Michael J Vanleeuwen

US Patent:

20090030819, Jan 29, 2009

Filed:

Sep 16, 2008

Appl. No.:

12/283982

Inventors:

Michael J. VanLeeuwen - Salt Lake City UT, US

International Classification:

G06Q 20/00

US Classification:

705 30, 705 35

Abstract:

A method is provided for analyzing a user's finances and providing a plan for debt reduction. The method includes acquiring aggregated financial data for a user from a financial data clearinghouse. Another step is classifying financial transactions received with the aggregated financial data into a plurality of budget categories without user input. A further step is applying the financial transactions to the budget categories. The budget categories further include a budget amount and budget balance. An additional step is modifying the budget balances without user input based on increases or decreases caused by the financial transactions. A further step is displaying the budget categories, budget amounts, modified budget balances and the financial transactions to aid the user in debt reduction.

US Patent:

20020123949, Sep 5, 2002

Filed:

Dec 17, 2001

Appl. No.:

10/024128

Inventors:

Michael VanLeeuwen - Salt Lake City UT, US

International Classification:

G06F017/60

US Classification:

705/035000

Abstract:

A method is provided for analyzing a user's finances and providing a plan for debt reduction. The method includes acquiring aggregated financial data for a user from a financial data clearinghouse. Another step is classifying financial transactions received with the aggregated financial data into a plurality of budget categories without user input. A further step is applying the financial transactions to the budget categories. The budget categories further include a budget amount and budget balance. An additional step is modifying the budget balances without user input based on increases or decreases caused by the financial transactions. A further step is displaying the budget categories, budget amounts, modified budget balances and the financial transactions to aid the user in debt reduction.