ENHANCED TRANSACTION PROCESSING
First Claim
Patent Images
1. A computer-implemented method of managing financial information comprising:
- establishing, by a computer system, a customer identifier associated with a customer;
linking, by the computer system in a database, the customer identifier to one or more customer financial accounts, wherein the customer identifier is associated with the one or more customer financial accounts and does not contain account numbers of the one or more customer financial accounts;
tracking, by the computer system, purchasing behavior metrics associated with the one or more customer financial accounts; and
reporting the purchasing behavior metrics using the customer identifier.
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Abstract
Methods, systems, and computer-executable instructions for managing financial information are provided. An exemplary method includes establishing a customer identifier associated with a customer and linking the customer identifier to one or more customer financial accounts in a database. The customer identifier is associated with the one or more customer financial accounts, but does not contain account numbers of the one or more customer financial accounts. The method also includes tracking purchasing behavior metrics associated with the customer financial accounts and reporting the purchasing behavior metrics using the customer identifier.
55 Citations
35 Claims
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1. A computer-implemented method of managing financial information comprising:
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establishing, by a computer system, a customer identifier associated with a customer; linking, by the computer system in a database, the customer identifier to one or more customer financial accounts, wherein the customer identifier is associated with the one or more customer financial accounts and does not contain account numbers of the one or more customer financial accounts; tracking, by the computer system, purchasing behavior metrics associated with the one or more customer financial accounts; and reporting the purchasing behavior metrics using the customer identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A transaction processing system comprising:
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a database; a linking module configured to; establish a customer identifier associated with a customer; and link, in the database, the customer identifier to one or more customer financial accounts, wherein the customer identifier does not contain account numbers of the one or more customer financial accounts; and a tracking module configured to; track purchasing behavior metrics associated with the one or more customer financial accounts; and report the purchasing behavior metrics using the customer identifier. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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27. A non-transitory computer-readable medium comprising instructions that, when executed by one or more computer processors, direct the one or more computer processors to:
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identify a customer identifier associated with a customer; link, in a database, the customer identifier with one or more customer financial accounts, wherein the customer identifier is associated with the one or more customer financial accounts and does not contain account numbers of the one or more customer financial accounts; receive information, from a promotion provider, describing a promotion that is available to the customer; link the received promotion information with the customer identifier in the database; receive a request to authorize payment for a transaction from a merchant using one of the one or more customer financial accounts; retrieve the promotion information from the database based on the customer identifier; and redeem the promotion by adjusting an amount of the transaction based on the retrieved promotion information. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35)
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Specification