Patent ID: 7970669

Claim:
A method for capturing and tracking a transaction corresponding to a purchase of a product by a user at a Point-of-Sale (POS) register, comprising: calculating an initial balance of a financial account of the user; sending, by the POS register and after calculating the initial balance, a transaction data item corresponding to the transaction to a mobile device of the user after the product is purchased, wherein the transaction data item comprises a transaction debit amount and a transaction payment type indicating check payment, wherein the transaction comprises paying for the purchase using a check to debit the transaction debit amount from the financial account, and wherein the product and the mobile device are separate from the financial account; receiving, by a server application, the transaction data item from the mobile device; calculating a first real-time balance of the financial account based the initial balance and the transaction debit amount; and presenting the first real-time balance of the financial account to the user.