Identifying products and services based on a budget

Abstract

A system, a method, a server, a computer processing platform, and non-transitory computer-readable medium for enabling the identifying of products and services on-line based on a user budget. A financial budget is generated based on personal financial information provided by a user. Search criteria are generated based on the budget and product/service criteria provided by the user. A search engine is accessed to initiate an on-line search using the generated search criteria. Returned search results are processed to generate purchase recommendations for the user based on the budget and the product/service criteria. The purchase recommendations are sent to the user where the user may make a purchase request based on the recommendations. The purchase of a product or service may be facilitated in response to the purchase request and the budget may be updated based on the purchase.

What is claimed is: 
     
         1 . A system for enabling the identifying of products and services on-line based on a user budget, said system comprising:
 a budget application server computer hosting a budget-based product/service software application and storing financial information of at least one user;   at least one search engine;   at least one product or service web site hosted on a web server computer.   
     
     
         2 . The system of  claim 1  wherein said budget application server computer, said at least one search engine, and said at least one product or service web site are configured to communicate with each other via the internet. 
     
     
         3 . The system of  claim 1  further comprising at least one user web browser hosted on a user computer. 
     
     
         4 . The system of  claim 1  wherein said budget-based product/service software application includes a budget-generating software module. 
     
     
         5 . The system of  claim 4  wherein said budget-generating software module is configured to generate a budget based on the financial information of at least one user and update the budget based on at least one user on-line purchase. 
     
     
         6 . The system of  claim 1  wherein said budget-based product/service software application includes a search criteria-generating software module. 
     
     
         7 . The system of  claim 1  wherein said budget-based product/service software application includes a search results processing software module. 
     
     
         8 . The system of  claim 1  wherein said budget-based product/service software application includes a purchasing software module. 
     
     
         9 . The system of  claim 1  wherein said budget-based product/service software application includes a communication interface software module. 
     
     
         10 . The system of  claim 7  wherein said at least one product or service web site is configured with product or service data that are compatible with fillable data fields of said search results processing software module.