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US 8,374,963 B1Granted
Method and system for electronic checking
AssigneeUnited Services Automobile Association (USAA)
InventorBradly Jay Billman
Life of this patent
Estimating the term…
Abstract
Methods and systems for electronic checking are described. A graphical representation of an electronic check may be provided for presentation to a providing user from which an electronic funds transfer may be initiated. The electronic check may be generated when desired. A payment date selection may be received for an electronic check on a date within the electronic account register and the electronic check may be indicated for the particular date in the electronic account register. The electronic check may be received and associated with a receiving user. An estimated charge for an actual charge may be replaced in the electronic account register in accordance with analyzing one or more actual charges.
Claims21
A method comprising:
- using a computer system to store transaction data associated with transactions indicated by a set of register entries associated with a user having an account with a financial institution, at least some of the transactions being electronic funds transfers, at least one register entry being associated with presenting a graphical representation of an electronic check by the financial institution to the user via a graphical interface system, the graphical representation of the electronic check including a set of fields defining the respective transaction data for a transaction associated with the electronic check;
- calculating, using a computer system, a transaction time for each of the set of register entries being a time at which the transaction associated with the respective register entry is predicted to affect the user's account with the financial institution;
- determining an alert triggered by at least one of the set of register entries indicating that effectuating the associated transaction at the calculated transaction time will cause a balance of the user's account with the financial institution to cross a predetermined account threshold;
- generating a graphical representation of an electronic register for display to the user via the graphical interface system, the graphical representation of the electronic register being generated to display at least a portion of the set of register entries and to display a graphical indication of the alert in association with the at least one of the set of entries that triggered the alert;
- and
- displaying the graphical representation of the electronic register to the user via the graphical interface system.
3 more elements
An article of manufacture comprising a machine-readable medium having instructions thereon, which when implemented by one or more processors perform the following operations:
- store transaction data associated with transactions indicated by a set of register entries associated with a user having an account with a financial institution, at least some of the transactions being electronic funds transfers;
- calculate, using a computer system, a transaction time for each of the set of register entries being a time at which the transaction associated with the respective register entry is predicted to affect the user's account with the financial institution;
- determine an alert triggered by at least one of the set of register entries indicating that effectuating the associated transaction at the calculated transaction time will cause a balance of the user's account with the financial institution to cross a predetermined account threshold;
- generate a graphical representation of an electronic register for display to the user via a graphical interface system, the graphical representation of the electronic register being generated to display at least a portion of the set of register entries and to display a graphical indication of the alert in association with the at least one of the set of entries that triggered the alert;
- and
- cause the graphical representation of the electronic register to be displayed to the user via the graphical interface system.
3 more elements
A system comprising:
- a transaction data store for storing transaction data defining transactions associated with a user having an account with a financial institution, at least some of the transactions being electronic funds transfers;
- an alert detection system, communicatively coupled with the transaction data store, and configured to:
- calculate a transaction time for each of a set of register entries being a time at which the transaction associated with the respective register entry is predicted to affect the user's account with the financial institution, each of the set of register entries corresponding to one of the transactions defined by a portion of the transaction data;
- and
- determine an alert triggered by at least one of the set of register entries indicating that effectuating the associated transaction at the calculated transaction time will cause a balance of the user's account with the financial institution to cross a predetermined account threshold;
- and
- an interface system, communicatively coupled with the transaction data store and the alert detection system, and configured to:
- generate a graphical representation of an electronic register for display to the user, the graphical representation of the electronic register being generated to display at least a portion of the set of register entries and to display a graphical indication of the alert in association with the at least one of the set of entries that triggered the alert;
- and
- display the graphical representation of the electronic register to the user.
7 more elements
Dependencies are inferred from the claim text.