Relative spending pattern reports for a financial management system

A system for displaying spending pattern data comprising:

• a processor for executing a process for displaying spending pattern data, the process for displaying spending pattern data comprising:
• obtaining financial transaction data using the computing system implemented financial management system, the financial transaction data being of a party;
• categorizing at least a portion of the financial transaction data using the computing system implemented financial management system;
• storing the financial transaction data;
• providing a interface display on a display device, the interface display comprising a listing of two or more financial transaction items associated with the at least a portion of the financial transaction data;
• assigning a first set of spending pattern report parameters to a first one of the two or more financial transaction items, the first set of spending pattern report parameters being distinct from transaction data associated with the first transaction item, the first set of spending report parameters comprising a first type of visual display of the data to be used in a spending pattern report, wherein the first type of visual display is automatically selected by the one or more processors based on historical transaction data collected, and the system further being enabled to utilize spending parameters comprising
• a first timeframe to be covered by a spending pattern report, and a first period used to determine average and target spending amounts for the spending report timeframe;
• assigning a second set of spending pattern report parameters to a second one of the two or more financial transaction items, the second set of spending pattern report parameters being distinct from transaction data associated with the second transaction item, the second set of spending report parameters comprising a second type of visual display of the data to be used in a spending pattern report, wherein the second type of visual display is automatically selected by the one or more processors based on historical transaction data collected, and the system further being enabled to utilize spending parameters including
• a second timeframe to be covered by a spending pattern report, and
• a second period used to determine average and target spending amounts for the spending report timeframe;
• wherein the second type of visual display is different than the first type of visual display;
• receiving a selection by the party, by an event handler informing main logic executed by the one or more processors, the selection selecting the first one of the two or more financial transaction items from the listing of two or more financial transaction items associated with the at least a portion of the financial transaction data;
• responsive to the selection of the first one of the two or more financial transaction items, visually distinguishing on the interface display the first one of the two or more financial transaction items, and choosing the first set of spending pattern report parameters;
• preparing a spending report, by a report builder executed by the one or more processors in response to a request from the main logic, using the financial transaction data and the first set of spending pattern report parameters, the spending report being customized to the first type of visual display automatically selected based on historical transaction data collected by virtue of using the first set of spending pattern report parameters to prepare the spending report;
• utilizing the main logic to orchestrate the preparation of the report and requesting data from a data model;
• and
• displaying the spending pattern report in the interface display, in response to a request from the main logic, within the context of the selected first one of the two or more financial transaction items, the spending pattern report comprising:
• a visual representation of average spending associated with a characteristic of the selected first one of the two or more financial transaction items over a specified timeframe;
• and
• a visual representation of actual spending associated with a characteristic of the selected first one of the two or more financial transaction items during the specified timeframe, wherein the visual representation of average spending, the visual representation of actual spending, and the visually distinguished first one of the two or more financial transaction items are displayed simultaneously in the interface display.

A computer program product for displaying spending pattern data comprising:

• a nontransitory computer readable medium;
• and computer program code, encoded on the computer readable medium, comprising computer readable instructions for:
• obtaining financial transaction data using a computing system implemented financial management system, the financial transaction data being of a party;
• categorizing at least a portion of the financial transaction data using the computing system implemented financial management system;
• storing the financial transaction data;
• providing a interface display, the interface display comprising a listing of two or more financial transaction items associated with the at least a portion of the financial transaction data;
• assigning a first set of spending pattern report parameters to a first one of the two or more financial transaction items, the first set of spending pattern report parameters being distinct from transaction data associated with the first transaction item, the first set of spending report parameters comprising a first type of visual;
• display of the data to be used in a spending pattern report, wherein the first type of visual display is automatically selected by the one or more processors based on historical transaction data collected, and the system further being enabled to utilize spending parameters comprising
• a first timeframe to be covered by a spending pattern report, and
• a first period used to determine average and target spending amounts for the spending report timeframe;
• assigning a second set of spending pattern report parameters to a second one of the two or more financial transaction items, the second set of spending pattern report parameters being distinct from transaction data associated with the second transaction item, the second set of spending report parameters comprising a second type of visual display of the data to be used in a spending pattern report, wherein the second type of visual display is automatically selected by the one or more processors based on historical transaction data collected, and the system further being enabled to utilize spending parameters including
• a second timeframe to be covered by a spending pattern report, and
• a second period used to determine average and target spending amounts for the spending report timeframe;
• wherein the second type of visual display is different than the first type of visual display;
• receiving a selection by the party, by an event handler informing main logic executed by the one or more processors, the selection selecting the first one of the two or more financial transaction items from the listing of two or more financial transaction items associated with the at least a portion of the financial transaction data;
• responsive to the selection of the first one of the two or more financial transaction items, visually distinguishing on the interface display the first one of the two or more financial transaction items, and automatically choosing the first set of spending pattern report parameters;
• preparing a spending report, by a report builder executed by the one or more processors in response to a request from the main logic, using the financial transaction data and the first set of spending pattern report parameters, the spending report being customized to the first type of visual display automatically selected based on historical transaction data collected, by virtue of using the first set of spending pattern report parameters to prepare the spending report;
• utilizing the main logic to orchestrate the preparation of the report and requesting data from a data model;
• and
• displaying the spending pattern report in the interface display, in response to a request from the main logic, within the context of the selected first one of the two or more financial transaction items, the spending pattern report comprising:
• a visual representation of average spending associated with a characteristic of the selected first one of the two or more financial transaction items over a specified timeframe;
• and
• a visual representation of actual spending associated with a characteristic of the selected first one of the two or more financial transaction items during the specified timeframe, wherein the visual representation of average spending, the visual representation of actual spending, and the visually distinguished first one of the two or more financial transaction items are displayed simultaneously in the interface display.