System and method for providing socially enabled rewards through a user financial instrument
First Claim
1. A method, comprising:
- gathering transaction data by at least one computer 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 with the at least one computer for transactions by the user;
matching a savings opportunity from a database of savings opportunities to the user based on the transactions by the user, wherein the savings opportunity can be shared with other users or a social network;
displaying the matched savings opportunity in association with a statement of a user'"'"'s financial account;
receiving an indication from the user by the at least one computer for sharing the matched savings opportunity with at least one additional user, wherein sharing causes the at least one computer to generate a shared savings opportunity;
receiving an indication to redeem the shared savings opportunity; and
tracking the sharing and redemption of the shared savings opportunity.
3 Assignments
0 Petitions
Accused Products
Abstract
A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user'"'"'s financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user'"'"'s financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity.
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Citations
22 Claims
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1. A method, comprising:
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gathering transaction data by at least one computer 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 with the at least one computer for transactions by the user; matching a savings opportunity from a database of savings opportunities to the user based on the transactions by the user, wherein the savings opportunity can be shared with other users or a social network; displaying the matched savings opportunity in association with a statement of a user'"'"'s financial account; receiving an indication from the user by the at least one computer for sharing the matched savings opportunity with at least one additional user, wherein sharing causes the at least one computer to generate a shared savings opportunity; receiving an indication to redeem the shared savings opportunity; and tracking the sharing and redemption of the shared savings opportunity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
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Specification