SYSTEM AND METHOD FOR PROVIDING A GEO-ENHANCED SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT
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;
displaying the savings opportunity in association with a statement of a user'"'"'s financial account; and
tracking a response to the savings opportunity;
receiving an indication that the savings opportunity has not been accepted; and
providing an additional incentive to accept the savings opportunity when the user is in a geographic location set by a merchant offering the savings opportunity.
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Accused Products
Abstract
A system and method for providing a geo-enhanced savings opportunity in association with a financial account 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. The savings opportunity is displayed in association with a statement of a user'"'"'s financial account. A response to the savings opportunity is tracked in order to receive an indication of whether or not the savings opportunity has been accepted. If it was not accepted, an additional incentive to accept the savings opportunity may be made when the user is in a geographic location set by a merchant offering the savings opportunity.
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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; displaying the savings opportunity in association with a statement of a user'"'"'s financial account; and tracking a response to the savings opportunity; receiving an indication that the savings opportunity has not been accepted; and providing an additional incentive to accept the savings opportunity when the user is in a geographic location set by a merchant offering the savings opportunity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification