Personalized Budgets for Financial Services
First Claim
1. A computer-implemented process for personalized financial budget tracking, the computer-implemented process comprising:
- receiving a request for a user purchase transaction, wherein the user purchase transaction is one of a purchase transaction and a payment transaction;
determining a payment method used for the request;
responsive to a determination of a payment method, determining whether the user purchase transaction is authorized;
responsive to a determination the user purchase transaction is authorized, determining whether personalized expense categories are activated;
responsive to a determination the personalized expense categories are activated, prompting for a category code; and
responsive to receiving the category code, tracking expenses using a personalization category code received, wherein the personalization category code received is associated with the user purchase transaction.
1 Assignment
0 Petitions
Accused Products
Abstract
An illustrative embodiment of a computer-implemented process for personalized financial budget tracking receives a request for a user purchase transaction, wherein the user purchase transaction is one of a purchase transaction and a payment transaction and responsive to a determination of a payment method, determines whether the user purchase transaction is authorized. Responsive to a determination the user purchase transaction is authorized, the computer-implemented process determines whether personalized expense categories are activated and responsive to a determination the personalized expense categories are activated, prompts for a category code. Responsive to receiving the category code, the computer-implemented process tracks expenses using a personalization category code received, wherein the personalization category code received is associated with the user purchase transaction.
-
Citations
20 Claims
-
1. A computer-implemented process for personalized financial budget tracking, the computer-implemented process comprising:
-
receiving a request for a user purchase transaction, wherein the user purchase transaction is one of a purchase transaction and a payment transaction; determining a payment method used for the request; responsive to a determination of a payment method, determining whether the user purchase transaction is authorized; responsive to a determination the user purchase transaction is authorized, determining whether personalized expense categories are activated; responsive to a determination the personalized expense categories are activated, prompting for a category code; and responsive to receiving the category code, tracking expenses using a personalization category code received, wherein the personalization category code received is associated with the user purchase transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 13)
-
-
8. A computer program product for personalized financial budget tracking, the computer program product comprising:
-
a computer recordable-type media containing computer executable program code stored thereon, the computer executable program code comprising; computer executable program code for receiving a request for a user purchase transaction, wherein the user purchase transaction is one of a purchase transaction and a payment transaction; computer executable program code for determining a payment method used for the request; computer executable program code responsive to determining a payment method, for determining whether the user purchase transaction is authorized; computer executable program code responsive to a determination the user purchase transaction is authorized for determining whether personalized expense categories are activated; computer executable program code responsive to a determination the personalized expense categories are activated, for prompting for a category code; and computer executable program code responsive to receiving the category code, tracking expenses using a personalization category code received, wherein the personalization category code received is associated with the user purchase transaction. - View Dependent Claims (9, 10, 11, 12, 14)
-
-
15. An apparatus for personalized financial budget tracking, the apparatus comprising:
-
a communications fabric; a memory connected to the communications fabric, wherein the memory contains computer executable program code; a communications unit connected to the communications fabric; an input/output unit connected to the communications fabric; a display connected to the communications fabric; and a processor unit connected to the communications fabric, wherein the processor unit executes the computer executable program code to direct the apparatus to; receive a request for a user purchase transaction, wherein the user purchase transaction is one of a purchase transaction and a payment transaction; determine a payment method used for the request; responsive to determining a payment method, determine whether the user purchase transaction is authorized; responsive to a determination the user purchase transaction is authorized, determine whether personalized expense categories are activated; responsive to a determination the personalized expense categories are activated;
prompt for a category code; andresponsive to receiving the category code, tracking expenses using a personalization category code, wherein the personalization category code received is associated with the user purchase transaction. - View Dependent Claims (16, 17, 18, 19, 20)
-
Specification