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Price evaluation based on electronic receipt data

  • US 9,600,839 B2
  • Filed: 07/29/2013
  • Issued: 03/21/2017
  • Est. Priority Date: 07/29/2013
  • Status: Active Grant
First Claim
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1. An apparatus for providing price evaluation based on electronic receipt data, the apparatus comprising:

  • a memory;

    one or more processors; and

    a module stored in the memory, executable by the one or more processors, and configured to cause the one or more processors to;

    for a plurality of customers, identify a purchase of a first product made by a customer from a merchant based on identifying a transaction in an online banking application associated with the customer;

    continuously monitor from an email server, one or more electronic accounts associated with the customer, wherein the one or more electronic accounts include at least an email account associated with electronic communications between the customer and the merchant;

    identify, via the email server, purchase transaction data associated with the purchase of the first product by the customer from the merchant based on monitoring the one or more electronic accounts, wherein the purchase transaction data is identified in response to processing the transaction associated with the purchase, wherein the purchase transaction data is automatically identified from the one or more electronic accounts associated with the customer, wherein the transaction data includes product level data from the transaction, wherein identifying the purchase transaction data further comprises;

    determining one or more data fields relevant to the purchase made by the customer from the merchant;

    retrieving, from the email server, electronic header information associated with electronic communications of the customer from the one or more electronic accounts; and

    identifying an email message associated with the purchase made by the customer from the merchant based on at least determining that the electronic header information associated with the email message matches the one or more data fields relevant to the purchase, wherein the email message is identified from the electronic communications of the one or more accounts;

    retrieve, electronically from the email server, the identified purchase transaction data, wherein the identified purchase transaction data is retrieved in an unstructured format from the one or more electronic accounts associated with the customer, wherein retrieving the identified transaction data comprises;

    retrieving the email message containing the identified transaction data from the email server;

    identifying the merchant and a confirmation type of the email message based on analyzing the header information contained in the email message;

    identifying a parsing template based on identifying the merchant and the confirmation type, wherein the parsing template is identified from a group consisting of;

    an HTML (Hypertext Markup Language) order confirmation template, a text order confirmation template, an HTML shipping confirmation template and a text shipping confirmation template; and

    retrieving the purchase transaction data from the email message based on at least the parsing template, wherein the purchase transaction data comprises the product level data associated with the purchase;

    instantaneously, electronically convert the identified purchase transaction data from the unstructured format to a structured format based on the parsing template, wherein the structured format is associated with an OFX (Open Financial Exchange) format;

    integrate the structured purchase transaction data converted from the unstructured purchase transaction data with the customer'"'"'s online banking application representing the transaction, whereby the product level data from the transaction can be viewed from within the online banking application in response to integrating the structured purchase transaction data with the customer'"'"'s online banking application, wherein integrating the structured purchase transaction data with the customer'"'"'s online banking application further comprises;

    associating a record in the customer'"'"'s online banking application with the product level data, based on determining that a payment instrument, a payment date and/or a total purchase amount associated with the product level data is the same as that of the record; and

    presenting the record integrated with the structured product level data and selectable image data on a display of the customer'"'"'s online banking application, wherein the selectable image data is constructed based on the identified email message;

    aggregate purchase transaction data related to the first product purchased by the plurality of customers;

    determine, a distance from a current location of the customer to each of one or more merchants that offer the first product;

    calculate a travel cost for the customer to travel to each of the one or more merchants using the current location of the customer based on determining the distance to each of the one or more merchants that offer the first product;

    determine a best price available for the first product based at least partially on an analysis of the purchase transaction data related to the first product and further based on the travel cost for the customer to travel to each of the one or more merchants;

    communicate, to the customer via a mobile device of the customer, the merchant of the one or more merchants having the best price available for the first product;

    determine from the aggregated purchase transaction data that a second product is typically purchased in conjunction with the first product, wherein the second product is a different product type than the first product;

    determine that a company provides the first product and does not provide the second product; and

    transmit a notice to the company to provide the second product based at least partially on the determining that the company does not provide the second product, and further based on determining that a second product is typically purchased in conjunction with the first product.

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