System and method for matching a savings opportunity using census data
First Claim
Patent Images
1. A method, comprising:
- receiving by at least one computer;
(1) transaction data from a user'"'"'s financial account that is maintained on behalf of the user,(2) criteria, set by a merchant, and related to at least one transaction data characteristic desired by the merchant, and(3) census data, from a third party computer, related to the user;
matching a savings opportunity from a database of savings opportunities to the user based on a comparison of the transaction data to the criteria and the third party census data, the matched savings opportunity being from the merchant;
displaying the matched savings opportunity in association with an electronic account statement of the user'"'"'s financial account;
tracking a response, received at the at least one computer and from the user, to the displayed matched savings opportunity, wherein the response indicates whether the user accepted the displayed matched savings opportunity, wherein the response includes a request for additional information about the matched savings opportunity, the request for additional information including expand/collapse behavior related to obtaining the additional information about the matched savings opportunity;
matching a purchase reward to the user based on the expand/collapse behavior;
when the response indicates the user does not accept the displayed matched savings opportunity, generating a geo-enhanced savings opportunity;
tracking mobile device location information, generated by a mobile device of the user and using the at least one computer, and transmitting the geo-enhanced savings opportunity to the mobile device when the mobile device location information indicates the mobile device is in a location area defined by the merchant to alert the user of the geo-enhanced savings opportunity,receiving, at the mobile device of the user, the geo-enhanced savings opportunity when the mobile device location information indicates the mobile device is in the location area defined by the merchant; and
filtering, in a mobile application on the mobile device, for presentation to the user, available savings opportunities displayed in a graphical user interface of the mobile application based on geographic proximity to the merchant, the available savings opportunities including the geo-enhanced savings opportunity.
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Abstract
A system and method for matching a savings opportunity using census data includes gathering transaction data from a user'"'"'s financial account and analyzing the transaction data for a savings opportunity indication. Third party census data related to a geographic location of the user may be used in addition to the savings opportunity indication to match a savings opportunity from a database of savings opportunities to the user. The savings opportunity is displayed in association with a statement of the user'"'"'s financial account.
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Citations
17 Claims
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1. A method, comprising:
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receiving by at least one computer; (1) transaction data from a user'"'"'s financial account that is maintained on behalf of the user, (2) criteria, set by a merchant, and related to at least one transaction data characteristic desired by the merchant, and (3) census data, from a third party computer, related to the user; matching a savings opportunity from a database of savings opportunities to the user based on a comparison of the transaction data to the criteria and the third party census data, the matched savings opportunity being from the merchant; displaying the matched savings opportunity in association with an electronic account statement of the user'"'"'s financial account; tracking a response, received at the at least one computer and from the user, to the displayed matched savings opportunity, wherein the response indicates whether the user accepted the displayed matched savings opportunity, wherein the response includes a request for additional information about the matched savings opportunity, the request for additional information including expand/collapse behavior related to obtaining the additional information about the matched savings opportunity; matching a purchase reward to the user based on the expand/collapse behavior; when the response indicates the user does not accept the displayed matched savings opportunity, generating a geo-enhanced savings opportunity; tracking mobile device location information, generated by a mobile device of the user and using the at least one computer, and transmitting the geo-enhanced savings opportunity to the mobile device when the mobile device location information indicates the mobile device is in a location area defined by the merchant to alert the user of the geo-enhanced savings opportunity, receiving, at the mobile device of the user, the geo-enhanced savings opportunity when the mobile device location information indicates the mobile device is in the location area defined by the merchant; and filtering, in a mobile application on the mobile device, for presentation to the user, available savings opportunities displayed in a graphical user interface of the mobile application based on geographic proximity to the merchant, the available savings opportunities including the geo-enhanced savings opportunity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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Specification