least one customizing report option, said at least one management server generates a customized report, and facilitates display of said customized report for said user within a customized report window of said user interface area.