System and method for aggregating and presenting financial information
First Claim
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1. A computer implemented method for managing financial information, the method being implemented by one or more processors of a computer system and comprising the steps of:
- (A) obtaining, from a third party source that maintains records for a financial account of a user, electronic purchase data for a transaction with a third party merchant for which payment was made using the financial account of the user;
(B) obtaining origination information for the electronic purchase data, the origination information identifying the third-party source and a time when the electronic purchase data was obtained from the third-party source;
(C) permanently storing the electronic purchase data obtained from the third party source for the transaction without alteration, along with the origination information;
(D) generating an electronic receipt to memorialize the transaction, separate from a merchant receipt, the electronic receipt being generated for the user using the electronic purchase data, wherein the electronic receipt is associated with the stored electronic purchase data and includes information that is based on but not the same as the electronic purchase data;
wherein generating the electronic receipt includes;
(i) generating a verification identifier that is unique to the electronic receipt on the electronic receipt, the verification identifier being generated after the electronic purchase data and origination information is obtained, and(ii) linking the electronic receipt to the stored electronic purchase data and the origination information;
(E) providing an interface to enable a third party submitter to remotely verify the receipt over a network by submitting the verification identifier through the interface, independent of information specific to the user; and
(F) in response to receiving the verification identifier, displaying content that is based on at least one of the electronic purchase data or origination information for the transaction of the electronic receipt.
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Abstract
Disclosed herein is a system and method for managing financial information. According to an embodiment, electronic purchase data is received from an electronic payment source. The received electronic purchase data is generated into one or more visual representation formats using a transformation server. Once the visual representation has been generated, the visual representation format is rendered using a display device.
33 Citations
15 Claims
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1. A computer implemented method for managing financial information, the method being implemented by one or more processors of a computer system and comprising the steps of:
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(A) obtaining, from a third party source that maintains records for a financial account of a user, electronic purchase data for a transaction with a third party merchant for which payment was made using the financial account of the user; (B) obtaining origination information for the electronic purchase data, the origination information identifying the third-party source and a time when the electronic purchase data was obtained from the third-party source; (C) permanently storing the electronic purchase data obtained from the third party source for the transaction without alteration, along with the origination information; (D) generating an electronic receipt to memorialize the transaction, separate from a merchant receipt, the electronic receipt being generated for the user using the electronic purchase data, wherein the electronic receipt is associated with the stored electronic purchase data and includes information that is based on but not the same as the electronic purchase data; wherein generating the electronic receipt includes; (i) generating a verification identifier that is unique to the electronic receipt on the electronic receipt, the verification identifier being generated after the electronic purchase data and origination information is obtained, and (ii) linking the electronic receipt to the stored electronic purchase data and the origination information; (E) providing an interface to enable a third party submitter to remotely verify the receipt over a network by submitting the verification identifier through the interface, independent of information specific to the user; and (F) in response to receiving the verification identifier, displaying content that is based on at least one of the electronic purchase data or origination information for the transaction of the electronic receipt. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A non-transitory computer readable medium that stores instructions, which when executed by one or more processors of a computer system, cause the computer system to perform operations that include:
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(A) obtaining, from a third party source that maintains records for a financial account of a user, electronic purchase data for a transaction with a third party merchant for which payment was made using the financial account of the user; (B) obtaining origination information for the electronic purchase data, the origination information identifying the third-party source and a time when the electronic purchase data was obtained from the third-party source; (C) permanently storing the electronic purchase data obtained from the third party source for the transaction without alteration, along with the origination information; (D) generating an electronic receipt to memorialize the transaction, separate from a merchant receipt, the electronic receipt being generated for the user using the electronic purchase data, wherein the electronic receipt is associated with the stored electronic purchase data and includes information that is based on but not the same as the electronic purchase data; wherein generating the electronic receipt includes; (i) generating a verification identifier that is unique to the electronic receipt on the electronic receipt, the verification identifier being generated after the electronic purchase data and origination information is obtained, and (ii) linking the electronic receipt to the stored electronic purchase data and the origination information; (E) providing an interface to enable a third party submitter to remotely verify the receipt over a network by submitting the verification identifier through the interface, independent of information specific to the user; and (F) in response to receiving the verification identifier, displaying content that is based on at least one of the electronic purchase data or origination information for the transaction of the electronic receipt.
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15. A computer system comprising:
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a memory that stores instructions; one or more processors that access the instructions to; (A) obtain, from a third party source that maintains records for a financial account of a user, electronic purchase data for a transaction with a third party merchant for which payment was made using the financial account of the user; (B) obtain origination information for the electronic purchase data, the origination information identifying the third-party source and a time when the electronic purchase data was obtained from the third-party source; (C) permanently store the electronic purchase data obtained from the third party source for the transaction without alteration, along with the origination information; (D) generate an electronic receipt to memorialize the transaction, separate from a merchant receipt, the electronic receipt being generated for the user using the electronic purchase data, wherein the electronic receipt is associated with the stored electronic purchase data and includes information that is based on but not the same as the electronic purchase data; wherein the one or more processors generate the electronic receipt by; (i) generating a verification identifier that is unique to the electronic receipt on the electronic receipt, the verification identifier being generated after the electronic purchase data and origination information is obtained, and (ii) linking the electronic receipt to the stored electronic purchase data and the origination information; (E) provide an interface to enable a third party submitter to remotely verify the receipt over a network by submitting the verification identifier through the interface, independent of information specific to the user; and (F) in response to receiving the verification identifier, display content that is based on at least one of the electronic purchase data or origination information for the transaction of the electronic receipt.
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Specification