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SMART SPENDER CUSTOMER SERVICE SYSTEM AND METHOD

Abstract:

A non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to receive via a networking link a transaction query from a mobile device, comprising a customer identifier; to retrieve customer account data associated with the customer, such as a bank account or a credit card account; to determine, from the customer account data, a customer financial profile, including a set of recurring customer expenses and a set of recurring customer income; to generate an advice message for transmission to the customer, where the advice message is based upon the customer financial profile, and further includes a customer query, and to send, via the networking link, the advice message to the mobile device, before completion of the transaction. As such, the advice message may further include a calculated current spending limit, a budget planner message based upon spend information, or a balance projection based upon the spend information.