SYSTEM AND METHOD FOR AN EXECUTABLE SCRIPT RELATED TO PROVIDING A SAVINGS OPPORTUNITY INTERFACE

• US 20110251891A1
• Filed: 04/08/2011
• Published: 10/13/2011
• 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:
  US13/082,784
• Publication Number:
  US 20110251891A1
• Time in Patent Office: Days
• US Class Current: 705/14.49
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/08 Auctions
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• 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 using executable script in a user'"'"'s graphical user interface.

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 the user, through the graphical user interface, a savings opportunity interface, wherein savings opportunities relating to user financial transactions will be presented.

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

3. 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;

instruct a decision engine in communication with the server to select a savings opportunity to match to the user based on the anonymized transaction data analyzed by the server;

receive an indication of the matched savings opportunity from the decision engine; and

display the savings opportunity in the user financial account graphical user interface.

4. The method of claim 3, wherein analyzing comprises extracting at least one of a merchant name, a merchant category, a merchant location, a transaction amount, a transaction frequency, a zip code, a store name, a store category, a store number, a transaction description, a purchase frequency, and a total spending amount.

5. The method of claim 3, further comprising using the executable script to instruct the decision engine to consult a rules database in making the match.

6. The method of claim 5, wherein the rules database comprises criteria that the transaction data should meet before a match is made.

7. The method of claim 6, wherein the criteria comprise at least one of a total spending amount with the merchant, a number of transactions with the merchant, a number of transactions within a category, total spending during a period of time, a particular transaction, a particular set of transactions, and a transaction at a particular merchant location.

8. The method of claim 3, wherein the financial account is at least one of a bank account, a checking account, a savings account, a credit account, a personal finance program account, and a loan account.