US Patent 11030616 Cognitive mobile wallet management

Systems and methods for cognitive mobile wallet management are disclosed. In embodiments, a method comprises: obtaining, by a computing device, user contextual data; determining, by the computing device, a potential user purchase and an associated purchase category; and dynamically determining, by the computing device, a flexible spending rule for the purchase category based on one or more stored spending rules and the contextual data, wherein the flexible spending rule changes an amount of currency available to a user through the computing device.