SYSTEMS AND METHODS FOR GEO-CODED FINANCIAL ACCOUNT STATEMENT VISUALIZATION

• US 20150310564A1
• Filed: 07/08/2015
• Published: 10/29/2015
• Est. Priority Date: 01/29/2007
• Status: Abandoned Application

• Current Assignee: Capital One Financial Corporation
• Original Assignee: Capital One Financial Corporation
• Inventors: PETERSON, Terren J.
• Application Number:
  US14/793,809
• Publication Number:
  US 20150310564A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06F 16/29 Geographical information databases
• CPC Class Codes: G06F 17/30241 in geographical information databases instruments for geographical navigation G01C21/00; three dimensional geographic models G06T17/05
• CPC Class Codes: G06F 3/0482 Interaction with lists of selectable items, e.g. menus
• CPC Class Codes: G06F 3/04842 Selection of displayed objects or displayed text elements G06F3/0482 takes precedence
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46
• CPC Class Codes: H04W 4/029 Location-based management or tracking services

Abstract

Systems and methods for geo-coded financial statement visualization are disclosed. Financial account transaction history, such as credit card accounts, are geo-coded based on the merchant identification information. A map-based visualization is generated that includes the map point representative of merchant locations associated with the transactions. Additional detailed merchant information may be encoded into each map point such as address, telephone number, hours of operation, and other information not typically available from the transaction processing network.

Claims

1-20. -20. (canceled)

21. A method of preparing a transaction visualization comprising:

receiving, at a server within a financial account management system via a network, a request to generate a geo-coded transaction record, wherein the request comprises a start date, an end date, and at least one financial account selection;

accessing, at the server within the financial account management system, a record of transactions associated with the at least one financial account for a particular time period defined by the start date and the end date, the at least one financial account associated with a customer;

for each transaction in the record of transactions, obtaining identification information comprising a location of the transaction;

generating, using the server within the financial account management system, a geo-coded transaction record based on the identification information for each transaction and a geographic map of a region, the geo-coded transaction record comprising a marker on the geographic map at coordinates associated with the location of the transaction, wherein the marker comprises linking information corresponding to the transaction such that selecting the marker with an input device associated with a user device causes the information corresponding to the transaction to be output to a display at the user device; and

transmitting the geo-coded transaction record to the user device for display on the user device over a network, wherein the geo-coded transaction record as transmitted for display is bounded by the identification information for each transaction.

22. The method according to claim 21, wherein the identification information further comprises a merchant name associated with each transaction.

23. The method according to claim 21, wherein the identification information further comprises a merchant location associated with each transaction.

24. The method according to claim 21, wherein the linking information includes at least one of:

merchant data and transaction data.

25. The method according to claim 21, wherein the geo-coded transaction record is further bounded by a transaction period.

26. The method according to claim 21, wherein outputting the geo-coded transaction record to a user over a network comprises generating a computer code-based rendition of the geo-coded transaction record and outputting the computer code-based rendition to a computing device of the user for display.

27. A financial account transaction visualization system comprising:

a processor and an electronic database, the processor operable to execute;

a customer account module storing account information corresponding to a plurality of customers in an electronic database;

a transaction module storing financial transactions associated with the customer accounts in the electronic database, wherein each financial transaction comprises a location of the transaction;

a geo-coding module that;

receives a request to generate a geo-coded transaction record, wherein the request comprises a start date, an end date, and at least one financial account selection; and

utilizes a processor to code each transaction associated with the at least one selected financial account occurring between the start date and the end date to a set of geographical coordinates based on the location of the transaction; and

a visualization module that outputs the geo-coded transaction record based on the request and a geographic map of a region, the geo-coded transaction record comprising a marker on the geographic map at coordinates associated with the location of the transaction, wherein the marker comprises linking information corresponding to the transaction such that selecting the marker with an input device associated with a user device causes the information corresponding to the transaction to be output to a display at the user device, wherein the geo-coded transaction record is bounded by the location of each transaction.

28. The visualization system according to claim 27, wherein the transaction module comprises a credit card transaction server that is operable to receive transactional information corresponding to customer credit card transactions.

29. The visualization system according to claim 28, wherein each financial transaction further comprises of a merchant name, a merchant phone number and a merchant network address.

30. The method according to claim 27, wherein the linking information includes at least one of:

merchant data and transaction data.

31. A network-based financial account visualization system comprising:

a processor and an electronic database of transactional history, the processor operable to execute;

a first interface that accesses the electronic database of transactional history for a plurality of customer financial accounts, wherein the transaction history includes a plurality of transactions and each transaction includes a merchant identifier;

a second interface that accesses an electronic database of merchant identification information that stores merchant identification information of merchants associated with transactions in the transactional history, wherein the merchant identification information comprises a merchant location and a merchant identifier;

a geographic mapping module that utilizes a processor to geo-code transactions accessed by the first interface to merchant identification information in map-based visualizations, wherein each transaction of the first interface is linked to a merchant location of the second interface using the corresponding merchant identifier; and

an output module that outputs map-based visualizations in a bounded map over a communications network, wherein the output map-based visualizations are output if the transaction associated with the map-based visualization falls between a user-input start date and a user-input end date and is associated with at least one user-selected financial account, and wherein bounded map is bounded by the identification associated with each of the output map-based visualizations, wherein the map-based visualizations comprise a marker on the geographic map at coordinates associated with the location of the transaction, wherein the marker comprises linking information corresponding to the transaction such that selecting the marker with an input device associated with a user device causes the information corresponding to the transaction to be output to a display at the user device.

32. The system according to claim 31, wherein the database of transaction history comprises a credit card transaction database.

33. The system according to claim 31, wherein the merchant identification information further comprises a merchant name.

34. The system according to claim 31, wherein the wherein the merchant identification information further comprises a merchant address.

35. The system according to claim 31, wherein the wherein the merchant identification information further comprises a merchant telephone number.

36. The system according to claim 31, wherein the geographic mapping module is operable to generate geo-coded transaction statements for account holders that include a geographic map containing map points at coordinate locations associated with each merchant included in the transaction history for a predetermined period of activity.

37. The system according to claim 31, wherein the linking information includes at least one of:

merchant data and transaction data.

38. The system according to claim 37, wherein the geo-coded transaction record is further bounded by a transaction period.

39. The system according to claim 37, wherein the first interface is operable to receive transactional information corresponding to customer credit card transactions.

40. The system according to claim 31, wherein the output module comprises an Internet web server adapted to output map-based visualizations in a web browser-compliant format to remote user devices over the Internet.