Automated financial register reconciliation in a combined user interface
First Claim
1. A computer-implemented method of presenting information about financial account transactions based upon data received from a first source describing a first group of transactions and data received from a second source describing a second group of transactions, the method comprising:
- receiving in the computer the data from the first source;
displaying information about the first-group transactions in a graphical user interface, wherein the graphical user interface is presented on a display device connected to the computer and is a tabularly formatted display of the first-group transactions;
receiving in the computer the data from the second source, wherein the second-group transactions have not been reconciled with regard to the first-group transactions, and wherein at least one first-group transaction and at least one second-group transaction are the same transaction;
displaying in the graphical user interface, without a separate user instruction to do so, information about the second-group transactions commingled with information about the first-group transactions;
classifying the second-group transactions based on probability of matching one of the first-group transactions, wherein the classifying is performed by the computer and without a separate user instruction to do so, and wherein said classifying further includesclassifying a second-group transaction as a guaranteed match transaction if the data describing that second-group transaction sufficiently correlates with the data describing a matched first-group transaction so as to ensure that the guaranteed match transaction and the matched first-group transaction are the same,classifying a second-group transaction as a probable match transaction if the data describing that second-group transaction does not sufficiently correlate with the data describing any of the first-group transactions to qualify that second-group transaction as a guaranteed match transaction, but does sufficiently correlate with the data describing a probably-matched first-group transaction to indicate that the probable match transaction and the probably-matched first-group transaction have a designated probability of being the same, andclassifying a second-group transaction as a probable new transaction if the data describing that second-group transaction does not sufficiently correlate with the data describing any of the first-group transactions to qualify that second-group transaction as a guaranteed match transaction or a probable match transaction;
calculating an account balance based on the first-group transactions and the second-group transactions without a separate user instruction to do so, whereinthe calculating is performed by the computer, andas to each probable match transaction, the account balance is calculated based on the amount of only one of the probable match transaction and the corresponding probably-matched first-group transaction; and
displaying the account balance in the graphical user interface.
2 Assignments
0 Petitions
Accused Products
Abstract
Unreconciled information regarding financial account transactions is received from multiple sources. Transactions identified in the information received from one of the sources are classified according to the probability of matching a transaction identified in information received from another source. Transactions identified in both sources are displayed in a common user interface, together with account balances adjusted for those transactions. The user is able to accept the classification, and as to at least some classes of transactions, change the classification or the matching transaction. The unaccepted transactions may be rendered so as to indicate their unaccepted state.
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Citations
21 Claims
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1. A computer-implemented method of presenting information about financial account transactions based upon data received from a first source describing a first group of transactions and data received from a second source describing a second group of transactions, the method comprising:
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receiving in the computer the data from the first source; displaying information about the first-group transactions in a graphical user interface, wherein the graphical user interface is presented on a display device connected to the computer and is a tabularly formatted display of the first-group transactions; receiving in the computer the data from the second source, wherein the second-group transactions have not been reconciled with regard to the first-group transactions, and wherein at least one first-group transaction and at least one second-group transaction are the same transaction; displaying in the graphical user interface, without a separate user instruction to do so, information about the second-group transactions commingled with information about the first-group transactions; classifying the second-group transactions based on probability of matching one of the first-group transactions, wherein the classifying is performed by the computer and without a separate user instruction to do so, and wherein said classifying further includes classifying a second-group transaction as a guaranteed match transaction if the data describing that second-group transaction sufficiently correlates with the data describing a matched first-group transaction so as to ensure that the guaranteed match transaction and the matched first-group transaction are the same, classifying a second-group transaction as a probable match transaction if the data describing that second-group transaction does not sufficiently correlate with the data describing any of the first-group transactions to qualify that second-group transaction as a guaranteed match transaction, but does sufficiently correlate with the data describing a probably-matched first-group transaction to indicate that the probable match transaction and the probably-matched first-group transaction have a designated probability of being the same, and classifying a second-group transaction as a probable new transaction if the data describing that second-group transaction does not sufficiently correlate with the data describing any of the first-group transactions to qualify that second-group transaction as a guaranteed match transaction or a probable match transaction; calculating an account balance based on the first-group transactions and the second-group transactions without a separate user instruction to do so, wherein the calculating is performed by the computer, and as to each probable match transaction, the account balance is calculated based on the amount of only one of the probable match transaction and the corresponding probably-matched first-group transaction; and displaying the account balance in the graphical user interface. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-readable medium having computer-executable instructions for performing steps of a computer-implemented method of presenting information about financial account transactions based upon data received from a first source describing a first group of transactions and data received from a second source describing a second group of transactions, the steps comprising:
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receiving in the computer the data from the first source; displaying information about the first-group transactions in a graphical user interface, wherein the graphical user interface is presented on a display device connected to the computer and is a tabularly formatted display of the first-group transactions; receiving in the computer the data from the second source, wherein the second-group transactions have not been reconciled with regard to the first-group transactions, and wherein at least one first-group transaction and at least one second-group transaction are the same transaction; displaying in the graphical user interface, without a separate user instruction to do so, information about the second-group transactions commingled with information about the first-group transactions; classifying the second-group transactions based on probability of matching one of the first-group transactions, wherein the classifying is performed by the computer and without a separate user instruction to do so, and wherein said classifying further includes classifying a second-group transaction as a guaranteed match transaction if the data describing that second-group transaction sufficiently correlates with the data describing a matched first-group transaction so as to ensure that the guaranteed match transaction and the matched first-group transaction are the same, classifying a second-group transaction as a probable match transaction if the data describing that second-group transaction does not sufficiently correlate with the data describing any of the first-group transactions to qualify that second-group transaction as a guaranteed match transaction, but does sufficiently correlate with the data describing a probably-matched first-group transaction to indicate that the probable match transaction and the probably-matched first-group transaction have a designated probability of being the same, and classifying a second-group transaction as a probable new transaction if the data describing that second-group transaction does not sufficiently correlate with the data describing any of the first-group transactions to qualify that second-group transaction as a guaranteed match transaction or a probable match transaction; calculating an account balance based on the first-group transactions and the second-group transactions without a separate user instruction to do so, wherein the calculating is performed by the computer, and as to each probable match transaction, the account balance is calculated based on the amount of only one of the probable match transaction and the corresponding probably-matched first-group transaction; and displaying the account balance is the graphical user interface. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system for presenting information about financial account transactions based upon data received from multiple sources, comprising:
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a display; a memory; and a processor in communication with the display and memory, and configured to perform steps of a method of presenting information about financial account transactions based upon data received from a first source describing a first group of transactions and data received from a second source describing a second group of transactions, the steps including receiving the data from the first source, displaying information about the first-group transactions in a graphical user interface, wherein the graphical user interface is presented on the display and is a tabularly formatted display of the first-group transactions, receiving the data from the second source, wherein the second-group transactions have not been reconciled with regard to the first-group transactions, and wherein at least one first-group transaction and at least one second-group transaction are the same transaction, displaying in the graphical user interface, without a separate user instruction to do so, information about the second-group transactions commingled with information about the first-group transactions, classifying the second-group transactions based on probability of matching one of the first-group transactions, wherein the classifying is performed without a separate user instruction to do so, and wherein said classifying further includes classifying a second-group transaction as a guaranteed match transaction if the data describing that second-group transaction sufficiently correlates with the data describing a matched first-group transaction so as to ensure that the guaranteed match transaction and the matched first-group transaction are the same, classifying a second-group transaction as a probable match transaction if the data describing that second-group transaction does not sufficiently correlate with the data describing any of the first-group transactions to qualify that second-group transaction as a guaranteed match transaction, but does sufficiently correlate with the data describing a probably-matched first-group transaction to indicate that the probable match transaction and the probably-matched first-group transaction have a designated probability of being the same, and classifying a second-group transaction as a probable new transaction if the data describing that second-group transaction does not sufficiently correlate with the data describing any of the first-group transactions to qualify that second-group transaction as a guaranteed match transaction or a probable match transaction, calculating an account balance based on the first-group transactions and the second-group transactions without a separate user instruction to do so wherein, as to each probable match transaction, the account balance is calculated based on the amount of only one of the probable match transaction and the corresponding probably-matched first-group transaction, and displaying the account balance in the graphical user interface. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification