Method for reconciling a financial account from a portable account register
First Claim
1. A method for reconciling a financial account of a user from a portable user electronic account register device, comprising:
- entering user financial transaction data on said portable electronic account register;
uploading said transactions entered by said user as uploaded data to a personal computer;
accessing on said personal computer, from said uploaded data, a user list of said transactions entered by said user on said portable user electronic account register device;
downloading from a financial institution computer to said personal computer a financial institution list of transactions from a financial institution;
comparing, on said personal computer, said user list and said financial institution list item by item;
providing a reconciliation function for each item on both of said lists;
downloading reconciliation information from said personal computer to on said user electronic account register device;
comparing said transactions to match transactions on said financial institution list to transactions on said user list;
identifying matched transactions;
providing said matched transactions to a separate matched transaction field in a user display;
identifying unmatched transactions;
attempting to match said unmatched transactions, absent user input, according to predetermined criteria to provide proposed matches;
presenting said proposed matches to said user in said matched transaction field of said user display;
marking said proposed matches so that said user can see that they are not exact matches;
presenting unmatched items to said user in a separate unmatched transaction field of said user display;
accepting, on an item by item basis, a confirmation of said proposed matches by said user.
1 Assignment
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Accused Products
Abstract
A method for reconciling a financial account of a user on a user device. A user list of transactions that have been entered by the user are accessed. A list of transactions from a financial institution is downloaded. The financial institution list is stored on the user device, and then compared with the user list, item by item. A reconciliation function is provided for each item on both of the lists. In one embodiment, a separate display of the cleared balance is provided, a single link button is provided to enable the upload of the register contents to a computer for reconciliation or for archiving and a memory attachment, such as a USB memory key, is also provided for archiving and/or additional program capabilities.
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Citations
15 Claims
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1. A method for reconciling a financial account of a user from a portable user electronic account register device, comprising:
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entering user financial transaction data on said portable electronic account register; uploading said transactions entered by said user as uploaded data to a personal computer; accessing on said personal computer, from said uploaded data, a user list of said transactions entered by said user on said portable user electronic account register device; downloading from a financial institution computer to said personal computer a financial institution list of transactions from a financial institution; comparing, on said personal computer, said user list and said financial institution list item by item; providing a reconciliation function for each item on both of said lists; downloading reconciliation information from said personal computer to on said user electronic account register device; comparing said transactions to match transactions on said financial institution list to transactions on said user list; identifying matched transactions; providing said matched transactions to a separate matched transaction field in a user display; identifying unmatched transactions; attempting to match said unmatched transactions, absent user input, according to predetermined criteria to provide proposed matches; presenting said proposed matches to said user in said matched transaction field of said user display; marking said proposed matches so that said user can see that they are not exact matches; presenting unmatched items to said user in a separate unmatched transaction field of said user display; accepting, on an item by item basis, a confirmation of said proposed matches by said user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for reconciling a financial account of a user from a portable user electronic account register device, comprising:
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entering user financial transaction data on said portable electronic account register; uploading said transactions entered by said user as uploaded data to a personal computer; accessing on said personal computer, from said uploaded data, a user list of said transactions entered by said user on said portable user electronic account register device; downloading from a financial institution computer to said personal computer a financial institution list of transactions from a financial institution; comparing, on said personal computer, said user list and said financial institution list item by item; providing a reconciliation function for each item on both of said lists; comparing said transactions to match transactions on said financial institution list to transactions on said user list; identifying matched transactions; providing said matched transactions to a separate matched transaction field in a user display; identifying unmatched transactions; attempting to match said unmatched transactions, absent user input, according to predetermined criteria to provide proposed matches; presenting said proposed matches to said user in said matched transaction field of said user display; marking said proposed matches so that said user can see that they are not exact matches; presenting unmatched items to said user in a separate unmatched transaction field of said user display; accepting, on an item by item basis, a confirmation of said proposed matches by said user; presenting to said user a first group of transactions on said user list, but not on said financial institution list; presenting to said user a second group of transactions on said financial institution list but not on said user list; providing said user input capability for matching items from said first and second groups; providing an indication whether an item has been cleared for each item upon completion of said reconciliation function; and downloading reconciliation information from said personal computer to said user electronic account register device. - View Dependent Claims (14)
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15. A method for reconciling a financial account of a user from a portable user electronic account register device, comprising:
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entering user financial transaction data on said portable electronic account register; providing a drop down list of preferred payees in a description field of a display on said portable electronic account register; populating a transaction number field of said display with a next sequential transaction number; allowing said user to override said next sequential transaction number; uploading said transactions entered by said user as uploaded data to a personal computer; accessing on said personal computer, from said uploaded data, a user list of said transactions entered by said user on said portable user electronic account register device; downloading from a financial institution computer to said personal computer a financial institution list of transactions from a financial institution; comparing, on said personal computer, said user list and said financial institution list item by item; providing a reconciliation function for each item on both of said lists; comparing said transactions to match transactions on said financial institution list to transactions on said user list; identifying matched transactions; providing said matched transactions to a separate matched transaction field in a user display; identifying unmatched transactions; attempting to match said unmatched transactions, absent user input, according to predetermined criteria to provide proposed matches; presenting said proposed matches to said user in said matched transaction field of said user display; marking said proposed matches so that said user can see that they are not exact matches; presenting unmatched items to said user in a separate unmatched transaction field of said user display; accepting, on an item by item basis, a confirmation of said proposed matches by said user; presenting to said user a first group of transactions on said user list, but not on said financial institution list; presenting to said user a second group of transactions on said financial institution list but not on said user list; providing said user input capability for matching items from said first and second groups; providing an indication whether an item has been cleared for each item upon completion of said reconciliation function; downloading an indication of cleared items to said account register; and downloading to said account register items in said financial institution list and not in said account register; displaying a balance of cleared items on a cleared balance display.
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Specification