Patents by Inventor Prasad Murari Hebbar

Prasad Murari Hebbar has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Real-Time Spend Management with Savings Goals
    Publication number: 20160232526
    Abstract: A computer-implemented method, including receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts; determining, by the one or more computer systems, whether a discretionary balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request, with the discretionary balance being based on an amount of funds that are available in the one or more financial accounts and a portion of the available funds allocated to a savings goal; causing an approval of the withdrawal request when the discretionary balance is greater than or equal to the amount of the withdrawal request; and sending a real time notification to a client device of a user associated with the one or more financial accounts when the discretionary balance is less than the amount of the withdrawal request with a real time opportunity for the user to reduce funds allocated to savings goals if required and thereby increasing the discretionary balan
    Type: Application
    Filed: February 8, 2016
    Publication date: August 11, 2016
    Inventors: Ninad Vasant Akole, Jayesh Rajagopalan Chakravarthi, Prasad Murari Hebbar
  • Real-time spend management with savings goals
    Patent number: 9256876
    Abstract: A computer-implemented method, including receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts; determining, by the one or more computer systems, whether a discretionary balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request, with the discretionary balance being based on an amount of funds that are available in the one or more financial accounts and a portion of the available funds allocated to a savings goal; causing an approval of the withdrawal request when the discretionary balance is greater than or equal to the amount of the withdrawal request; and sending a real time notification to a client device of a user associated with the one or more financial accounts when the discretionary balance is less than the amount of the withdrawal request with a real time opportunity for the user to reduce funds allocated to savings goals if required and thereby increasing the discretionary balan
    Type: Grant
    Filed: February 3, 2014
    Date of Patent: February 9, 2016
    Assignee: FMR LLC
    Inventors: Ninad Vasant Akole, Jayesh Rajagopalan Chakravarthi, Prasad Murari Hebbar
  • Real-Time Spend Management with Savings Goals
    Publication number: 20150220923
    Abstract: A computer-implemented method, including receiving, by one or more computer systems, a withdrawal request for withdrawal of funds from one or more financial accounts; determining, by the one or more computer systems, whether a discretionary balance of the one or more financial accounts is greater than or equal to an amount of the withdrawal request, with the discretionary balance being based on an amount of funds that are available in the one or more financial accounts and a portion of the available funds allocated to a savings goal; causing an approval of the withdrawal request when the discretionary balance is greater than or equal to the amount of the withdrawal request; and sending a real time notification to a client device of a user associated with the one or more financial accounts when the discretionary balance is less than the amount of the withdrawal request with a real time opportunity for the user to reduce funds allocated to savings goals if required and thereby increasing the discretionary balan
    Type: Application
    Filed: February 3, 2014
    Publication date: August 6, 2015
    Applicant: FMR LLC
    Inventors: Ninad Vasant Akole, Jayesh Rajagopalan Chakravarthi, Prasad Murari Hebbar