Budget management system and method

US8639622B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Alicia Y. Moore · San Ramon, US
• Michael R. Thomas · San Francisco, US
• Andrew J. Diggdon · Oakland, US
• John Maher · Fairfax, US
• Karen Moore · Vacaville, US
• Yon Wing Lee · San Francisco, US
• Brian Paul McMahon · Collegeville, US

Key dates

• Filing date: Aug 30, 2010
• Grant date: Jan 28, 2014
• Expiry date: Aug 30, 2030

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/03
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

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.