METHOD AND SYSTEM FOR MANAGING PERSONAL AND FINANCIAL INFORMATION

• US 20090254476A1
• Filed: 04/04/2008
• Published: 10/08/2009
• Est. Priority Date: 04/04/2008
• Status: Abandoned Application

• Current Assignee: Quickreceipt Solutions Incorporated
• Original Assignee: Quickreceipt Solutions Incorporated
• Inventors: Sharma, Umesh, Meyburgh, Albert, Mearns, Lane, Zimmerman, Lewis, Desai, Naresh
• Application Number:
  US12/098,358
• Publication Number:
  US 20090254476A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A system and method for managing personal and financial information is provided. The method involves: receiving financial transaction information for a purchase of the user, together with at least one attribute associated with the financial transaction information; storing the financial transaction information in association with the at least one attribute; and making the financial transaction information available for use under the control of the user. The attribute may be a financial account identifier, a financial account type, a purchase type or a purchase identifier. The method may also involve receiving a purchase location attribute defining a location for the purchase; determining a current location associated with a user mobile device using a global positioning system; and transmitting, if the purchase location attribute does not match the current location, a message to the mobile device for fraud detection purposes.

Claims

1. A method of managing personal and financial information of a user having a user profile, the method comprising:

(a) receiving financial transaction information for a purchase of the user, together with at least one attribute associated with said financial transaction information;

(b) storing said financial transaction information in association with said at least one attribute; and

(c) making said financial transaction information available for use under the control of the user.

2. The method of claim 1 wherein receiving financial transaction information for a purchase of the user, together with at least one attribute associated with said financial transaction information, comprises receiving at least one financial accounting attribute.

3. The method of claim 2 wherein receiving at least one financial accounting attribute comprises receiving said at least one financial accounting attribute selected from the group consisting of:

financial account identifier, financial account type, charge type and purchase identifier.

4. The method of claim 2 wherein receiving at least one financial accounting attribute comprises receiving said at least one financial accounting attribute created in response to at least one prompt presented when said purchase is being made.

5. The method of claim 4 wherein receiving said at least one financial accounting attribute created in response to at least one prompt presented when said purchase is being made comprises presenting a menu of financial accounting attributes to the user for selection by the user.

6. The method of claim 2 wherein receiving financial transaction information for a purchase of the user, together with at least one attribute associated with said financial transaction information, comprises receiving said financial transaction information together with said at least one financial accounting attribute when said purchase is being made.

7. The method of claim 1 further comprising receiving a purchase location attribute defining a location for said purchase.

8. The method of claim 7 wherein receiving a purchase location attribute defining a location for said purchase comprises receiving said purchase location attribute when said purchase is being attempted.

9. The method of claim 8 further comprising transmitting a user notification to the user indicating that said purchase is being attempted.

10. The method of claim 8 further comprising determining a user location associated with the user.

11. The method of claim 10 wherein determining a user location associated with the user comprises determining a current location of a mobile device specified in the user profile.

12. The method of claim 11 wherein determining a current location of a mobile device specified in the user profile comprises using a global positioning system.

13. The method of claim 11 further comprising transmitting, if said purchase location attribute does not match said current location, a message to said mobile device indicating that said purchase is being attempted.

14. The method of claim 13 further comprising transmitting a merchant notification to a merchant associated with said purchase location attribute.

15. The method of claim 1 further comprising making available to the user a notification produced in response to a request for the issuance by a government institution of a personal identity document associated with the user.

16. The method of claim 1 further comprising receiving financial transactions information for a plurality of purchases of the user, receiving financial account statement information of the user, and making available for use under the control of the user one or more reports created on the basis of at least one of said financial transactions information and said financial account statement information.

17. The method of claim 16 wherein making available for use under the control of the user one or more reports created on the basis of at least one of said financial transactions information and said financial account statement information comprises performing an operation selected from the group consisting of:

providing secure electronic access to the user for viewing said one or more reports, providing secure electronic access to the user for downloading said one or more reports, and securely transmitting said one or more reports to a recipient specified by the user.

18. The method of claim 1 further comprising transmitting to a merchant, at the time said purchase is being made from said merchant, an alias associated with the user.

19. A computer program product comprising computer executable instructions embodied in a signal bearing medium for performing a method of managing personal and financial information of a user having a user profile, the method comprising:

(a) receiving financial transaction information for a purchase of the user, together with at least one attribute associated with said financial transaction information;

(b) storing said financial transaction information in association with said at least one attribute; and

(c) making said financial transaction information available for use under the control of the user.

20. A system for managing personal and financial information of a user having a user profile, the system comprising:

(a) receiving means for receiving financial transaction information for a purchase of the user, together with at least one attribute associated with said financial transaction information;

(b) database storage means for storing said financial transaction information in association with said at least one attribute; and

(c) internet presence means for making said financial transaction information available for use under the control of the user.