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:
Oct. 08, 2013
Filed:
Feb. 17, 2009
Maria Teresita Vicente, Marlton, NJ (US);
Frank Cawley Dragotta, Philadelphia, PA (US);
Manning R. Field, Media, PA (US);
Joy Lynn Koppenhaver, Bear, DE (US);
James Samuel Moed, Baltimore, MD (US);
Ryan Alan Jacoby, New York, NY (US);
Ian Michael Groulx, Oakland, CA (US);
Kevin Thomas Dame, San Francisco, CA (US);
Heather Margaret Emerson, San Francisco, CA (US);
Jennifer C. Mcgarry, Haddonfield, NJ (US);
Maria Teresita Vicente, Marlton, NJ (US);
Frank Cawley Dragotta, Philadelphia, PA (US);
Manning R. Field, Media, PA (US);
Joy Lynn Koppenhaver, Bear, DE (US);
James Samuel Moed, Baltimore, MD (US);
Ryan Alan Jacoby, New York, NY (US);
Ian Michael Groulx, Oakland, CA (US);
Kevin Thomas Dame, San Francisco, CA (US);
Heather Margaret Emerson, San Francisco, CA (US);
Jennifer C. McGarry, Haddonfield, NJ (US);
JPMorgan Chase Bank, N.A., New York, NY (US);
Abstract
A system and method providing a borrowing scheme. The method comprises the steps of: receiving a time-based spending alert threshold designation from a user via the network; receiving at least one category of transaction designations from the user via the network, wherein each of the categories is associated with a portion of the time-based spending alert threshold designation; automatically allocating user transactions among the categories using the programmed computer processor; notifying the user via the network of the portion of the time-based spending alert threshold designation for a particular category that is being approached or surpassed; and automatically modifying the portion of the time-based spending alert threshold designation for the particular category for the upcoming period of time if the limit is surpassed, wherein the modification is performed by the programmed computer processor.