METHOD, APPARATUS AND SYSTEM FOR AUTOMATICALLY GENERATING A REPORT

• US 20150095076A1
• Filed: 09/23/2014
• Published: 04/02/2015
• Est. Priority Date: 09/27/2013
• Status: Active Grant

• Current Assignee: Insperity Services LP (Insperity Incorporated)
• Original Assignee: Insperity Services LP (Insperity Incorporated)
• Inventors: Harold, Michelle, Breuer, Mark, Tangredi, John F
• Granted Patent: US 11,250,502 B2
• Time in Patent Office: Days
• US Class Current: 705/7.12
• CPC Class Codes: G06Q 10/0631 Resource planning, allocation, distributing or scheduling for enterprises or organisations
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• 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 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Embodiments herein provide for a method, system, and apparatus for automatically providing a report. Data associated with an activity relating to a user of an account is received. A determination is made as to whether the activity relates to funding of the account. In response to the activity relating to the funding, a determination is made as to whether the data indicates that a report is to be automatically generated based upon a predetermined rule. The report is automatically generated based upon determining that the data indicates that the report is to be automatically generated.

Claims

1. A non-transitory computer readable program storage unit encoded with instructions that, when executed by a computer, perform a method for automatically providing a report, comprising:

receiving data associated with an activity relating to a user of an account;

determining if said activity relates to funding of said account;

determining, in response to said activity relating to said funding, if said data indicates that a report is to be automatically generated based upon a predetermined rule; and

generating automatically, said report based upon determining that said data indicates that said report is to be automatically generated.

2. The non-transitory computer readable program storage unit of claim 1, wherein generating automatically said report comprises generating an expense report based upon conclusion of said activity of said user.

3. The non-transitory computer readable program storage unit of claim 1, wherein generating automatically said report comprises generating a finance report based upon a request for funding of said activity, for determining whether sufficient funds are available for funding said request.

4. The non-transitory computer readable program storage unit of claim 1, wherein generating automatically said report comprises automatically generating at least one of an expense report, a finance report, an earnings report;

a profit report, an insurance report, or a stock report.

5. The non-transitory computer readable program storage unit of claim 1, further comprising triggering the generation of said report based upon at least one of a completion of a business trip, a completion of a project, an expenditure, or a request for funding.

6. A method for providing an automated report, comprising:

receiving at least one rule for generating an automated report;

performing a transaction polling function based upon at least one of said rule, said transaction polling comprises polling at entity for acquiring a predetermined type of data;

detecting a transaction based upon said transaction polling;

determining whether to generate said automated report based upon said transaction and said rule;

determining a report-type in response to determining to generate said automated report; and

generating said automated report based upon said report type.

7. The method of claim 6, wherein determining said report type comprises determining whether said automated report is to be at least one of an expense report, a finance report, an earnings report;

a profit report, an insurance report, or a stock report.

8. The method of claim 6, wherein perform a transaction polling function based upon said rules comprises:

determining at least one type of transaction to poll based upon said rule;

acquiring activity data based upon transaction type to poll;

acquiring data relating to said type of transaction to poll;

determining whether data relating to said type of transaction to poll is relevant to said report type;

indicating that data for generating said automated report has been acquired; and

providing said data for generating said automated report.

9. An apparatus providing an automated report, comprising an automated report unit configured to:

receive at least one rule for generating an automated report;

perform a transaction polling function based upon said at least one rule, said transaction polling comprises acquiring a data relating to a transaction;

detect a transaction based upon said transaction polling;

determine whether to generate said automated report based upon said transaction and said rule;

determine a report type in response to determining to generate said automated report; and

generate said automated report based upon said report type.

10. The apparatus of claim 9, wherein said automated report unit comprises:

a report trigger module for triggering a report generation;

a report data acquisition module to acquire data for said report;

a report rules module for providing one or more rules for generating said report;

a report data processing module to process said data for generating said report based upon said one or more rules; and

a report generation module to generate said report.

11. The apparatus of claim 9, wherein said report trigger module comprises:

a transaction polling unit to poll at least one transaction for triggering a report generation;

a funds request detection module for detecting a funds request for triggering a report generation;

a funds transfer detection module for detecting a transfer of funds for triggering a report generation;

an expenditure detection module for detecting a expenditure transaction for triggering a report generation;

an event detection module for detecting an event for triggering a report generation; and

a report activity unit for performing at least one of initiating a acquisition of data or initiates the generation of said report.

12. A system for performing a transaction, said system comprising:

a card originator for providing a payment mechanism;

a card issuing entity in communication with said card originator, wherein said card issuing entity configured for providing funding for said payment mechanism;

a program manager in communication with said card issuing entity, said program manager configure for managing at least one funding operation of said system;

a card processor in communication with said program manager said card processor configured for processing a transaction of said payment mechanism;

a remote unit in communication with said program manager, said remote unit comprising a request unit for providing a funding request; and

an automated report unit configured to automatically generate a report based upon at least one rule and data associated with a transaction

13. The system of claim 12, wherein said automated report unit is further configure to:

receive at least one rule for generating an automated report;

perform a transaction polling function based upon said at least one rule, said transaction polling comprises acquiring a data relating to a transaction;

detect a transaction based upon said transaction polling;

determine whether to generate said automated report based upon said transaction and said rule;

determine a report type in response to determining to generate said automated report; and

generate said automated report based upon said report type.

14. The system of claim 12, wherein said card issuing entity is a bank.

15. The system of claim 12, wherein said user entity comprises:

a communications interface for providing for communications between said remote unit and at least one of said user entity or said program manager;

a card holder unit comprising a second request unit for providing said funding request; and

an administrator for administrating said funds request and said funding.

16. The system of claim 12, wherein said communications interface comprises at least one of:

a mobile device interface;

a cloud computing interface;

an Internet interface;

a program manager interface;

an Intranet interface;

a wireless interface;

or

a wired interface.

17. The system of claim 16, wherein said program interface comprises:

a payment set-up unit for setting up a funding payment;

an institution association unit associating a user with at least one institution;

a card assignment unit capable of assigning a payment mechanism to said user;

a group management unit to perform at least one of an approval, a prompt for modifying said request;

a user interface unit for interfacing with at least one user;

a funding unit to control at least one aspect of said funding;

a database comprising at least one of rules for funding;

information of a user;

or information relating to available funding; and

a program manager interface for interfacing at least with said user entity and a communications network.

18. The system of claim 12, wherein said user entity further comprises:

an approval unit to provide at least one of an approval or denial of said request;

an approval protocol module for providing at least one protocol for performing said approval or denial; and

a funds transfer unit for provide a transfer of funds to a payment mechanism.

19. The system of claim 12, wherein said payment mechanism is at least one of a debit card, a pre-paid card, a credit card, an electronic payment device;

a payment application capable of being executed in a mobile device, a tablet computer, a laptop computer, or a desktop computer.

20. The system of claim 12, wherein said report comprises automatically generating at least one of an expense report, a finance report, an earnings report;

a profit report, an insurance report, or a stock report.