SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT
First Claim
1. A method, comprising:
- gathering transaction data from a user'"'"'s financial account;
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; and
displaying the savings opportunity in association with a statement of a user'"'"'s financial account.
3 Assignments
0 Petitions
Accused Products
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 with a statement of the consumer'"'"'s financial account.
-
Citations
28 Claims
-
1. A method, comprising:
-
gathering transaction data from a user'"'"'s financial account; 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; 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, 20)
-
-
21. 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. - View Dependent Claims (22)
-
23. 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. - View Dependent Claims (24, 25, 26, 27, 28)
-
Specification