Budget management system and method
First Claim
1. A computer-implemented data processing system comprising:
- a data storage system; and
a processor and program logic stored in memory and executable by the processor, the program logic including;
account management logic coupled to the data storage system and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device;
budget logic coupled to the account management logic and configured to provide budget plan data including budget cash flow amounts for a user for cash withdrawals, the cash withdrawals executed via automated teller machines (ATMs);
wherein the budget logic enables the user to access and modify the budget plan data including the budget cash flow amounts via the ATMs.
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Accused Products
Abstract
A computer-implemented data processing system includes a data storage system; and a processor and program logic stored in memory and executable by the processor, the program logic including account management logic coupled to the data storage system and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device; and budget logic coupled to the account management logic and configured to provide budget data including budget cash flow amounts for a user for cash withdrawals, the cash withdrawals executed via automated teller machines (ATMs). The budget logic enables the user to access and modify the budget data including the budget spending amounts via the ATMs.
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Citations
20 Claims
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1. A computer-implemented data processing system comprising:
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a data storage system; and a processor and program logic stored in memory and executable by the processor, the program logic including; account management logic coupled to the data storage system and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device; budget logic coupled to the account management logic and configured to provide budget plan data including budget cash flow amounts for a user for cash withdrawals, the cash withdrawals executed via automated teller machines (ATMs); wherein the budget logic enables the user to access and modify the budget plan data including the budget cash flow amounts via the ATMs. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method of managing a budget for a user, the method comprising:
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storing account data related to financial accounts associated with a plurality of users in a storage device, generating at a computer processor budget plan data for cash withdrawals executed via automated teller machines (ATMs), the budget data including budget cash flow amounts for cash withdrawals executed via ATMs; providing by the computer processor the budget data including the budget cash flow amounts to the user via an ATM; receiving an input from the user via the ATM and modifying the budget plan data including the budget cash flow amounts based on the input. - View Dependent Claims (11, 12, 13, 14)
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15. A data processing system comprising:
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a data storage system; and a processor and program logic stored in memory and executable by the processor, the program logic including; account management logic coupled to the data storage system and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage system, the account data including cash withdrawal data for cash withdrawals executed via automated teller machines (ATMs); budget logic coupled to the account management logic and configured to provide budget plan data including budget cash flow amounts for a user for cash withdrawals executed via ATMs, the budget logic further configured to determine and provide the budget cash flow amounts to the user via the ATM based at least in part on past ATM cash withdrawal data stored in the data storage system and modify the budget plan data including the budget cash flow amounts based on inputs received from the user via the ATM. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification