SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY TO A USER THOUGH ANONYMIZED INFORMATION PROVIDED TO A THIRD PARTY

• US 20110246299A1
• Filed: 04/08/2011
• Published: 10/06/2011
• Est. Priority Date: 01/21/2009
• Status: Abandoned Application

• Current Assignee: Truaxis, Inc. (MasterCard Incorporated)
• Original Assignee: Truaxis, Inc. (MasterCard Incorporated)
• Inventors: Daredia, Shehzad, Kothari, Samir, Satyavolu, Ramakrishna V.
• Application Number:
  US13/082,801
• Publication Number:
  US 20110246299A1
• Time in Patent Office: Days
• US Class Current: 705/14.53
• CPC Class Codes: G06Q 30/0255 based on user history
• 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
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
• CPC Class Codes: H04M 15/44 Augmented, consolidated or itemized billing statement or bill presentation
• CPC Class Codes: H04M 15/58 based on statistics of usage or network monitoring
• CPC Class Codes: H04M 15/745 Customizing according to wishes of subscriber, e.g. friends or family
• CPC Class Codes: H04M 15/80 Rating or billing plans; Tariff determination aspects
• CPC Class Codes: H04M 15/8011 using class of subscriber
• CPC Class Codes: H04M 15/8044 Least cost routing
• CPC Class Codes: H04M 15/805 Bidding
• CPC Class Codes: H04M 15/8083 involving reduced rates or discounts, e.g. time-of-day reductions or volume discounts
• CPC Class Codes: H04M 15/83 Notification aspects
• CPC Class Codes: H04M 15/84 Types of notifications
• CPC Class Codes: H04M 15/85 characterised by the type of condition triggering a notification
• CPC Class Codes: H04M 15/851 Determined tariff
• CPC Class Codes: H04M 2215/0104 Augmented, consolidated or itemised billing statement, e.g. additional billing information, bill presentation, layout, format, e-mail, fax, printout, itemised bill per service or per account, cumulative billing, consolidated billing
• CPC Class Codes: H04M 2215/0108 Customization according to wishes of subscriber, e.g. customer preferences, friends and family, selecting services or billing options, Personal Communication Systems [PCS]
• CPC Class Codes: H04M 2215/018 On-line real-time billing, able to see billing information while in communication, e.g. via the internet
• CPC Class Codes: H04M 2215/0184 involving reduced rates or discounts, e.g. time-of-day reductions, volume discounts, cell discounts, group billing, frequent calling destination(s) or user history list
• CPC Class Codes: H04M 2215/0188 : Network monitoring; statistics on usage on called/calling number
• CPC Class Codes: H04M 2215/74 : Rating aspects, e.g. rating parameters or tariff determination apects
• CPC Class Codes: H04M 2215/7407 : class of subscriber
• CPC Class Codes: H04M 2215/745 : Least cost routing, e.g. Automatic or manual, call by call or by preselection
• CPC Class Codes: H04M 2215/7457 : Biding
• CPC Class Codes: H04M 2215/81 : Notifying aspects, e.g. notifications or displays to the user
• CPC Class Codes: H04M 2215/8129 : Type of notification
• CPC Class Codes: H04M 2215/815 : Notification when a specific condition, service or event is met

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 in response to anonymized data received from the consumer.

Claims

1. A method, comprising:

providing an executable script such that when embedded in a graphical user interface of a user'"'"'s financial account will automatically provide a merchant with anonymized information relating to transactions made by the user from the user'"'"'s financial account; and

in response to receipt of the anonymized information, enabling the merchant to present a savings opportunity to the user, which will appear in the graphical user interface.

2. The method of claim 1, wherein the executable program is implemented in the JavaScript programming language.

3. The method of claim 1, wherein the user selects to which merchants the executable program can transmit the anonymized information.

4. The method of claim 1, wherein a user financial account host selects to which merchants the executable program can transmit the anonymized information.

5. A method, comprising:

embedding a first executable script in a graphical user interface of a user'"'"'s financial account;

executing the first executable script when the user accesses the user financial account; and

using the first executable script to;

gather transaction data from the user financial account and anonymize the transaction data before transmitting the anonymized transaction data to a first server for analysis; and

specify the address of a second executable script,

wherein, the second executable script accesses the analyzed transaction data and performs a function with the analyzed transaction data.

6. The method of claim 5, wherein the executable script is implemented in the JavaScript programming language.

7. A method, comprising:

embedding an executable script in a graphical user interface of a user'"'"'s financial account;

executing the executable script when the user accesses the user financial account; and

using the executable script to;

gather transaction data from the user financial account and anonymize the transaction data before transmitting the anonymized transaction data to a server for analysis; and

transmit the transaction data to a third party application to be leveraged.

8. The method of claim 7, wherein the third party application is a fraud detection application.

9. The method of claim 7, wherein the third party application is a transaction analytics application.

10. The method of claim 7, wherein the third party application is a marketing application.

11. The method of claim 7, wherein the third party application is a social networking application.

12. The method of claim 7, wherein the executable script is implemented in the JavaScript programming language.