Abstract: A method and apparatus are disclosed that provide for automated financial resource allocation and accountability among various groups of budgeted accounts, which are overlaid on at least one actual account. The method provides for the user to establish the accounts to be budgeted. The user then establishes a preset spending allocation amount for each account. Each time the user makes a spending allocation for that particular account, the account reflects the amount spent and notifies the user of the remaining amount allocated for that account during a given period. Thus, the user has a more accurate accounting of an established budget with respect to the established accounts, the resources allocated to each account, and the funds actually spent from each account.

Abstract: The present invention relates to an automated, mobile method for remotely managing the resources of a job-based business through real-time allocation of the resources among a set of user-defined virtual spending accounts. The method enables the user to establish two layers of virtual accounts. One layer comprises job accounts that represent individual jobs or projects. The other layer comprises allocation accounts that represent categories of transactions such as “materials,” “labor,” “facilities,” and “insurance.” The user uses these virtual accounts in conjunction with actual accounts to track the user's transactions in real time. The user may also use the present invention to create and remotely transmit purchase orders and invoices, keep a record of employees, enter employee time sheets, process payroll, and allocate and reconcile incoming and outgoing transactions between the various virtual accounts.

Abstract: Embodiments of the present invention relate to systems, methods and apparatus for the generation, transmission, storage and manipulation of electronic receipts which communicate itemized purchase transaction information. Preferred embodiments comprise wireless vendor devices and wireless purchaser devices which transmit electronic receipts at a point-of-sale for documentation of a purchase transaction. Further processing of the electronic receipt information may be performed with a purchaser device or with a secondary computing device after subsequent receipt transmission to that secondary device.

Abstract: Embodiments of the present invention relate to systems, methods and apparatus for the generation, transmission, storage and manipulation of electronic receipts which communicate itemized purchase transaction information. Preferred embodiments comprise wireless vendor devices and wireless purchaser devices which transmit electronic receipts at a point-of-sale for documentation of a purchase transaction. Further processing of the electronic receipt information may be performed with a purchaser device or with a secondary computing device after subsequent receipt transmission to that secondary device.

Abstract: The present invention relates to an automated, mobile method for remotely managing the resources of a job-based business through real-time allocation of the resources among a set of user-defined virtual spending accounts. The method enables the user to establish two layers of virtual accounts. One layer comprises job accounts that represent individual jobs or projects. The other layer comprises allocation accounts that represent categories of transactions such as “materials,” “labor,” “facilities,” and “insurance.” The user uses these virtual accounts in conjunction with actual accounts to track the user's transactions in real time. The user may also use the present invention to create and remotely transmit purchase orders and invoices, keep a record of employees, enter employee time sheets, process payroll, and allocate and reconcile incoming and outgoing transactions between the various virtual accounts.

Abstract: A method and apparatus are disclosed that provide for automated financial resource allocation and accountability among various groups of budgeted accounts, which are overlaid on at least one actual account. The method provides for the user to establish the accounts to be budgeted. The user then establishes a preset spending allocation amount for each account. Each time the user makes a spending allocation for that particular account, the account reflects the amount spent and notifies the user of the remaining amount allocated for that account during a given period. Thus, the user has a more accurate accounting of an established budget with respect to the established accounts, the resources allocated to each account, and the funds actually spent from each account.