Using confidential information to prepare a request and to suggest offers without revealing confidential information
First Claim
Patent Images
1. A method of suggesting a vendor offer comprising:
- registering an electronic transaction device;
receiving from the electronic transaction device transaction information for at least one transaction conducted via the transaction device through a portion of a plurality of vendor accounts;
receiving from the electronic transaction device and storing on a non-transient computer readable medium user information designated as confidential at a transaction service provider, wherein the confidential information comprises a plurality of user accounts, the received transactional information comprising a total, date, and vendor for the plurality of accounts, and personal information for the user;
retrieving over a network connecting the transaction service provider with a plurality of vendors associated with the plurality of vendor accounts transaction data for a portion of the plurality of vendor accounts;
comparing the received transaction information with the retrieved transaction data;
communicating certain stored user information selected by the user without identifying the user over a network with a plurality of vendors, wherein vendor information for at least one of the plurality of vendors is accessible by the transaction service provider from a database that includes service or product information for at least a portion of the plurality of vendors, and in response receiving one or more offers from at least one of the plurality of vendors;
suggesting a transaction for at least one of the one or more offers to the user based at least in part on the received user information; and
presenting the at least one suggested offer to the user.
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Accused Products
Abstract
Methods and systems are provided for supporting electronic transactions, including transactions that are provided with per-user, per-device and per-domain security across domains of multiple service providers.
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Citations
14 Claims
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1. A method of suggesting a vendor offer comprising:
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registering an electronic transaction device; receiving from the electronic transaction device transaction information for at least one transaction conducted via the transaction device through a portion of a plurality of vendor accounts; receiving from the electronic transaction device and storing on a non-transient computer readable medium user information designated as confidential at a transaction service provider, wherein the confidential information comprises a plurality of user accounts, the received transactional information comprising a total, date, and vendor for the plurality of accounts, and personal information for the user; retrieving over a network connecting the transaction service provider with a plurality of vendors associated with the plurality of vendor accounts transaction data for a portion of the plurality of vendor accounts; comparing the received transaction information with the retrieved transaction data; communicating certain stored user information selected by the user without identifying the user over a network with a plurality of vendors, wherein vendor information for at least one of the plurality of vendors is accessible by the transaction service provider from a database that includes service or product information for at least a portion of the plurality of vendors, and in response receiving one or more offers from at least one of the plurality of vendors; suggesting a transaction for at least one of the one or more offers to the user based at least in part on the received user information; and presenting the at least one suggested offer to the user. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method of suggesting a service institution offer comprising:
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registering an electronic transaction device; receiving from the electronic transaction device transaction information for at least one transaction conducted via the transaction device through a portion of a plurality of service institution accounts; receiving from the electronic transaction device and storing on a non-transient computer readable medium user information designated as confidential at a transaction service provider, wherein the confidential information comprises a plurality of user accounts, the received transactional information comprising a total, date, and service institution for the plurality of accounts, and personal information for the user; retrieving over a network connecting the transaction service provider with a plurality of service institutions associated with the plurality of service institution accounts transaction data for a portion of the plurality of vendor accounts; comparing the received transaction information with the retrieved transaction data; communicating certain stored user information selected by the user without identifying the user over a network with a plurality of service institutions, wherein service institution information for at least one of the plurality of service institutions is accessible by the transaction service provider from a database that includes service or product information for at least a portion of the plurality of service institutions and in response receiving one or more offers from at least one of the plurality of service institutions; suggesting a transaction for at least one of the one or more offers to the user based at least in part on the received user information; and presenting the at least one suggested offer to the user. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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Specification