SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY MATCHED TO A SPEND PATTERN IN ASSOCIATION WITH A FINANCIAL ACCOUNT
First Claim
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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 spend pattern;
matching a savings opportunity from a database of savings opportunities to the user based on the spend pattern; and
displaying the savings opportunity in association with a statement of a user'"'"'s financial account.
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Abstract
A system and method for providing a savings opportunity matched to a spend pattern in association with a financial account includes gathering transaction data from a user'"'"'s financial account and analyzing the transaction data for a spend pattern. A savings opportunity from a database of savings opportunities is matched to the user based on the spend pattern. The savings opportunity is displayed in association with a statement of a user'"'"'s financial account.
77 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 spend pattern; matching a savings opportunity from a database of savings opportunities to the user based on the spend pattern; and displaying the savings opportunity in association with a statement of a user'"'"'s financial account. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. The method of claim 20, wherein the user'"'"'s location is identified at least one of manually by the user and automatically from a mobile device implementing the method.
Specification