Abstract: This is an expenditure data recording system using a uniquely designed classification binary code (or its equivalent) stored within the point of sale terminal system consisting of a cash register, a credit/debit card reader, and a telecommunications line. In a sales transaction, a credit/debit card passes through this reconfigured point of sale terminal not only to furnish relevant information (date/time, vendor identification, cardholder's name and account number, and transaction amount), but also to classify the expenditure by category via instant telecommunications link upon approval by the credit/debit card issuer (financial institution). Whenever there is a needed classification change at the point of sale terminal, one utilizes a unique set of color, binary-encoded cards to redefine a new expenditure category.

Abstract: This is a uniquely designed bank check which integrates the classification grid of expenditures for any household or business; whereupon the payer of the check initially marks only one applicable space from said grid; whereupon the payer's processor utilizes the image-captured, relevant information from the check; whereupon the payer's processor forwards said information, automatically produces a finalized financial report, and sends it to the payer of the check at the end of any monthly/annual check processing cycle.