SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT
First Claim
1. A method, comprising:
- following a secure user login procedure, presenting a graphical user interface where a user'"'"'s financial transaction data are presented, wherein the financial transaction data were obtained from a financial institution that maintains a financial account on behalf of the user; and
presenting a savings opportunity, in proximity to the financial transaction data, wherein the savings opportunity relates to the financial transaction data.
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Accused Products
Abstract
The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider'"'"'s services, options, terms, conditions, costs, or how the service options change based on the consumer'"'"'s particular usage characteristics. The disclosed comparison shopping method uses the consumer'"'"'s actual or predicted service usage data. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user'"'"'s financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user'"'"'s financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented online with a user'"'"'s financial transaction data.
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Citations
22 Claims
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1. A method, comprising:
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following a secure user login procedure, presenting a graphical user interface where a user'"'"'s financial transaction data are presented, wherein the financial transaction data were obtained from a financial institution that maintains a financial account on behalf of the user; and presenting a savings opportunity, in proximity to the financial transaction data, wherein the savings opportunity relates to the financial transaction data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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Specification