Method and system for tracking purchases
First Claim
1. A method of tracking purchases for a consumer using a unique identifier associated with the consumer, comprising:
- receiving a first plurality of item details and the unique identifier from a first merchant system of a first merchant,wherein the first merchant system comprises a first computer processor, andwherein each of the first plurality of item details comprises an item description and an item price for one of a first plurality of items purchased in a first transaction of the consumer;
obtaining a balance of the consumer with the first merchant from the first merchant system;
receiving a second plurality of item details and the unique identifier from a second merchant system of a second merchant,wherein the second merchant system comprises a second computer processor,wherein the first merchant is not affiliated with the second merchant, andwherein each of the second plurality of item details comprises an item description and an item price for one of a second plurality of items purchased in a second transaction of the consumer; and
storing, in a purchase data repository, the first plurality of item details and the second plurality of item details using the unique identifier to obtain a plurality of aggregated item details;
categorizing, at an item level, each of the plurality of aggregated item details within the purchase data repository to obtain a plurality of categorized item details;
sending, to a financial application of the consumer, the plurality of categorized item details, wherein the consumer uses the financial application to access the plurality of categorized item details; and
sending, to the financial application of the consumer, a coupon offer from the first merchant based on the balance of the consumer with the first merchant.
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Abstract
In general, the invention relates to a method of tracking purchases for a consumer using a unique identifier associated with the consumer. The method includes receiving first itemized data and the unique identifier from a first merchant system of a first merchant, where the first itemized data includes each item purchased in a first transaction associated with the consumer. The method further includes receiving second itemized data and the unique identifier from a second merchant system of a second merchant, where the second itemized data includes each item purchased in a second transaction associated with the consumer. The method further includes storing the first itemized data and the second itemized data based on the unique identifier to obtain aggregated itemized data, where the aggregated itemized data is categorized at an item level.
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Citations
22 Claims
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1. A method of tracking purchases for a consumer using a unique identifier associated with the consumer, comprising:
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receiving a first plurality of item details and the unique identifier from a first merchant system of a first merchant, wherein the first merchant system comprises a first computer processor, and wherein each of the first plurality of item details comprises an item description and an item price for one of a first plurality of items purchased in a first transaction of the consumer; obtaining a balance of the consumer with the first merchant from the first merchant system; receiving a second plurality of item details and the unique identifier from a second merchant system of a second merchant, wherein the second merchant system comprises a second computer processor, wherein the first merchant is not affiliated with the second merchant, and wherein each of the second plurality of item details comprises an item description and an item price for one of a second plurality of items purchased in a second transaction of the consumer; and storing, in a purchase data repository, the first plurality of item details and the second plurality of item details using the unique identifier to obtain a plurality of aggregated item details; categorizing, at an item level, each of the plurality of aggregated item details within the purchase data repository to obtain a plurality of categorized item details; sending, to a financial application of the consumer, the plurality of categorized item details, wherein the consumer uses the financial application to access the plurality of categorized item details; and sending, to the financial application of the consumer, a coupon offer from the first merchant based on the balance of the consumer with the first merchant. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A system for tracking purchases of a consumer using a unique identifier associated with the consumer, comprising:
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a merchant interface configured to; receive a first plurality of item details and the unique identifier from a first merchant system of a first merchant, wherein the first merchant system comprises a first computer processor, and wherein each of the first plurality of item details comprises an item description and an item price for one of a first plurality of items purchased in a first transaction of the consumer, obtain a balance of the consumer with the first merchant from the first merchant system, and receive a second plurality of item details and the unique identifier from a second merchant system of a second merchant, wherein the second merchant system comprises a second computer processor, wherein the first merchant is not affiliated with the second merchant, and wherein each of the second plurality of item details comprises an item description and an item price for one of a second plurality of items purchased in a second transaction of the consumer; and a tracking module executing on a computer system and configured to; store, in a purchase data repository, the first plurality of item details and the second plurality of item details using the unique identifier to obtain plurality of aggregated item details;
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categorize, at an item level, each of the plurality of aggregated item details within the purchase data repository to obtain a plurality of categorized item details;send, to a financial application of the consumer, the plurality of categorized item details, wherein the consumer uses the financial application to access the plurality of categorized item details; and send, to the financial application of the consumer, a coupon offer from the first merchant based on the balance of the consumer with the first merchant. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
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17. A computer readable storage medium, embodying instructions executable by the computer to perform method steps for tracking purchases of a consumer using a unique identifier associated with the consumer, the instructions comprising functionality to:
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receive a first plurality of item details and the unique identifier from a first merchant system of a first merchant, wherein the first merchant system comprises a first computer processor, wherein each of the first plurality of item details comprises an item description and an item price for one of a first plurality of items purchased in a first transaction of the consumer, and obtaining a balance of the consumer with the first merchant from the first merchant system, receive a second plurality of item details and the unique identifier from a second merchant system of a second merchant, wherein the second merchant system comprises a second computer processor, wherein the first merchant is not affiliated with the second merchant, and wherein each of the second plurality of item details comprises an item description and an item price for one of a second plurality of items purchased in a second transaction of the consumer; and store, in a purchase data repository, the first plurality of item details and the second plurality of item details using the unique identifier to obtain a plurality of aggregated item details;
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categorize, at an item level, each of the plurality of aggregated item details within the purchase data repository to obtain a plurality of categorized item details;send, to a financial application of the consumer, the plurality of categorized item details, wherein the consumer uses the financial application to access the plurality of categorized item details; and send, to the financial application of the consumer, a coupon offer from the first merchant based on the balance of the consumer with the first merchant. - View Dependent Claims (18, 19, 20, 21, 22)
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Specification