Real-Time Spend Management with Savings Goals

Abstract

A computer-implemented method, including receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts; determining, by the one or more computer systems, whether a discretionary balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request, with the discretionary balance being based on an amount of funds that are available in the one or more financial accounts and a portion of the available funds allocated to a savings goal; causing an approval of the withdrawal request when the discretionary balance is greater than or equal to the amount of the withdrawal request; and sending a real time notification to a client device of a user associated with the one or more financial accounts when the discretionary balance is less than the amount of the withdrawal request with a real time opportunity for the user to reduce funds allocated to savings goals if required and thereby increasing the discretionary balance to facilitate the approval of withdrawal request.

1 .- 20 . (canceled) 
     
     
         21 . A computer-implemented method, comprising:
 receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts;   in response to the withdrawal request, determining, by the one or more computer systems, a remaining balance of the one or more financial accounts when an amount of funds allocated to a savings goal is subtracted from an amount of funds available in the one or more financial accounts;   determining in real-time by the one or more computer systems, whether the remaining balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request;   generating a first real-time notification, when the remaining balance is less than the amount of the withdrawal request, or a second real-time notification, when the remaining balance is equal to or greater than the amount of the withdrawal request;   when the remaining balance is less than the amount of the withdrawal request, sending, over the Internet to an application on a client device, the first real-time notification to cause the application to display an alert to adjust the savings goal to a level at which the remaining balance is greater than or equal to the amount of the withdrawal request; and   when the remaining balance is equal to or greater than the amount of the withdrawal request, causing an approval of the withdrawal request and sending, over the Internet to the application on the client device, the second real-time notification to cause the application to display an alert indicative of approval of the withdrawal request.   
     
     
         22 . The computer-implemented method of  claim 21 , further comprising:
 causing an approval of the withdrawal request when the remaining balance is greater than or equal to the amount of the withdrawal request.   
     
     
         23 . The computer-implemented method of  claim 21 , wherein the first real-time notification is a notification of an insufficient remaining balance for the withdrawal request. 
     
     
         24 . The computer-implemented method of  claim 21 , further comprising:
 determining the remaining balance as of a future date and as of a current date, with the remaining balance for the future date being based on an available balance on a date of the withdrawal request, an amount of income that is expected to be credited to the one or more financial accounts by the future date, an amount for expenses that is expected to be debited from the one or more financial accounts by the future date and the funds that are allocated to the savings goal and with the remaining balance as of the current date being based on available balance less the funds allocated to savings goal.   
     
     
         25 . The computer-implemented method of  claim 21 , further comprising:
 receiving, from the client device associated with the user, information requesting approval of the withdrawal request when the remaining balance is less than the amount of the withdrawal request; and   causing an approval of the withdrawal request, when the available funds are greater than or equal to the amount of the withdrawal request.   
     
     
         26 . The computer-implemented method of  claim 21 , further comprising:
 reducing the amount of the remaining balance by the amount of the withdrawal request when the remaining balance is greater than or equal to the amount of the withdrawal request.   
     
     
         27 . The computer-implemented method of  claim 21 , further comprising:
 receiving, from the client device associated with the user, information indicative of an adjustment of the funds that are allocated to the savings goal, with the adjustment increasing an amount of remaining balance, relative to the amount of remaining balance prior to the adjustment when the remaining balance is less than the amount of the withdrawal request; and   
       causing an approval of the withdrawal request. 
     
     
         28 . The computer-implemented method of  claim 21 , further comprising:
 retrieving incoming fund information indicative of an amount of incoming funds that are expected to be deposited into the one or more financial accounts at one or more predetermined time intervals;   allocating, by the one or more computing systems based on the savings goal information and a current balance of the one or more financial accounts, an amount of the incoming funds to the savings goal; and   at one of the one or more predetermined time intervals, reducing a balance of the one or more accounts by the amount of funds allocated to the savings goal.   
     
     
         29 . One or more machine-readable hardware storage devices comprising instructions that are executable by one or more processing devices to perform operations comprising:
 receiving a withdrawal request for withdrawal of funds from one or more financial accounts;   in response to the withdrawal request, determining a remaining balance of the one or more financial accounts when an amount of funds allocated to a savings goal is subtracted from an amount of funds available in the one or more financial accounts;   determining in real-time whether the remaining balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request;   generating a first real-time notification, when the remaining balance is less than the amount of the withdrawal request, or a second real-time notification, when the remaining balance is equal to or greater than the amount of the withdrawal request;   when the remaining balance is less than the amount of the withdrawal request, sending, over the Internet to an application on a client device, the first real-time notification to cause the application to display an alert to adjust the savings goal to a level at which the remaining balance is greater than or equal to the amount of the withdrawal request; and   when the remaining balance is equal to or greater than the amount of the withdrawal request, causing an approval of the withdrawal request and sending, over the Internet to the application on the client device, the second real-time notification to cause the application to display an alert indicative of approval of the withdrawal request.   
     
     
         30 . The one or more machine-readable hardware storage devices of  claim 29 , wherein the operations further comprise:
 causing an approval of the withdrawal request when the remaining balance is greater than or equal to the amount of the withdrawal request.   
     
     
         31 . The one or more machine-readable hardware storage devices of  claim 29 , wherein the first real-time notification is a notification of an insufficient remaining balance for the withdrawal request. 
     
     
         32 . The one or more machine-readable hardware storage devices of  claim 29 , wherein the operations further comprise:
 determining the remaining balance as of a future date and as of a current date, with the remaining balance for the future date being based on an available balance on a date of the withdrawal request, an amount of income that is expected to be credited to the one or more financial accounts by the future date, an amount for expenses that is expected to be debited from the one or more financial accounts by the future date and the funds that are allocated to the savings goal and with the remaining balance as of the current date being based on available balance less the funds allocated to savings goal.   
     
     
         33 . The one or more machine-readable hardware storage devices of  claim 29 , wherein the operations further comprise:
 receiving, from the client device associated with the user, information requesting approval of the withdrawal request when the remaining balance is less than the amount of the withdrawal request; and
 causing an approval of the withdrawal request, when the available funds are greater than or equal to the amount of the withdrawal request. 
   
     
     
         34 . The one or more machine-readable hardware storage devices of  claim 29 , wherein the operations further comprise:
 reducing the amount of the remaining balance by the amount of the withdrawal request when the remaining balance is greater than or equal to the amount of the withdrawal request.   
     
     
         35 . The one or more machine-readable hardware storage devices of  claim 29 , wherein the operations further comprise:
 receiving, from the client device associated with the user, information indicative of an adjustment of the funds that are allocated to the savings goal, with the adjustment increasing an amount of remaining balance, relative to the amount of remaining balance prior to the adjustment when the remaining balance is less than the amount of the withdrawal request; and   causing an approval of the withdrawal request.   
     
     
         36 . The one or more machine-readable hardware storage devices of  claim 29 , wherein the operations further comprise:
 retrieving incoming fund information indicative of an amount of incoming funds that are expected to be deposited into the one or more financial accounts at one or more predetermined time intervals;   allocating, by the one or more computing systems based on the savings goal information and a current balance of the one or more financial accounts, an amount of the incoming funds to the savings goal; and   at one of the one or more predetermined time intervals, reducing a balance of the one or more accounts by the amount of funds allocated to the savings goal.   
     
     
         37 . A system comprising:
 one or more processing devices; and   one or more machine-readable hardware storage devices comprising instructions that are executable by the one or more processing devices to perform operations comprising:
 receiving a withdrawal request for withdrawal of funds from one or more financial accounts; 
 in response to the withdrawal request, determining a remaining balance of the one or more financial accounts when an amount of funds allocated to a savings goal is subtracted from an amount of funds available in the one or more financial accounts; 
 determining in real-time whether the remaining balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request; 
 generating a first real-time notification, when the remaining balance is less than the amount of the withdrawal request, or a second real-time notification, when the remaining balance is equal to or greater than the amount of the withdrawal request; 
 when the remaining balance is less than the amount of the withdrawal request, sending, over the Internet to an application on a client device, the first real-time notification to cause the application to display an alert to adjust the savings goal to a level at which the remaining balance is greater than or equal to the amount of the withdrawal request; and 
 when the remaining balance is equal to or greater than the amount of the withdrawal request, causing an approval of the withdrawal request and sending, over the Internet to the application on the client device, the second real-time notification to cause the application to display an alert indicative of approval of the withdrawal request. 
   
     
     
         38 . The system of  claim 37 , wherein the operations further comprise:
 causing an approval of the withdrawal request when the remaining balance is greater than or equal to the amount of the withdrawal request.   
     
     
         39 . The system of  claim 37 , wherein the first real-time notification is a notification of an insufficient remaining balance for the withdrawal request. 
     
     
         40 . The system of  claim 37 , wherein the operations further comprise:
 determining the remaining balance as of a future date and as of a current date, with the remaining balance for the future date being based on an available balance on a date of the withdrawal request, an amount of income that is expected to be credited to the one or more financial accounts by the future date, an amount for expenses that is expected to be debited from the one or more financial accounts by the future date and the funds that are allocated to the savings goal and with the remaining balance as of the current date being based on available balance less the funds allocated to savings goal.