# US 2017/0286929 A1 · Method and system for digital money management for a payment account > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2017/0286929 A1 - Document ID: US20170286929A1 - Status: Published application - Kind: A1 - Application number: 15/474,145 - Filed: 2017-03-30 - Published: 2017-10-05 - Earliest claimed: 2016-03-30 - Assignees: Mastercard International Incorporated - Applicants: Mastercard International Incorporated - Inventors: Ryan P. BODMAN; Claudia Alexandra BARON-AOUDAL; Cynthia M. CHASTAIN; Thomas Robert CRONIN; Kevin John FINNEGAN; Eric Jon MCILWAIN; Kun WANG - Web page: https://patentgrep.com/patent/US20170286929A1 ## CPC - G06Q 20/102: {Bill distribution or payments} - G06F 16/22: Indexing; Data structures therefor; Storage structures - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - 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 - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract A method for managing account savings via authorization holds includes: storing an account profile related to a transaction account including an account identifier and primary account number; receiving a savings request including the account identifier and savings data; identifying a starting amount, goal amount, and period of time based on the savings data; generating a first transaction message including the primary account number starting amount; transmitting the first transaction message to a financial institution associated with the related transaction account; generating a second transaction message including the primary account number and goal amount; and transmitting the second transaction message to the financial institution associated with the related transaction account after at least the period of time following transmission of the first transaction message. ## Claims ### Claim 1 A method for managing account savings via authorization holds, comprising: storing, in an account database of a processing server, an account profile, wherein the account profile includes a standardized data set related to a transaction account including at least an account identifier and primary account number; receiving, by a receiving device of the processing server, a data signal superimposed with a savings request, wherein the savings request includes at least the account identifier and savings data; identifying, by a data identification module of the processing server, at least a starting amount, a goal amount, and a period of time based on the savings data; generating, by a generation module of the processing server, a first transaction message, wherein the first transaction message is formatted pursuant to one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number and a second data element configured to store the starting amount; electronically transmitting, by a transmitting device of the processing server, the first transaction message to a financial institution associated with the related transaction account; generating, by the generation module of the processing server, a second transaction message, wherein the second transaction message is formatted pursuant to the one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number and a second data element configured to store the goal amount; and electronically transmitting, by the transmitting device of the processing server, the second transaction message to the financial institution associated with the related transaction account after at least the period of time following transmission of the first transaction message. ### Claim 2 (depends on 1) The method of claim 1, further comprising: generating, by the generation module of the processing server, one or more intermediate transaction messages, wherein each intermediate transaction message is formatted pursuant to the one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number and a second data element configured to store an intermediate amount between the starting amount and the goal amount; and electronically transmitting, by the transmitting device of the processing server, each intermediate transaction message to the financial institution associated with the related transaction account after transmission of the first transaction message and prior to transmission of the second transaction message. ### Claim 3 (depends on 2) The method of claim 2, wherein the intermediate amount included in each of the one or more intermediate transaction messages is identified by the data identification module of the processing server based on the savings data. ### Claim 4 (depends on 2) The method of claim 2, wherein the savings data includes at least the starting amount, the goal amount, and an incremental period, each intermediate amount included in an intermediate transaction message is identified based on the starting amount, goal amount, incremental period, and period of time, and each intermediate transaction message is electronically transmitted after the incremental period following transmission of the first transaction message or another intermediate transaction message. ### Claim 5 (depends on 1) The method of claim 1, wherein the savings data includes at least the starting amount and the goal amount. ### Claim 6 (depends on 1) The method of claim 1, wherein the account profile further includes a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction involving the related transaction account including at least a transaction amount and additional transaction data, and the starting amount is further based on the transaction amount included in at least one transaction data entry included in the account profile. ### Claim 7 (depends on 1) The method of claim 1, wherein the first transaction message and second transaction message each further include a message type indicator indicative of an authorization request. ### Claim 8 (depends on 7) The method of claim 7, wherein no settlement or reconciliation message corresponding to the first transaction message or the second transaction message is electronically transmitted to the financial institution associated with the related transaction account. ### Claim 9 (depends on 1) The method of claim 1, wherein the account identifier and primary account number are the same value. ### Claim 10 (depends on 1) The method of claim 1, wherein the one or more standards includes one of: the ISO 8583 standard and the ISO 20022 standard. ### Claim 11 A system for managing account savings via authorization holds, comprising: an account database of a processing server configured to store an account profile, wherein the account profile includes a standardized data set related to a transaction account including at least an account identifier and primary account number; a receiving device of the processing server configured to receive a data signal superimposed with a savings request, wherein the savings request includes at least the account identifier and savings data; a data identification module of the processing server configured to identify at least a starting amount, a goal amount, and a period of time based on the savings data; a generation module of the processing server configured to generate a first transaction message, wherein the first transaction message is formatted pursuant to one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number and a second data element configured to store the starting amount; and a transmitting device of the processing server configured to electronically transmit the first transaction message to a financial institution associated with the related transaction account, wherein the generation module of the processing server is further configured to generate a second transaction message, wherein the second transaction message is formatted pursuant to the one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number and a second data element configured to store the goal amount, and the transmitting device of the processing server is further configured to electronically transmit the second transaction message to the financial institution associated with the related transaction account after at least the period of time following transmission of the first transaction message. ### Claim 12 (depends on 11) The system of claim 11, wherein the generation module of the processing server is further configured to generate one or more intermediate transaction messages, wherein each intermediate transaction message is formatted pursuant to the one or more standards and includes a plurality of data elements including at least a first data element configured to store the primary account number and a second data element configured to store an intermediate amount between the starting amount and the goal amount, and the transmitting device of the processing server is further configured to electronically transmit each intermediate transaction message to the financial institution associated with the related transaction account after transmission of the first transaction message and prior to transmission of the second transaction message. ### Claim 13 (depends on 12) The system of claim 12, wherein the intermediate amount included in each of the one or more intermediate transaction messages is identified by the data identification module of the processing server based on the savings data. ### Claim 14 (depends on 12) The system of claim 12, wherein the savings data includes at least the starting amount, the goal amount, and an incremental period, each intermediate amount included in an intermediate transaction message is identified based on the starting amount, goal amount, incremental period, and period of time, and each intermediate transaction message is electronically transmitted after the incremental period following transmission of the first transaction message or another intermediate transaction message. ### Claim 15 (depends on 11) The system of claim 11, wherein the savings data includes at least the starting amount and the goal amount. ### Claim 16 (depends on 11) The system of claim 11, wherein the account profile further includes a plurality of transaction data entries, wherein each transaction data entry includes data related to a payment transaction involving the related transaction account including at least a transaction amount and additional transaction data, and the starting amount is further based on the transaction amount included in at least one transaction data entry included in the account profile. ### Claim 17 (depends on 11) The system of claim 11, wherein the first transaction message and second transaction message each further include a message type indicator indicative of an authorization request. ### Claim 18 (depends on 17) The system of claim 17, wherein no settlement or reconciliation message corresponding to the first transaction message or the second transaction message is electronically transmitted to the financial institution associated with the related transaction account. ### Claim 19 (depends on 11) The system of claim 11, wherein the account identifier and primary account number are the same value. ### Claim 20 (depends on 11) The system of claim 11, wherein the one or more standards includes one of: the ISO 8583 standard and the ISO 20022 standard.