Abstract: Embodiments of the invention are directed to systems, methods and computer program products enabling a user of an account to pictorially view available funds over a predetermined period in the future and thereby enable informed bill payment scheduling. In some embodiments, a method comprises determining, for a predetermined period in the future, at least one bill payment to be made using funds associated with the account; initiating, via a mobile network, presentation of a graphical indicator indicating the at least one bill payment; and initiating, via the mobile network, presentation of an account balance graph associated with the account based at least partially on the at least one bill payment, wherein the account balance graph indicates the account balance during the predetermined period in the future.

Abstract: Systems and methods for monitoring categorized spending limits and promoting savings are provided herein. The systems and methods, identify transactions associated with a spending category that occur during a period of time based on the transaction data, where the spending category comprises a spend limit; provide a confirmation prompt on a display of a mobile device of a user that is in communication with the system; and deduct a transaction amount for each of the transactions from the spend limit in response to receiving a confirmation from the user.

Abstract: Embodiments of the invention relate to systems, methods, and computer program products for providing a financial document processing system. The system receives an image of a financial document, such as a check, and identifies at least a transaction amount from the financial document. Then the system determines account information associated with the financial document. The system may identify a routing and account number on the financial document or identify the document based on a name on the document. Once the transaction amount and account information are known, the system determines a prospective balance for a financial account based on the account information and the transaction amount. If there are funds at least equal to the transaction amount in the financial account, the system validates the transactions. In some embodiments, the system also immediately updates the balance of the account and/or offers to complete the transaction.