Administration of Financial Accounts
First Claim
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1. A system comprising:
- means for storing a profile keyed to a user identity and containing one or more user-selected categories to track transactions associated with said user identity, wherein individual user-selected categories include a user pre-set limit; and
means for presenting transaction summary data for at least one of the one or more user-selected categories, said transaction summary data containing said at least one user-selected category'"'"'s user pre-set limit.
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Accused Products
Abstract
A credit facility for controlling financial transactions is arranged with the ability of users to establish self-imposed limits on a category by category basis. The processing system provides messages and other information to the user, both on-demand and at the point of sale, based upon the category of the transaction and the limit set for that category. In one embodiment, both the user and, if desired, third parties, can obtain or be notified, of account balances on a category by category basis. Also, the main user can assign category limits, or prohibitions, on sub-users of the same account. In one embodiment, information pertaining to a specific transaction is communicated to a third party.
36 Citations
24 Claims
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1. A system comprising:
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means for storing a profile keyed to a user identity and containing one or more user-selected categories to track transactions associated with said user identity, wherein individual user-selected categories include a user pre-set limit; and means for presenting transaction summary data for at least one of the one or more user-selected categories, said transaction summary data containing said at least one user-selected category'"'"'s user pre-set limit. - View Dependent Claims (2, 3, 4)
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5. A method comprising:
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storing, in a database, a profile keyed to a user identity and containing one or more user-selected categories to track transactions associated with said user identity, wherein individual user-selected categories include a user pre-set limit; and causing communication, over a communication medium and to a receiving device, of transaction summary data in the database for at least one of the one or more user-selected categories, said transaction summary data containing said at least one user-selected category'"'"'s user pre-set limit. - View Dependent Claims (6, 7, 8, 9, 10, 11)
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12. A method comprising:
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storing, in a database, a profile keyed to a user identity and containing one or more user-selected categories to track transactions associated with said user identity, wherein individual user-selected categories include a user pre-set limit; and causing communication, over a communication medium and to a receiving device, of transaction summary data in the database for at least one of the one or more user-selected categories, said transaction summary data containing said at least one user-selected category'"'"'s user pre-set limit, and wherein said transaction summary data is configured to be presented by the receiving device in a table. - View Dependent Claims (13, 14, 15, 16, 17, 18)
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19. A system comprising:
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means for listing financial transactions for a user which occurred during a last accounting period, said financial transactions listed in accordance with one or more user-selected categories; and means for presenting, in association with an individual user-selected category, an amount of the financial transactions in said individual user-selected category for said last accounting period together with a user-identified category limit associated with said individual user-selected category. - View Dependent Claims (20, 21, 22, 23, 24)
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Specification
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Current AssigneeFintegraph, LLC (Ascend Innovation Management, LLC)
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Original AssigneeNiaco Data Mgmt II LLC (Intellectual Ventures LLC)
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InventorsTannenbaum, Mary C.
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Granted Patent
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Time in Patent OfficeDays
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Field of Search
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US Class Current705/35
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CPC Class CodesG06Q 20/12 specially adapted for elect...G06Q 20/20 Point-of-sale [POS] network...G06Q 20/204 comprising interface for re...G06Q 20/40 Authorisation, e.g. identif...G06Q 40/00 Finance; Insurance; Tax str...
