Systems and methods for searching financial data

Patent metadata

Field	Value
Publication number	US-2015149432-A1
Application number	US-201414549217-A
Country	US
Kind code	A1
Filing date	Nov 20, 2014
Priority date	Nov 22, 2013
Publication date	May 28, 2015
Grant date	—

Abstract

Systems and methods are provided for searching financial data. For example, a device for searching transaction information is disclosed. The device may include interface hardware for receiving and providing information and a memory device for storing instructions. The device may also include one or more hardware processors configured to execute the instructions to receive a user request for information associated with one or more transactions in the form of a search query, transmit the search query to a transaction search engine for identification of one or more concepts from the search query, and receive, from the transaction search engine, responsive transaction data determined based on the one or more concepts identified from the search query. The one or more hardware processors may be further configured to determine a result that satisfies the user request based on the responsive transaction data, and provide the result via the interface hardware.

First claim

What is claimed is:

1 . A client device for searching transaction information, comprising:
interface hardware for receiving and providing information; a memory device for storing instructions; one or more hardware processors configured to execute the instructions to:
receive, via the interface hardware, a user request for information associated with one or more transactions in the form of a search query;
transmit the search query to a transaction search engine for identification of one or more concepts from the search query;
receive, from the transaction search engine, responsive transaction data determined based on the one or more concepts identified from the search query;
determine a result that satisfies the user request based on the responsive transaction data; and
provide the result via the interface hardware.

2 . The client device of claim 1 , wherein the search query includes an ordering of one or more letters, words, phrases, numbers, spaces, and/or punctuation, representing the user request.

3 . The client device of claim 1 , wherein the requested information is past transactions that correspond to the one or more concepts, and the result includes a list of the transactions that correspond the one or more concepts.

4 . The client device of claim 3 , wherein the search query includes a transaction descriptor, and the result includes a list of transactions that include the transaction descriptor.

5 . The client device of claim 4 , wherein the transaction descriptor is a merchant category.

6 . The client device of claim 1 , wherein the requested information is a total amount spent on transactions that satisfy the one or more concepts, and the result includes the total amount spent.

7 . The client device of claim 1 , wherein the search query includes a question.

8 . The client device of claim 7 , wherein the result includes an answer to the question.

9 . The client device of claim 1 , wherein the result includes an interactive visual aid.

10 . The client device of claim 1 , wherein the result includes an estimate of future spending or future spending ability.

11 . A system for searching financial transactions, comprising:
one or more memory devices storing instructions; and one or more processors configured to execute the instructions to:
receive a search query indicating at least one parameter for a search of financial data associated with a user;
identify one or more concepts associated with at least one component of the search query;
determine responsive financial data based at least on the identified concepts; and
generate final results responsive to the search query.

12 . The system of claim 11 , wherein the one or more processors is further configured to:
generate a contextualized concept associated with the search query based at least on the one or more financial concepts; and determine at least one financial transaction based at least on the contextualized concept.

13 . The system of claim 12 , wherein generating the contextualized concept further includes generating the contextualized concept based at least on user information.

14 . The system of claim 13 , wherein the additional user information includes at least user settings and previous user searches.

15 . The system of claim 11 , wherein the financial data includes a plurality of transaction descriptions, each transaction description including data associated with a financial transaction.

16 . The system of claim 15 , wherein the plurality of transaction descriptions include enhanced transaction descriptions comprising data not included in transaction data associated with purchase transactions.

17 . The system of claim 11 , wherein the one or more processors is further configured to:
determine a form of the final results based at least on the search query and the contextualized concept.

18 . The system of claim 11 , wherein the final results includes a list of transaction descriptions.

19 . The system of claim 11 , wherein the one or more processors is further configured to:
provide a search report providing transaction data responsive to the search query separate from the final results.

20 . A mobile device for searching financial data, comprising:
interface hardware for receiving and providing information; a memory device for storing instructions; one or more hardware processors configured to execute the instructions to:
receive, via the interface hardware, a search query in the form of a question related to past or future transactions;
transmit the search query to a transaction search engine for identification of transactions related to the search query;
receive, from the transaction search engine, responsive transaction data associated with the transactions related to the search query;
determine an answer to the question based on the responsive transaction data; and
provide the answer via the interface hardware.

Assignees

• Capital One Financial Corp

Inventors

• Hart Colin
• Lafeer Mohamed
• Calandro Sarah
• Rephlo Jeremy
• Totman Scott

Classifications

• G06Q40/00

  Finance; Insurance; Tax strategies; Processing of corporate or income taxes · CPC title

• G06F16/951 Primary

  Indexing; Web crawling techniques · CPC title

• G06F16/9535 Primary

  Search customisation based on user profiles and personalisation · CPC title

• G06F17/30864 Primary

  Physics · mapped topic