Methods, systems, and articles of manufacture for implementing an antecedent, location-based budget alert to a user
First Claim
1. A computer implemented method for implementing an antecedent, location-based alert to a user through a mobile communication device, the method being performed by a computing apparatus of the mobile communication device and comprising:
- the computing apparatus providing an antecedent, location-based alert to a user prior to initiation of one or more transactions between the user and an organization and without knowledge of true intent of the user at least by performing;
the computing apparatus comprising a processor and a positioning device and identifying the organization at least by receiving positioning data that is determined by using at least one or more positioning signals received from one or more positioning satellite systems at the positioning device in the mobile communication device carried by the user and coupled to the one or more positioning satellite systems, by repeatedly receiving the one or more positioning signals and updating the positioning data at the positioning device with the one or more positioning signals, and, after passage of a pre-determined period of time after receiving the positioning data, by identifying the organization from multiple organizations, which correspond to the positioning data, with a data structure and one or more complementary positioning signals that enhance positioning accuracy of the positioning data and are received from a complementary positioning device on the mobile communication device based in part or in whole upon results of repeatedly updating the positioning data, whereinthe user is inside of or in proximity of the organization, the data structure correlates a plurality of organizations including the organization with their respective locations, and the positioning data of the mobile communication device correspond to the multiple organizations but are not sufficient to determine the organization from the multiple organizations;
a transaction identification and determination module coupled with the processor in the computing apparatus identifying multiple potential transactions for the organization prior to the initiation of the one or more transactions between the user and the organization and without the knowledge of the true intent of the user, wherein the multiple potential transactions correspond to multiple transaction categories having respective transaction limits for the user and are associated with the organization for the user;
the transaction identification and determination module coupled with the processor in the computing apparatus determining a potential transaction of a first transaction type from the multiple potential transactions of multiple transaction types for the user to conduct at the organization based at least in part upon a current time when the user is inside of or in proximity of the organization, the positioning data, and historical transaction data of the user, wherein the historical transaction data include one or more prior transaction patterns during one or more prior time periods, and different times correspond to different transaction types of the multiple transaction types for the user;
the transaction identification and determination module coupled with the processor in the computing apparatus determining a potential transaction amount for the potential transaction prior to the initiation or completion of the potential transaction, without the knowledge of the true intent of the user at the store;
an antecedent alert module stored at least partially in memory of the computing apparatus coupled to a financial management system hosted on a remote host computing system via a computer network and generating or receiving transaction data associated with a goal of the user for the first transaction type in response to at least the potential transaction that is determined by the computing apparatus from the multiple potential transactions; and
the antecedent alert module in the computing apparatus presenting the antecedent, location-based alert and at least some of the transaction data to the user on the mobile communication device, wherein the goal of the user comprises a budget goal for the first transaction type, and the transaction limits comprise at least one budget limit associated with the first transaction type.
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Accused Products
Abstract
Location-based notification to a user before the user engages in a transaction at a location. Embodiments determine a location of a store at which the user is in or near by using positioning data received at a mobile communication device and determines a potential transaction amount for the user at the store and generates budget data based at least in part on a budget goal identified from a local memory of the mobile communication device or received from a remotely hosted financial management system. Budget data is presented to the user, e.g., in the form of a message, notification, or warning on the mobile communication device to inform the user about budget items relevant to a merchant at that location. The user may choose to initiate or complete a transaction at the location with or without involving the financial management system.
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Citations
32 Claims
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1. A computer implemented method for implementing an antecedent, location-based alert to a user through a mobile communication device, the method being performed by a computing apparatus of the mobile communication device and comprising:
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the computing apparatus providing an antecedent, location-based alert to a user prior to initiation of one or more transactions between the user and an organization and without knowledge of true intent of the user at least by performing; the computing apparatus comprising a processor and a positioning device and identifying the organization at least by receiving positioning data that is determined by using at least one or more positioning signals received from one or more positioning satellite systems at the positioning device in the mobile communication device carried by the user and coupled to the one or more positioning satellite systems, by repeatedly receiving the one or more positioning signals and updating the positioning data at the positioning device with the one or more positioning signals, and, after passage of a pre-determined period of time after receiving the positioning data, by identifying the organization from multiple organizations, which correspond to the positioning data, with a data structure and one or more complementary positioning signals that enhance positioning accuracy of the positioning data and are received from a complementary positioning device on the mobile communication device based in part or in whole upon results of repeatedly updating the positioning data, wherein the user is inside of or in proximity of the organization, the data structure correlates a plurality of organizations including the organization with their respective locations, and the positioning data of the mobile communication device correspond to the multiple organizations but are not sufficient to determine the organization from the multiple organizations; a transaction identification and determination module coupled with the processor in the computing apparatus identifying multiple potential transactions for the organization prior to the initiation of the one or more transactions between the user and the organization and without the knowledge of the true intent of the user, wherein the multiple potential transactions correspond to multiple transaction categories having respective transaction limits for the user and are associated with the organization for the user; the transaction identification and determination module coupled with the processor in the computing apparatus determining a potential transaction of a first transaction type from the multiple potential transactions of multiple transaction types for the user to conduct at the organization based at least in part upon a current time when the user is inside of or in proximity of the organization, the positioning data, and historical transaction data of the user, wherein the historical transaction data include one or more prior transaction patterns during one or more prior time periods, and different times correspond to different transaction types of the multiple transaction types for the user; the transaction identification and determination module coupled with the processor in the computing apparatus determining a potential transaction amount for the potential transaction prior to the initiation or completion of the potential transaction, without the knowledge of the true intent of the user at the store; an antecedent alert module stored at least partially in memory of the computing apparatus coupled to a financial management system hosted on a remote host computing system via a computer network and generating or receiving transaction data associated with a goal of the user for the first transaction type in response to at least the potential transaction that is determined by the computing apparatus from the multiple potential transactions; and the antecedent alert module in the computing apparatus presenting the antecedent, location-based alert and at least some of the transaction data to the user on the mobile communication device, wherein the goal of the user comprises a budget goal for the first transaction type, and the transaction limits comprise at least one budget limit associated with the first transaction type. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 32)
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20. A system for implementing an antecedent reminder of a goal of a user through a mobile communication device, the system comprising:
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a computing apparatus that comprises a processor and an positioning device and is configured at least to; provide an antecedent, location-based alert to a user prior to initiation of one or more transactions between the user and an organization and without knowledge of true intent of the user at least by performing; identify the organization at least by receiving positioning data that is determined by using at least one or more positioning signals received from one or more positioning satellite systems at the positioning device in the positioning device in the mobile communication device carried by the user and coupled to the one or more positioning satellite systems, by repeatedly receiving the one or more positioning signals and updating the positioning data with the one or more positioning signals, and, after passage of a pre-determined period of time after receiving the positioning data, by identifying the organization from multiple organizations that correspond to the positioning data with a data structure and one or more complementary positioning signals that enhance positioning accuracy of the positioning data and are received from a complementary positioning device on the mobile communication device based in part or in whole upon results of repeatedly updating the positioning data, wherein the user is inside of or in proximity of the organization, the data structure correlates a plurality of organizations including the organization with their respective locations, and the positioning data of the mobile communication device correspond to the multiple organizations but are not sufficient to determine the organization from the multiple organizations; invoke a transaction identification and determination module that is coupled with the processor and identifies multiple potential transactions for the organization prior to the initiation of the one or more transactions between the user and the organization and without the knowledge of the true intent of the user, wherein the multiple potential transactions correspond to multiple transaction categories having respective transaction limits for the user and are associated with the organization for the user; invoke the transaction identification and determination module that is coupled to a financial management system hosted on a remote host computing system via a computing network and determines a potential transaction of a first transaction type from the multiple potential transactions of multiple transaction types for the user to conduct at the organization based at least in part upon and a current time when the user is inside of or in proximity of the organization, the positioning data, and historical transaction data of the user, wherein the historical transaction data include one or more prior transaction patterns during one or more prior time periods, and different times correspond to different transaction types of the multiple transaction types for the user; invoke the transaction identification and determination module that determines a potential transaction amount for the potential transaction prior to the initiation or completion of the potential transaction, without the knowledge of the true intent of the user at the organization; invoke an antecedent alert module that is stored at least partially in memory of the computing apparatus and is coupled to the financial management system and generates or receives transaction data in response to at least the potential transaction that is determined by the computing apparatus from the multiple potential transactions; and invoke the antecedent alert module that presents the antecedent, location-based alert and at least some of the transaction data to the user on the mobile communication device, wherein the goal of the user comprises a budget goal for the first transaction type. - View Dependent Claims (21, 22, 23, 24, 25)
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26. A computer program product comprising a non-transitory computer readable storage medium having stored thereupon a sequence of instructions which, when executed by a mobile communication device, causes the at mobile communication device to perform a set of acts for implementing an antecedent, location-based budget alert to a user through a mobile communication device, the set of acts being performed by a computing apparatus of the mobile communication device and comprising:
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the computing apparatus providing an antecedent, location-based alert to a user prior to initiation of one or more transactions between the user and an organization and without knowledge of true intent of the user at least by performing; the computing apparatus comprising a processor and an positioning device and identifying the organization at least by receiving positioning data that is determined by using at least one or more positioning signals received from one or more positioning satellite systems at the positioning device in the mobile communication device carried by the user and coupled to the one or more positioning satellite systems, by repeatedly receiving the one or more positioning signals and updating the positioning data with the one or more positioning signals, and, after passage of a pre-determined period of time after receiving the positioning data, by identifying the organization from multiple organizations, which correspond to the positioning data, with a data structure and one or more complementary positioning signals that enhance positioning accuracy of the positioning data and are received from a complementary positioning device on the mobile communication device based in part or in whole upon results of repeatedly updating the positioning data, wherein the user is inside of or in proximity of the organization, the data structure correlates a plurality of organizations including the organization with their respective locations, and the positioning data of the mobile communication device correspond to the multiple organizations but are not sufficient to determine the organization from the multiple organizations; a transaction identification and determination module coupled with the processor in the computing apparatus identifying multiple potential transactions for the organization prior to the initiation of the one or more transactions between the user and the organization and without the knowledge of the true intent of the user, wherein the multiple potential transactions correspond to multiple transaction categories having respective transaction limits for the user and are associated with the organization for the user; the transaction identification and determination module coupled to a financial management system hosted on a remote host computing system via a computing network and determining a potential transaction of a first transaction type from the multiple potential transactions of multiple transaction types for the user to conduct at the organization based at least in part upon a current time when the user is inside of or in proximity of the organization, the positioning data, and historical transaction data of the user, wherein the historical transaction data include one or more prior transaction patterns during one or more prior time periods, and different times correspond to different transaction types of the multiple transaction types for the user, the transaction identification and determination module coupled with the processor in the computing apparatus determining a potential transaction amount for the potential transaction prior to initiation or completion of the potential transaction, without knowledge of true intent of the user at the organization; an antecedent alert module stored at least partially in memory of the computing apparatus coupled to the financial management system and generating or receiving transaction data associated with a goal of the user for the first transaction type in response to at least the potential transaction that is determined by the computing apparatus from the multiple potential transactions, and the antecedent alert module in the computing apparatus presenting the antecedent, location-based alert and at least some of the transaction data to the user on the mobile communication device, wherein the goal of the user comprises a budget goal for the first transaction type, and the transaction limits comprise at least one budget limit associated with the first transaction type. - View Dependent Claims (27, 28, 29, 30, 31)
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Specification