Method and system for predictive event budgeting based on financial data from similarly situated consumers
First Claim
1. A computer program product for providing a process for predictive event budgeting comprising:
- a non-statutory computer readable medium;
and computer program code, encoded on the non-statutory computer readable medium, comprising computer readable instructions for;
obtaining contributing consumer financial data from two or more contributing consumers, the contributing consumer financial data including a plurality of transactions from each of the two or more contributing consumers, each transaction within the plurality of transactions from each contributing consumer having been previously individually designated on a transaction by transaction basis by the respective contributing consumer as being sharable with a user consumer;
monitoring the contributing consumer financial data from the two or more contributing consumers for changes in the contributing consumer financial data from two or more contributing consumers;
identifying one or more changes in the contributing consumer financial data associated with one or more of the two or more contributing consumers, resulting in changed financial data;
identifying one or more specific events associated with the identified one or more changes in the changed financial dataaggregating and categorizing the changed financial data based, at least in part, on the identified one or more specific events resulting in aggregated data;
storing the aggregated and categorized datain response to a user consumer initiated search for costs data associated with one or more specified events, searching the aggregated and categorized data for aggregated and categorized data that is associated with the user consumer specified one or more events resulting in user consumer events data; and
providing the user consumer with the user consumer events data.
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Accused Products
Abstract
Financial data associated with one or more “contributing consumers” is obtained. The financial data is then aggregated, analyzed, and/or categorized, according to one or more events and one or more criteria/parameters associated with the financial transaction data and/or the contributing consumer. The aggregated and/or categorized data is then stored. A “user consumer” then initiates a request for predictive event cost data associated with one or more specified events and the aggregated and/or categorized data representing the event related changes in the financial data is searched based. Results data representing the changes in the financial data for one or more similarly situated contributing consumers associated the specified event is then obtained and presented to the user consumer.
40 Citations
15 Claims
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1. A computer program product for providing a process for predictive event budgeting comprising:
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a non-statutory computer readable medium; and computer program code, encoded on the non-statutory computer readable medium, comprising computer readable instructions for; obtaining contributing consumer financial data from two or more contributing consumers, the contributing consumer financial data including a plurality of transactions from each of the two or more contributing consumers, each transaction within the plurality of transactions from each contributing consumer having been previously individually designated on a transaction by transaction basis by the respective contributing consumer as being sharable with a user consumer; monitoring the contributing consumer financial data from the two or more contributing consumers for changes in the contributing consumer financial data from two or more contributing consumers; identifying one or more changes in the contributing consumer financial data associated with one or more of the two or more contributing consumers, resulting in changed financial data; identifying one or more specific events associated with the identified one or more changes in the changed financial data aggregating and categorizing the changed financial data based, at least in part, on the identified one or more specific events resulting in aggregated data; storing the aggregated and categorized data in response to a user consumer initiated search for costs data associated with one or more specified events, searching the aggregated and categorized data for aggregated and categorized data that is associated with the user consumer specified one or more events resulting in user consumer events data; and providing the user consumer with the user consumer events data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system for predictive event budgeting comprising:
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two or more processors; and two or more memories, individual ones of the memories coupled to respective ones of the one or more processors, the two or more memories having collectively stored therein processor-executable instructions which when executed by the two or more processors, perform a process for predictive event budgeting, the process comprising; obtaining contributing consumer financial data from two or more contributing consumers, the contributing consumer financial data including a plurality of transactions from each of the two or more contributing consumers, each transaction within the plurality of transactions from each contributing consumer having been previously individually designated on a transaction by transaction basis by the respective contributing consumer as being sharable with a user consumer; monitoring the contributing consumer financial data from the two or more contributing consumers for changes in the contributing consumer financial data from two or more contributing consumers; identifying one or more changes in the contributing consumer financial data associated with one or more of the two or more contributing consumers, resulting in changed financial data; identifying one or more specific events associated with the identified one or more changes in the changed financial data; aggregating and categorizing the changed financial data based, at least in part, on the identified one or more specific events, resulting in aggregated data; storing the aggregated and categorized data; in response to a user consumer initiated search for costs data associated with one or more specified events, searching the aggregated and categorized data for aggregated and categorized data that is associated with the user consumer specified one or more events, resulting in user consumer events data; and providing the user consumer with the user consumer events data.
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15. A system for predictive event budgeting comprising:
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means for obtaining contributing consumer financial data from two or more contributing consumers, the contributing consumer financial data including a plurality of transactions from each of the two or more contributing consumers, each transaction within the plurality of transactions from each contributing consumer having been previously individually designated on a transaction by transaction basis by the respective contributing consumer as being sharable with a user consumer; means for monitoring the contributing consumer financial data from the two or more contributing consumers for changes in the contributing consumer financial data from two or more contributing consumers; means for identifying one or more changes in the contributing consumer financial data associated with one or more of the two or more contributing consumers, resulting in changed financial data; means for identifying one or more specific events associated with the identified one or more changes in the changed financial data; means for aggregating and categorizing the changed financial data based, at least in part, on the identified one or more specific events, resulting in aggregated data; means for storing the aggregated and categorized data; means for searching, in response to a user consumer initiated search for costs data associated with one or more specified events, the aggregated and categorized data for aggregated and categorized data that is associated with the user consumer specified one or more events, resulting in user consumer events data; and means for providing the user consumer with the user consumer events.
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Specification