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1. (WO2010114733) SYSTEMS AND METHODS FOR BUDGET GUARDRAILS
Latest bibliographic data on file with the International Bureau   

Pub. No.:    WO/2010/114733    International Application No.:    PCT/US2010/028198
Publication Date: 07.10.2010 International Filing Date: 22.03.2010
IPC:
G06F 17/50 (2006.01)
Applicants: BANK OF AMERICA CORPORATION [US/US]; 101 South Tryon Street Charlotte, NC 28202 (US) (For All Designated States Except US).
ARIFF, Kazi, M. [GB/US]; (US) (For US Only).
SMITH, Carol, A. [US/US]; (US) (For US Only).
JOHNSON, Shane, A. [US/US]; (US) (For US Only).
TIPPER, Russell, W. [US/US]; (US) (For US Only).
LI, Yicong [US/US]; (US) (For US Only).
O'CONNOR, Sean, M. [US/US]; (US) (For US Only).
KELLEY, Thomas, D. [US/US]; (US) (For US Only).
THOMAS, Susan, S. [US/US]; (US) (For US Only).
BOROWSKI, William, F. [US/US]; (US) (For US Only).
AHERON, William, J. [US/US]; (US) (For US Only).
ANDERSON, Judith, M. [US/US]; (US) (For US Only).
HAYES, Steven, K. [US/US]; (US) (For US Only).
WOLFSON, Neal, G. [US/US]; (US) (For US Only).
JUDD, Jeffrey, P. [US/US]; (US) (For US Only).
KIRKMAN, James, P. [US/US]; (US) (For US Only).
BIERER, Jeffrey, H. [US/US]; (US) (For US Only)
Inventors: ARIFF, Kazi, M.; (US).
SMITH, Carol, A.; (US).
JOHNSON, Shane, A.; (US).
TIPPER, Russell, W.; (US).
LI, Yicong; (US).
O'CONNOR, Sean, M.; (US).
KELLEY, Thomas, D.; (US).
THOMAS, Susan, S.; (US).
BOROWSKI, William, F.; (US).
AHERON, William, J.; (US).
ANDERSON, Judith, M.; (US).
HAYES, Steven, K.; (US).
WOLFSON, Neal, G.; (US).
JUDD, Jeffrey, P.; (US).
KIRKMAN, James, P.; (US).
BIERER, Jeffrey, H.; (US)
Agent: MCAVOY, Christopher, W.; Moore & Van Allen PLLC For Bofa 430 Davis Drive, Suite 500 P.O. Box 13706 Research Triangle Park, NC 27709 (US)
Priority Data:
12/414,433 30.03.2009 US
Title (EN) SYSTEMS AND METHODS FOR BUDGET GUARDRAILS
(FR) SYSTÈMES ET PROCÉDÉS DE GARDE-FOUS BUDGÉTAIRES
Abstract: front page image
(EN)Systems, methods, and computer program products are provided for user-configured spending guardrails in a budget tracking system. The use of spending guardrails is instrumental in insuring that the user of the budget tracking system adheres to their assigned budget. By providing for dynamically configurable spending thresholds the user may define, change, suspend or the like spending guardrails as dictated by current circumstances. The configurable nature of the guardrails insures that guardrails are tailored to the needs of the individual user.
(FR)L'invention concerne des systèmes, des procédés et des produits programmes informatiques destinés à des garde-fous de dépenses adaptés à l'utilisateur dans un système de suivi budgétaire. L'utilisation de garde-fous de dépenses contribue à assurer que l'utilisateur du système de suivi budgétaire respecte le budget alloué. La mise à disposition de seuils de dépenses modulables de manière dynamique permet à l'utilisateur de définir, modifier, suspendre, entre autres, les garde-fous de dépenses en fonction des circonstances auxquelles il est confronté. Ces garde-fous étant modulables, ils peuvent donc être adaptés aux besoins de l'utilisateur individuel.
Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IS, JP, KE, KG, KM, KN, KP, KR, KZ, LA, LC, LK, LR, LS, LT, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PE, PG, PH, PL, PT, RO, RS, RU, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW.
African Regional Intellectual Property Organization (BW, GH, GM, KE, LS, MW, MZ, NA, SD, SL, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, ML, MR, NE, SN, TD, TG).
Publication Language: English (EN)
Filing Language: English (EN)