{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11263692","patent":{"patent_number":"US-11263692","title":"Controlling a spending account based on user spending habits","assignee":null,"inventors":[],"filing_date":"2019-11-19T00:00:00.000Z","publication_date":"2022-03-01T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":17,"abstract":"Aspects described herein may allow for receiving authorization allowing monitoring a user's spending account. A base-line spending profile and a dysfunctional spending profile for the user are established. When notification of a pending purchase transaction is received, a determination is made as to whether the pending purchase transaction is in accordance with the base-line spending profile of the user. If the pending purchase transaction is in accordance with the base-line spending profile of the user, the pending purchase transaction is allowed, however, if the pending purchase transaction is not in accordance with the base-line spending profile of the user, then a temporary secondary approval may be instituted for a predetermined period of time and a secondary approval person is electronically notified that their approval is required before allowing the pending purchase transaction to be made using the spending account of the user."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Controlling a spending account based on user spending habits","description":"Aspects described herein may allow for receiving authorization allowing monitoring a user's spending account. A base-line spending profile and a dysfunctional spending profile for the user are establi","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11263692","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11263692","citation_suggestion":"Patentable. \"Controlling a spending account based on user spending habits\" (US-11263692). https://patentable.app/patents/US-11263692","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11263692","json":"https://patentable.app/api/llm-context/US-11263692","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T10:34:43.133Z"}