Patent ID: 9727910
Date: 2017-08-08
CPC Classifications: G06Q

Claim:
1. A computer implemented method for implementing an antecedent, location-based alert to a user through a mobile communication device, the method being performed by a computing apparatus of the mobile communication device and comprising: the computing apparatus providing an antecedent, location-based alert to a user prior to initiation of one or more transactions between the user and an organization and without knowledge of true intent of the user at least by performing: the computing apparatus comprising a processor and a positioning device and identifying the organization at least by receiving positioning data that is determined by using at least one or more positioning signals received from one or more positioning satellite systems at the positioning device in the mobile communication device carried by the user and coupled to the one or more positioning satellite systems, by repeatedly receiving the one or more positioning signals and updating the positioning data at the positioning device with the one or more positioning signals, and, after passage of a pre-determined period of time after receiving the positioning data, by identifying the organization from multiple organizations, which correspond to the positioning data, with a data structure and one or more complementary positioning signals that enhance positioning accuracy of the positioning data and are received from a complementary positioning device on the mobile communication device based in part or in whole upon results of repeatedly updating the positioning data, wherein a transaction identification and determination module coupled with the processor in the computing apparatus identifying multiple potential transactions for the organization prior to the initiation of the one or more transactions between the user and the organization and without the knowledge of the true intent of the user, wherein the multiple potential transactions correspond to multiple transaction categories having respective transaction limits for the user and are associated with the organization for the user; the transaction identification and determination module coupled with the processor in the computing apparatus determining a potential transaction of a first transaction type from the multiple potential transactions of multiple transaction types for the user to conduct at the organization based at least in part upon a current time when the user is inside of or in proximity of the organization, the positioning data, and historical transaction data of the user, wherein the historical transaction data include one or more prior transaction patterns during one or more prior time periods, and different times correspond to different transaction types of the multiple transaction types for the user; the transaction identification and determination module coupled with the processor in the computing apparatus determining a potential transaction amount for the potential transaction prior to the initiation or completion of the potential transaction, without the knowledge of the true intent of the user at the store; an antecedent alert module stored at least partially in memory of the computing apparatus coupled to a financial management system hosted on a remote host computing system via a computer network and generating or receiving transaction data associated with a goal of the user for the first transaction type in response to at least the potential transaction that is determined by the computing apparatus from the multiple potential transactions; and the antecedent alert module in the computing apparatus presenting the antecedent, location-based alert and at least some of the transaction data to the user on the mobile communication device, wherein the goal of the user comprises a budget goal for the first transaction type, and the transaction limits comprise at least one budget limit associated with the first transaction type.