Abstract: Techniques for credential free, alert based personal finance management are disclosed herein. An embodiment of a credential free, alert based method comprises receiving from a financial institution a transaction message indicating a transaction that occurs a short time period ago; recognizing the transaction message and translating the transaction message into an alert in a predetermined uniform format; transmitting the alert to a user's device and prompting a user to tag the transaction with at least one category; and receiving from the user's device a response indicating the category that the user tagged.

Abstract: A technique involves processing a first event, maintaining state associated with the event, sending an alert on a stateless communication channel to a registered destination of an account holder associated with the event, processing a second event such as an expected response to the alert, updating the maintained state, and closing, reminding, or escalating in response to the second event. The technique can also include aggregation of events.

Abstract: A method for effecting the execution of an application function on an application server from a client device with a smart card. The method includes transmitting a first text message pertaining to a request to execute the application function to the proxy server. The method also includes sending a token request message to the user at a text message confirmation address that is different from the text message origination address, generating a token in the smart card, and transmitting the token to the proxy server. If the token is valid, the method includes executing the application function at the application server as specified by the first text message, whereby the first application function is ascertained based at least on the text message destination address.

Abstract: A method for effecting the execution of an application function on an application server from a client device via a proxy server, including transmitting a first text message pertaining to a request to execute the application function to the proxy server. The method additionally includes authenticating a user associated with the first text message by authenticating the user via a confirmation address that is different from the text message origination address. After authentication, the method also includes executing the application function at the application server as specified by the first text message, whereby the first application function is ascertained based at least on the text message destination address.

Abstract: A method for effecting the execution of an application function on an application server from a client device includes receiving from the client device at a proxy server a first message that pertains to a request to execute an application function, and that conforms to a text-based user-to-user messaging protocol, and that includes a human-readable input parameter. The method also includes authenticating a user associated with the first message origination address by sending an authentication message to the user at a message confirmation address, and receiving confirmation from the user responsive to the authentication message. If the user is authenticated, the method further includes generating a second message using the human-readable input parameter and transmitting the second message to the application server.