# US 2014/0156527 A1 · Pre-payment authorization categorization > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2014/0156527 A1 - Document ID: US20140156527A1 - Status: Published application - Kind: A1 - Application number: 13/690,802 - Filed: 2012-11-30 - Published: 2014-06-05 - Earliest claimed: 2012-11-30 - Assignees: Bank of America Corporation - Applicants: Bank of America Corporation - Inventors: David M. GRIGG; Matthew A. CALMAN; Elizabeth S. VOTAW - Web page: https://patentgrep.com/patent/US20140156527A1 ## CPC - G06Q 40/12: Accounting - G06Q 20/209: {Specified transaction journal output feature, e.g. printed receipt or voice output} - G06Q 20/3221: {Access to banking information through M-devices} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems, methods, and computer program products are provided for categorizing transactions prior to authorization. The system includes a computer apparatus including a processor and a memory; and a software module stored in the memory. The software module includes executable instructions that when executed by the processor cause the processor to receive an input from a user associated with a component of a future transaction; determine that the user is conducting a transaction; determine a category associated with the input; associate the category with the transaction that is being conducted by the user; and store the category in association with the transaction. In some embodiments, the user provides the input by scanning a product or service using a mobile device. In further embodiments, the system determines the category by evaluating the product or service, evaluating previous categories identified at the user's location, or some combination thereof. ## Claims ### Claim 1 A system for categorizing transactions prior to authorization, the system comprising: a computer apparatus including a processor and a memory; and a software module stored in the memory, comprising executable instructions that when executed by the processor cause the processor to: receive an input of a product or service using a mobile device; determine that the user is conducting a transaction; determine a time duration between a time the input was received and a time the transaction was initiated; determine a category associated with the product or service; associate the category with the transaction when the time duration between the time the input was received and the time the transaction was initiated is less than a predetermined time duration; and store the category in association with the transaction. ### Claim 2 (canceled) ### Claim 3 (canceled) ### Claim 4 (depends on 1) The system of claim 1, wherein the predetermined time duration varies based on a characteristic of the transaction. ### Claim 5 (depends on 4) The system of claim 4, wherein the category is determined by: determining a product or service based on the input; accessing a database comprising a plurality of products and services and associated categories; and determining the category associated with a product or service in the database. ### Claim 6 (depends on 1) The system of claim 1, wherein the module is further configured to: determine a location of the user; and determine the category based at least in part on the location of the user. ### Claim 7 (depends on 1) The system of claim 1, wherein the system determines that the user is conducting a transaction by receiving an authorization request from a merchant, wherein the authorization request includes identifying information for the user. ### Claim 8 (depends on 1) The system of claim 1, wherein the input is a verbal input by the user. ### Claim 9 A computer program product for categorizing transactions prior to authorization, the computer program product comprising: a processor and non-transitory memory combined with the processor, wherein the memory comprises: a non-transitory computer readable storage medium having computer readable program code embodied therewith, the computer readable program code comprising: a computer readable program code, executable by the processor, and configured to receive an input of a product or service using a mobile device; a computer readable program code, executable by the processor, and configured to determine that the user is conducting a transaction; a computer readable program code, executable by the processor, and configured to determine a time duration between a time the input was received and a time the transaction was initiated; a computer readable program code, executable by the processor, and configured to determine a category associated with the product or service; a computer readable program code, executable by the processor, and configured to associate the category with the transaction when the time duration between the time the input was received and the time the transaction was initiated is less than a predetermined time duration; and a computer readable program code, executable by the processor, and configured to store the category in association with the transaction. ### Claim 10 (canceled) ### Claim 11 (canceled) ### Claim 12 (depends on 9) The computer program product of claim 9, wherein the predetermined time duration varies based on a characteristic of the transaction. ### Claim 13 (depends on 12) The computer program product of claim 12, the computer program product further comprising computer readable program code, executable by the processor, and configured to: determine a product or service based on the input; access a database comprising a plurality of products and services and associated categories; and determine the category associated with a product or service in the database. ### Claim 14 (depends on 9) The computer program product of claim 9, the computer program product further comprising computer readable program code, executable by the processor, and configured to: determine a location of the user; and determine the category based at least in part on the location of the user. ### Claim 15 (depends on 9) The computer program product of claim 9, wherein the system determines that the user is conducting a transaction by receiving an authorization request from a merchant, wherein the authorization request includes identifying information for the user. ### Claim 16 (depends on 9) The computer program product of claim 9, wherein the identifying information comprises an account number for the user. ### Claim 17 A method for categorizing transactions prior to authorization, the method comprising: receiving an input of a product or service from a user via a mobile device; determining, via a computing device processor, that the user is conducting a transaction; determining, via a computing device processor, a time duration between a time the input was received and a time the transaction was initiated; determining, via a computing device processor, a category associated with the product or service; associating the category with the transaction when the time duration between the time the input was received and the time the transaction was initiated is less than a predetermined time duration; and storing the category in association with the transaction. ### Claim 18 (canceled) ### Claim 19 (canceled) ### Claim 20 (depends on 17) The method of claim 17, wherein the predetermined time duration varies based on a characteristic of the transaction. ### Claim 21 (depends on 17) The method of claim 17, the method further comprising: determining a product or service based on the input; accessing a database comprising a plurality of products and services and associated categories; and determining the category associated with a product or service in the database.