SYSTEM AND METHOD FOR PROVIDING SOCIALLY ENABLED REWARDS THROUGH A USER FINANCIAL INSTRUMENT
First Claim
1. A method, comprising:
- gathering transaction data from a user'"'"'s financial account, wherein the user'"'"'s financial account is a financial institution account that is maintained on behalf of the user;
analyzing the transaction data for a savings opportunity indication;
matching a savings opportunity from a database of savings opportunities to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network;
displaying the savings opportunity in association with a statement of a user'"'"'s financial account;
allowing the user to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated;
enabling a user to redeem the shared savings opportunity; and
tracking the sharing and redemption of the shared savings opportunity.
3 Assignments
0 Petitions
Accused Products
Abstract
A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user'"'"'s financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user'"'"'s financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity.
102 Citations
20 Claims
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1. A method, comprising:
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gathering transaction data from a user'"'"'s financial account, wherein the user'"'"'s financial account is a financial institution account that is maintained on behalf of the user; analyzing the transaction data for a savings opportunity indication; matching a savings opportunity from a database of savings opportunities to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network; displaying the savings opportunity in association with a statement of a user'"'"'s financial account; allowing the user to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated; enabling a user to redeem the shared savings opportunity; and tracking the sharing and redemption of the shared savings opportunity. - View Dependent Claims (4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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- 2. The method of claim 2, further comprising, allowing a merchant to modify the savings opportunity priori to generating the shared savings opportunity.
Specification