Method and system for using consumer financial data in product market analysis
First Claim
1. A computing system implemented process for sharing consumer financial data comprising:
- one or more computing processors; and
one or more memories coupled to the one or more computing processors, the one or more memories having stored therein instructions which when executed by the one or more computing processors perform;
obtaining consumer financial data from a bank associated with the given consumer, the consumer financial data being associated with a given consumer and comprising transaction data regarding a plurality of transactions of the given consumer, each transaction within the plurality of transactions being assigned a transaction category, each transaction category that has transactions which are to be shared with the process having been previously individually designated on a transaction category approval basis by the given consumer as being sharable with the process;
a product marketer providing the given consumer an electronic media based marketing device, the electronic media based marketing device capable of being activated by the given consumer using a user interface device;
the given consumer activating the electronic media based marketing device using the user interface device; and
in response to the given consumer activating the electronic media based marketing device using the user interface device, sharing at least part of the consumer financial data of the designated sharable transaction categories with the product marketer.
1 Assignment
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Accused Products
Abstract
A system and method for product market analysis using consumer financial data obtains financial data associated with a given consumer. At least part of the consumer financial data is then stored by the process for product market analysis using consumer financial data, or another party/application, typically in accounts/locations associated with the given consumer. An electronic media based marketing device is then provided by a product marketer, the electronic media based marketing device being capable of activation. When a consumer activates the electronic media based marketing device at least part of the consumer financial data associated with the consumer is transferred to the product marketer. As a result, the product marketer obtains significant amounts of information for market analysis purposes such as creating a potential consumer profile and determining a target market for the given product an/or service.
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Citations
24 Claims
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1. A computing system implemented process for sharing consumer financial data comprising:
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one or more computing processors; and one or more memories coupled to the one or more computing processors, the one or more memories having stored therein instructions which when executed by the one or more computing processors perform; obtaining consumer financial data from a bank associated with the given consumer, the consumer financial data being associated with a given consumer and comprising transaction data regarding a plurality of transactions of the given consumer, each transaction within the plurality of transactions being assigned a transaction category, each transaction category that has transactions which are to be shared with the process having been previously individually designated on a transaction category approval basis by the given consumer as being sharable with the process; a product marketer providing the given consumer an electronic media based marketing device, the electronic media based marketing device capable of being activated by the given consumer using a user interface device; the given consumer activating the electronic media based marketing device using the user interface device; and in response to the given consumer activating the electronic media based marketing device using the user interface device, sharing at least part of the consumer financial data of the designated sharable transaction categories with the product marketer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A computer program product for providing a process for product market analysis using consumer financial data comprising:
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a nontransitory computer readable medium; and computer program code, encoded on the nontransitory computer readable medium, comprising computer readable instructions for; obtaining consumer financial data from a bank associated with the given consumer, the consumer financial data being associated with a given consumer and comprising transaction data regarding a plurality of transactions of the given consumer, each transaction within the plurality of transactions being assigned a transaction category, each transaction category that has transactions which are to be shared with the process having been previously individually designated on a transaction category approval basis by the given consumer as being sharable with the process; a product marketer providing the given consumer an electronic media based marketing device, the electronic media based marketing device capable of being activated by the given consumer using a user interface device; the given consumer activating the electronic media based marketing device using the user interface device; and in response to the given consumer activating the electronic media based marketing device using the user interface device, providing the product marketer at least part of the consumer financial data associated with the given consumer. - View Dependent Claims (16, 17, 18, 19)
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20. A system for product market analysis using consumer financial data comprising:
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means for obtaining consumer financial data from a bank associated with the given consumer, the consumer financial data being associated with a given consumer and comprising transaction data regarding a plurality of transactions of the given consumer, each transaction within the plurality of transactions being assigned a transaction category, each transaction category that has transactions which are to be shared with the process having been previously individually designated on a transaction category approval basis by the given consumer as being sharable with the process; means for a product marketer to provide the given consumer an electronic media based marketing device, the electronic media based marketing device capable of being activated by the given consumer using a user interface device; means for the given consumer to activate the electronic media based marketing device using the user interface device; and means for providing the product marketer at least part of the consumer financial data associated with the given consumer in response to the given consumer activating the electronic media based marketing device using the user interface device. - View Dependent Claims (21, 22, 23, 24)
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Specification