公开(公告)号：US20140046816A1

公开(公告)日：2014-02-13

申请号：US13569249

申请日：2012-08-08

申请人： Mishez Avari ,  Andrew Eric Ziesmer

发明人： Mishez Avari ,  Andrew Eric Ziesmer

IPC分类号： G06Q40/02

CPC分类号： G06Q40/02

摘要： Methods and systems for managing cardholder spending on a transaction card account employ a processor coupled to memory and other computer hardware and software components to receive a monthly spending budget for a cardholder, track expenditures of the cardholder in a current month against the monthly spending budget, and adjust the monthly spending budget for a succeeding month when expenditures exceed a credit limit of the cardholder. The adjustment may be made according to an order of a predetermined prioritization of a plurality of budget categories or by a proportional amount in each of the plurality of budget categories in the absence of a predetermined prioritization.

摘要翻译： 用于管理交易卡帐户上的持卡人支出的方法和系统使用耦合到存储器和其他计算机硬件和软件组件的处理器来接收持卡人的每月支出预算，跟踪当月的持卡人在每月支出预算中的支出， 并调整支出超过持卡人信用额度的下一个月的每月支出预算。 在不存在预定优先级的情况下，可以根据多个预算类别的预定优先顺序或者在多个预算类别中的每一个中的比例量来进行调整。