The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 05, 2025
Filed:
Dec. 12, 2022
Wells Fargo Bank, N.a., San Francisco, CA (US);
Darren M. Goetz, Salinas, CA (US);
Dennis E. Montenegro, Concord, CA (US);
Alicia Y. Moore, San Ramon, CA (US);
Timothy R. Ward, Mesa, AZ (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
Systems, methods, and apparatuses include a provider computing system including a network interface structured to facilitate data communication via a network and a processing circuit comprising a processor and memory. The processing circuit is structured to receive a scope and a budget. The processing circuit includes a management circuit structured to determine a scope merchant category for items offered for sale by a merchant that match the scope and wherein the management circuit is structured to interpret the budget to determine a maximum amount of funds for the purchase. The processing circuit receives a selected item. The management circuit determines a category in comparison to the scope and a cost item in comparison to the budget to determine if the cost of the item is less than the maximum amount of funds.