Graphical Representation of Financial Transactions

• US 20090150272A1
• Filed: 12/07/2007
• Published: 06/11/2009
• Est. Priority Date: 12/07/2007
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Blythe, Simon
• Application Number:
  US11/952,409
• Publication Number:
  US 20090150272A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A statement generator allows financial institutions to present transaction information as a graphical representation to an account holder in, for example, a statement of purchases. The statement generator obtains transaction information associated with an account holder and maps the transaction information to correlate the transaction information with at least one parameter. The transaction information can include at least one of a purchase amount, a purchase location, a purchase time, or a purchase category. The at least one parameter includes at least one of a purchase location, a purchase time, a purchase amount, or a purchase category. The statement generator depicts the mapping to the account holder to identify a correlation between transactions. The depiction can be a print out of the mapping or the mapping can be rendered on a display.

Claims

1. A method of presenting transaction information comprising:

retrieving transaction information for past financial transactions associated with an account holder from a storage medium;

correlating the transaction information with at least one parameter using a statement generator implemented by one or more financial institution terminals; and

depicting the transaction information and the at least one parameter graphically to the account holder by the statement generator based on the correlating to identify a relationship between the past financial transactions using a visual diagram.

2. The method of claim 1, wherein the depicting comprises generating a print out of the correlation.

3. The method of claim 1, wherein the depiction comprises rendering the correlation on at least one of geographic map being depicted on a on a display and a time line being depicted on a on a display.

4. The method of claim 1, wherein the transaction information includes at least one of a purchase amount, a purchase location, a purchase time, or a purchase category.

5. The method of claim 1, wherein the at least one parameter includes at least one of a purchase location, a purchase time, a purchase amount, or a purchase category.

6. The method of claim 1, wherein depicting the transaction information and the at least one parameter graphically to the account holder by the statement generator based on the correlating to identify a relationship between the past financial transactions using a visual diagram comprises forming a three dimensional (3D) shape to depict the relationship between the financial transactions.

7. The method of claim 1, wherein correlating the transaction information comprises correlating a purchase amount to a location to graphically identify the location of a purchase.

8. The method of claim 1, wherein correlating the transaction information comprises correlating a purchase amount to a time value to graphically identify a time of a purchase.

9. The method of claim 1, further comprising detecting a fraudulent purchase based on the correlation.

10. The method of claim 1, wherein the depicting further comprising identifying at least one of a promotion, discount, or incentive associated with a purchase.

11. A computer readable medium storing instructions executable by a computing device to implement a method of graphically representing at least one financial transaction, the method comprising:

retrieving transaction information for past financial transactions associated with an account holder from a storage medium;

correlating the transaction information with at least one parameter using a statement generator implemented using one or more financial institution terminals; and

depicting the transaction information and the at least one parameter graphically to the account holder by the statement generator based on the correlating to identify a relationship between the past financial transactions using a visual diagram.

12. The medium of claim 11, wherein the depicting comprises generating a print out of the correlation.

13. The medium of claim 11, wherein the depiction comprises rendering the correlation on at least one of geographic map being depicted on a display and a time line being depicted on a on a display.

14. The medium of claim 11, wherein the transaction information includes at least one of a purchase amount, a purchase location, a purchase time, or a purchase category.

15. The medium of claim 11, wherein the at least one parameter includes at least one of a purchase location, a purchase time, a purchase amount, or a purchase category.

16. The medium of claim 11, wherein depicting the transaction information and the at least one parameter graphically to the account holder by the statement generator based on the correlating to identify a relationship between the past financial transactions using a visual diagram comprises forming a three dimensional (3D) shape to depict the relationship between the financial transactions.

17. The medium of claim 11, wherein correlating the transaction information comprises correlating a purchase amount to a location to graphically identify the location of a purchase.

18. The medium of claim 11, wherein correlating the transaction information comprises correlating a purchase amount to a time value to graphically identify a time of a purchase.

19. The medium of claim 11, further comprising detecting a fraudulent purchase based on the correlation.

20. A system for generating a graphical representation of financial transaction comprising:

storage for storing transaction information for past financial transactions associated with an account holder;

a statement generator for generating a graphical representation based on the transaction information associated with an account holder and at least one parameter, where the statement generator correlates the transaction information with the at least one parameter and depicts the transaction information and the at least one parameter based on the correlation to identify a relationship between the past financial transactions using a visual diagram.

21. The system of claim 20, wherein the statement generator depicts the graphical representation as at least one of a print out or a display of the correlation.

22. The system of claim 20, wherein the transaction information includes at least one of a purchase amount, a purchase location, a purchase time, or a purchase category and the at least one parameter includes at least one of a purchase location, a purchase time, a purchase amount, or a purchase category.

23. The system of claim 20, wherein the statement generator correlates a purchase amount to a location to graphically identify a location of a purchase.

24. The system of claim 20, wherein the statement generator correlates a purchase amount to a time value to graphically identify a time of a purchase.

25. The system of claim 20, wherein the storage is remote to the statement generator.