Method and system for providing real-time financial goal monitoring and analysis
First Claim
1. A computing system implemented process for providing real-time financial goal monitoring and analysis comprising the following of which are each executed via any set of one or more processors:
- defining one or more financial or budgetary goals of a party, the one or more financial goals being associated with one or more financial categories for a defined period of time;
providing a merchant/category database, the merchant/category database associating one or more financial categories with one or more merchants;
accessing a given interface display of a given website of a given merchant;
responsive to accessing the interface display of a given website associated with the given merchant, determining which merchant is being displayed in the interface display based on Uniform Resource Locator data associated with the given website of the given merchant;
responsive to determining which merchant is being displayed, searching the merchant/category database to determine one or more financial categories associated with the given merchant;
responsive to determining one or more financial categories associated with the given merchant, accessing the data indicating the one or more financial or budgetary goals of the party associated with one or more financial categories for the defined period of time to obtain data indicating the one or more financial or budgetary goals;
obtaining current financial data associated with the party to determine the party'"'"'s accumulated spending for the defined period of time in the one or more financial categories associated with the given merchant;
analyzing the data indicating the party'"'"'s one or more financial or budgetary goals for the defined period of time and the current financial data associated with the party to generate data indicating a remaining balance associated with one or more of the one or more financial categories; and
displaying the data indicating a remaining balance associated with one or more of the one or more financial categories associated with the given merchant for the defined period of time in a remaining balance data display.
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Accused Products
Abstract
A method and system for providing real-time financial goal monitoring and analysis whereby a given user defines budgetary and/or financial goals for one or more financial categories for a given period of time. A merchant/category database is created that associates one or more merchants with potential financial categories and when the given user accesses a given user interface of a website associated with a given merchant, Uniform Resource Locator (URL) data for the website being accessed is obtained and used to identify the given merchant associated with the given website. The merchant/category database is then searched to find potential financial categories associated with the given merchant and the financial budget/goal data indicating the given user'"'"'s budgetary and/or financial goals for the financial categories associated with the given merchant is then obtained along with current financial data indicating the given user'"'"'s actual spending in each of the potential financial categories associated with the given merchant for the given period of time. Remaining balance data for the potential financial categories associated with the given merchant for the given period of time is then generated and displayed to the user in the same display displaying the user interface of the given merchant website.
50 Citations
16 Claims
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1. A computing system implemented process for providing real-time financial goal monitoring and analysis comprising the following of which are each executed via any set of one or more processors:
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defining one or more financial or budgetary goals of a party, the one or more financial goals being associated with one or more financial categories for a defined period of time; providing a merchant/category database, the merchant/category database associating one or more financial categories with one or more merchants; accessing a given interface display of a given website of a given merchant; responsive to accessing the interface display of a given website associated with the given merchant, determining which merchant is being displayed in the interface display based on Uniform Resource Locator data associated with the given website of the given merchant; responsive to determining which merchant is being displayed, searching the merchant/category database to determine one or more financial categories associated with the given merchant; responsive to determining one or more financial categories associated with the given merchant, accessing the data indicating the one or more financial or budgetary goals of the party associated with one or more financial categories for the defined period of time to obtain data indicating the one or more financial or budgetary goals; obtaining current financial data associated with the party to determine the party'"'"'s accumulated spending for the defined period of time in the one or more financial categories associated with the given merchant; analyzing the data indicating the party'"'"'s one or more financial or budgetary goals for the defined period of time and the current financial data associated with the party to generate data indicating a remaining balance associated with one or more of the one or more financial categories; and displaying the data indicating a remaining balance associated with one or more of the one or more financial categories associated with the given merchant for the defined period of time in a remaining balance data display. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A system for providing real-time financial goal monitoring and analysis comprising:
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one or more processors; and one or more memories coupled to the one or more processors, the one or more memories having stored therein instructions which when executed by the one or more processors perform a process comprising; defining one or more financial or budgetary goals of a party, the one or more financial goals being associated with one or more financial categories for a defined period of time; providing a merchant/category database, the merchant/category database associating one or more financial categories with one or more merchants; accessing a given interface display of a given website of a given merchant; responsive to accessing the interface display of a given website associated with the given merchant, determining which merchant is being displayed in the interface display based on Uniform Resource Locator data associated with the given website of the given merchant; responsive to determining which merchant is being displayed, searching the merchant/category database to determine one or more financial categories associated with the given merchant; responsive to determining one or more financial categories associated with the given merchant, accessing the data indicating the one or more financial or budgetary goals of the party associated with one or more financial categories for the defined period of time to obtain data indicating the one or more financial or budgetary goals; obtaining current financial data associated with the party to determine the party'"'"'s accumulated spending for the defined period of time in the one or more financial categories associated with the given merchant; analyzing the data indicating the party'"'"'s one or more financial or budgetary goals for the defined period of time and the current financial data associated with the party to generate data indicating a remaining balance associated with one or more of the one or more financial categories; and displaying the data indicating a remaining balance associated with one or more of the one or more financial categories associated with the given merchant for the defined period of time in a remaining balance data display. - View Dependent Claims (8, 9, 10, 11)
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12. A computer program product for providing real-time financial goal monitoring and analysis comprising:
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a nontransitory computer readable medium having stored therein instructions which when executed via any set of one or more processors, perform a process comprising; defining one or more financial or budgetary goals of a party, the one or more financial goals being associated with one or more financial categories for a defined period of time; providing a merchant/category database, the merchant/category database associating one or more financial categories with one or more merchants; accessing a given interface display of a given website of a given merchant; responsive to accessing the interface display of a given website associated with the given merchant, determining which merchant is being displayed in the interface display based on Uniform Resource Locator data associated with the given website of the given merchant; responsive to determining which merchant is being displayed, searching the merchant/category database to determine one or more financial categories associated with the given merchant; responsive to determining one or more financial categories associated with the given merchant, accessing the data indicating the one or more financial or budgetary goals of the party associated with one or more financial categories for the defined period of time to obtain data indicating the one or more financial or budgetary goals; obtaining current financial data associated with the party to determine the party'"'"'s accumulated spending for the defined period of time in the one or more financial categories associated with the given merchant; analyzing the data indicating the party'"'"'s one or more financial or budgetary goals for the defined period of time and the current financial data associated with the party to generate data indicating a remaining balance associated with one or more of the one or more financial categories; and displaying the data indicating a remaining balance associated with one or more of the one or more financial categories associated with the given merchant for the defined period of time in a remaining balance data display. - View Dependent Claims (13, 14, 15, 16)
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Specification