PROVIDING FINANCIAL TRANSACTION DATA TO A USER
The disclosure extends to computer-implemented personal financial management tools, methods and systems for providing financial transaction data to a user in the form of transaction images, such as check images, deposit images, receipt images, and other transaction related images, which may be incorporated into the personal financial management tool. The disclosure also extends to computer-implemented personal financial management tools, methods and systems for receiving core data, which may include transaction data, from a financial or banking institution and processing the data by cleansing the data, automatically categorizing the data, classifying the data, and then sending that processed data back to the financial or banking institution. The disclosure also extends to receiving and sending such data to and from the financial or banking institution in real-time.
1 . A method of providing financial transaction data to a user comprising:
receiving at least one digital data record of one of the following digital images: check images, deposit images, receipt images, or a transaction image;
wherein the digital images represent real world financial documents digitized into a digital data record;
wherein digitization of the financial transaction is performed by computing components connected over a computer network;
wherein the at least one digital data record comprises attributes of the financial transaction;
storing the at least one digital data record in computer readable storage;
deriving transaction data from the at least one digital data record; and
providing the transaction data and the at least one digital record to a user in the form of an image.
2 . The method of claim 1 , wherein the method further comprises scraping the at least one digital data record to obtain the attributes of the financial transaction; and
translating the attributes of the financial transaction into transaction data that comprises a string of computer readable characters.
3 . The method of claim 1 , wherein the attributes comprise a date, a payee, an amount of the financial transaction, and any other additional data contained on the at least one data record.
4 . The method of claim 1 , wherein the user is a personal financial management software provider.
5 . The method of claim 1 , wherein the user is an end user of personal financial management software product.
6 . The method of claim 1 , wherein the user is a financial institution.
7 . The method of claim 1 , wherein the user is a banking provider.
8 . The method of claim 7 , wherein the banking provider is an online banking provider.
9 . The method of claim 1 , wherein the at least one data record is received using an aggregation method that gathers data from one or more financial institutions.
10 . The method of claim 1 , wherein the method further comprises aggregating the at least one data record from one or more financial institutions.
11 . The method of claim 1 , wherein the transaction data is provided to a user in real-time.
12 . The method of claim 1 , wherein the attributes comprise a category of the financial transaction, a classification of the financial transaction, and other additional data relating to the financial transaction and contained on the at least one data record.
13 . A system of providing financial data relating to a real world financial transaction to a user comprising:
a personal financial management tool;
an aggregation router that pulls financial transaction data from at least one financial institution over a computer network in the form of at least one digital data record into the personal financial management tool for use by a user;
wherein the at least one digital data record is comprised of one or more of the following:
check images, or
deposit images, or
receipt images, or
transaction images relating to a real world financial transaction,
wherein the at least one digital data record comprises attributes of the financial transaction.
14 . The system of claim 13 , wherein the system further comprises a processor for running computer readable instructions that translate the at least one digital data record into a string of computer readable characters that represent the attributes of the financial transaction; and
computer readable storage for storing the financial transaction data therein for access by a user.
15 . The system of claim 13 , wherein the attributes comprise a date, a payee, an amount of the financial transaction, and any other additional data contained on the at least one data record.
16 . The system of claim 13 , wherein the user is a personal financial management software provider.
17 . The system of claim 13 , wherein the user is an end user of personal financial management software product.
18 . The system of claim 13 , wherein the user is a financial institution.
19 . The system of claim 13 , wherein the user is a banking provider.
20 . The system of claim 19 , wherein the banking provider is an online banking provider.
21 . The system of claim 13 , wherein the transaction data is provided to a user in real-time.
22 . The system of claim 13 , wherein the attributes comprise a category of the financial transaction, a classification of the financial transaction, and other additional data relating to the financial transaction and contained on the at least one data record.