Request tracking system and method
First Claim
1. A computer-implemented method comprising:
- receiving, by one or more processors of a computer system, a valid username and password from a user;
granting, by the one or more processors, the user access to an on-line banking area of a website of a financial institution responsive to receiving the valid user name and password;
providing, by the one or more processors, the user with account information regarding one or more checking, savings, home mortgage, home equity and/or student loan accounts held by the user at the financial institution;
granting, by the one or more processors, the user access to a request expense tracking area of the website of the financial institution;
receiving, using a request tracking system running on the one or more processors of the computer system, request related data for a request from the user, the related data including data relating to at least one expense incurred by the user by spending funds on behalf of a plurality of participants in a transaction for purchasing at least one good or service;
calculating, by the one or more processors, portions of the at least one incurred expense respectively owed by each of the plurality of participants in the request to facilitate reimbursement of the at least one incurred expense back to the user;
determining, by the one or more processors, at least one participant of the plurality of participants has an account associated with the computer system;
responsive to determining that at least one participant has the account, generating, by the one or more processors, a custom payment option for the at least one participant based on information regarding the account and the portion of the at least one expense that the at least one participant owes;
tracking, by the one or more processors, whether each of the plurality of participants who are responsible for reimbursing the user for a portion of the at least one expense incurred by the user has paid their portions;
sending a message, using a notification system running on the one or more processors of the computer system, to each participant requesting payment for the portion of the expense that is owed by the participant based on the tracking; and
receiving, using a payment processing system running on the one or more processors of the computer system, the payment from the participant.
1 Assignment
0 Petitions
Accused Products
Abstract
A computer-implemented method for granting a user access to an on-line banking area of a website belonging financial institution responsive to receiving the valid user name and password. The method providing the user with account information regarding checking, savings, mortgage, home equity and/or loan accounts held by the user at the financial institution. The method grants the user access to a request tracking area of the website of the financial institution, receive request related data from the user, the request related data including data relating to at least one expense or goal, calculate portions of each expense respectively owed by each of a plurality of participants in the request and track whether a participant has paid. The method includes sending a message to at least one participant, the message requesting payment for the portion owed by the participant and receiving the payment from the participant in various payment forms.
107 Citations
26 Claims
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1. A computer-implemented method comprising:
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receiving, by one or more processors of a computer system, a valid username and password from a user; granting, by the one or more processors, the user access to an on-line banking area of a website of a financial institution responsive to receiving the valid user name and password; providing, by the one or more processors, the user with account information regarding one or more checking, savings, home mortgage, home equity and/or student loan accounts held by the user at the financial institution; granting, by the one or more processors, the user access to a request expense tracking area of the website of the financial institution; receiving, using a request tracking system running on the one or more processors of the computer system, request related data for a request from the user, the related data including data relating to at least one expense incurred by the user by spending funds on behalf of a plurality of participants in a transaction for purchasing at least one good or service; calculating, by the one or more processors, portions of the at least one incurred expense respectively owed by each of the plurality of participants in the request to facilitate reimbursement of the at least one incurred expense back to the user; determining, by the one or more processors, at least one participant of the plurality of participants has an account associated with the computer system; responsive to determining that at least one participant has the account, generating, by the one or more processors, a custom payment option for the at least one participant based on information regarding the account and the portion of the at least one expense that the at least one participant owes; tracking, by the one or more processors, whether each of the plurality of participants who are responsible for reimbursing the user for a portion of the at least one expense incurred by the user has paid their portions; sending a message, using a notification system running on the one or more processors of the computer system, to each participant requesting payment for the portion of the expense that is owed by the participant based on the tracking; and receiving, using a payment processing system running on the one or more processors of the computer system, the payment from the participant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A computer-implemented method comprising:
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receiving, by one or more processors of a computer system, a valid username and password from a user; granting, by the one or more processors, the user access to an on-line banking area of a website of a financial institution responsive to receiving the valid user name and password; providing, by the one or more processors, the user with account information regarding one or more checking, savings, home mortgage, home equity and/or student loan accounts held by the user at the financial institution; allowing, by the one or more processors, a user to maintain a plurality of profiles, each profile capable of being associated a different bank account; granting, by the one or more processors, the user access to a request expense tracking area of the website of the financial institution; receiving, using a request tracking system running on the one or more processors of the computer system, request related data for a request from the user, the request related data including data relating to at least one expense incurred by the user by spending funds on behalf of a plurality of participants in a transaction for purchasing at least one good or service; calculating, by the one or more processors, portions of the at least one incurred expense respectively owed by each of the plurality of participants in the request to facilitate reimbursement of the at least one incurred expense back to the user; allowing a user to adjust the calculation based on the user preference; determining, by the one or more processors, at least one participant of the plurality of participants has an account associated with the computer system; responsive to determining that at least one participant has the account, generating, by the one or more processors, a custom payment option for the at least one participant based on information regarding the account and the portion of the at least one expense that the at least one participant owes; tracking, by the one or more processors, whether each of the plurality of participants who are responsible for reimbursing the user for a portion of the at least one expense incurred by the user has paid their portions; determining banking institution account balances of the participants and sending a message, using a notification system running on the one or more processors of the computer system, requesting payment for the portion of the expense that is owed by the participant and presenting each participant with options for payment based on their banking institution account balance; and receiving, using a payment processing system running on the one or more processors of the computer system, the payment from the participant. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25)
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26. A computer-implemented data processing system, the system comprising a processor and program system stored in memory and executable by the processor, the program system comprising:
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account management system configured to manage accounts respectively associated with a plurality of users, the accounts comprising bank accounts and document storage accounts, the account management system includes account processing system configured to process transactions for the bank accounts, the transactions including electronic bill payment transactions in which monies from the bank accounts of the users are used to pay bills received by the users, and the account management system including statement generation system configured to generate the bank statements for the bank accounts; interface system configured to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface system providing the plurality of users with web access to an on-line banking area of a website of the bank; request expense tracking system configured to track at least one expense incurred by a user spending funds on behalf of at least one participant having an account associated with the account management system who are responsible for reimbursing the user for a portion of the cost of the at least one expense incurred by the user who paid their portions in a transaction for purchasing at least one good or service and whom have not paid their portions, the request expense tracking system includes, request expense system configured to; receive request related data, the data includes, request name, date, and expenses; calculate portions of each expense respectively owed by each of a plurality of participants in the request to facilitate reimbursement of each incurred expense back to the user; and generate a custom payment option for each participant based on information regarding the account and the portion of the expense owed for each participant; profile management system configured to receive various profile information including maintaining a plurality of different profiles, each profile capable of using a different banking institution account; notification system configured to send a message to at least one of the participants requesting payment for the portion owed by the participant; and payment processing system configured to receive payments from at least one participant based on the custom payment option, wherein the custom payment option includes using at least one of a debit card, credit card, bank account, or a stored value card.
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Specification