Jpmorgan Chase Bank, N.a.

Duverney Tavares

Ryan Andrew Schlosser

Benjamin Sokol

A transaction management method and system are providing for managing disposition of funds for system users based on account activity. The method stores account data for the system users and instructions and at least a downloadable mobile application, The method receives through an interface over a network, an indication of account activity by the system user and determines a type of account activity. The method further identifies identifying a spending category for the account activity and performs an accounting for the spending category to determine if the account activity is indicative of system user underspending. The method further includes investing calculated underspending. An investment card may be utilized.

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Cedar Grove, NJ, United States of America

Duverney Tavares