US 11,748,821 B1
Systems and methods for managing and reducing spending
Meagan Marie Trahan, San Antonio, TX (US); Ingeborg Burch, San Antonio, TX (US); Christine Catsifas, San Antonio, TX (US); and Marty Lee Mendivil, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by UIPCO, LLC, San Antonio, TX (US)
Filed on Dec. 15, 2016, as Appl. No. 15/380,053.
Claims priority of provisional application 62/368,098, filed on Jul. 28, 2016.
Int. Cl. G06Q 40/12 (2023.01); G06Q 40/02 (2023.01)
CPC G06Q 40/12 (2013.12) [G06Q 40/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. One or more non-transitory, computer-readable media storing computer instructions that, when executed by at least one processor, cause the at least one processor to:
receive a selection of at least one spend category out of a plurality of spend categories to track and a target spend amount for the at least one spend category for a timeframe;
track one or more transactions associated with the at least one spend category based on filtering the one or more transactions of a plurality of accounts into respective bins based on merchant category codes assigned to the one or more transactions during the timeframe;
display a list of the one or more transactions included in a bin associated with the at least one spend category:
display an alert periodically over a configurable time period during the timeframe, wherein the alert comprises an actual amount spent for the one or more transactions relative to the target spend amount;
receive an input selection to remove a transaction from the bin associated with the at least one spend category that is incorrectly filtered into the bin associated with the at least one spend category or add a transaction to the bin associated with the at least one spend category that was incorrectly filtered out of the bin associated with the at least one spend category, wherein the one or more transactions are updated based on removing the transaction from the bin or adding the transaction to the bin;
monitor an available spend amount based on the actual amount spent relative to the target spend amount for the timeframe;
monitor an overdrawn threshold value of a monitored account of the plurality of accounts based on the available spend amount; and
transfer a difference amount from the monitored account to a second account of the plurality of accounts in response to expiration of the timeframe, the actual amount spent being less than the target spend amount, and the available spend amount in the monitored account after transferring the difference amount being above the overdrawn threshold value.