Transaction aggregator
First Claim
1. A method for deriving aggregated transaction data comprising:
- combining information requests from a plurality of information requesters into a transaction data inquiry using an aggregator server, the information requests including at least one request for aggregated transaction data comprising information about a plurality of transactions or a plurality of accounts of a user;
sending the transaction data inquiry from the aggregator server to a transaction database;
receiving a transaction data response file from the transaction database at the aggregator server, wherein the transaction data response file comprises raw transaction level data of transaction details for each of a plurality of individual transactions conducted on each of one or more of the plurality of accounts of the user;
parsing the transaction data response file according to a plurality of model transaction aggregates using the aggregator server, the plurality of model transaction aggregates including at least a first model transaction aggregate being a first type of transaction information over a first time period, a second model transaction aggregate being a second type of transaction information over a second time period that is different than the first time period, and a third model transaction aggregate being a ratio of a third type of transaction information over a third time period to the third type of transaction information over a fourth time period;
determining the aggregated transaction data from the parsed transaction data using the aggregator server; and
generating a report file including the aggregated transaction data using the aggregator server and sending the report file from the aggregator server to one or more of the information requesters, wherein the report file sent to at least one information requester includes unsolicited aggregated transaction data about the user that the at least one information requester did not request, the user being a different entity than the at least one information requester.
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Accused Products
Abstract
Systems and methods for determining and reporting aggregated transaction level data regarding a particular user are disclosed. Based on the requests of one or more information requesters, an aggregator server can request transaction level data for all accounts associated with a particular user or a group of users from a transaction database. The transaction database returns raw transaction level data for accounts associated with the particular user to the aggregator server. The aggregator server can then parse the raw transaction level data based on a number of transaction level data elements and information requester input. The parsed raw transaction level data can then be used to determine the number of predefined or information requester defined transaction level data aggregates. The resulting transaction level data aggregates can then be sent in a report to the one or more information requesters.
109 Citations
19 Claims
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1. A method for deriving aggregated transaction data comprising:
combining information requests from a plurality of information requesters into a transaction data inquiry using an aggregator server, the information requests including at least one request for aggregated transaction data comprising information about a plurality of transactions or a plurality of accounts of a user; sending the transaction data inquiry from the aggregator server to a transaction database; receiving a transaction data response file from the transaction database at the aggregator server, wherein the transaction data response file comprises raw transaction level data of transaction details for each of a plurality of individual transactions conducted on each of one or more of the plurality of accounts of the user; parsing the transaction data response file according to a plurality of model transaction aggregates using the aggregator server, the plurality of model transaction aggregates including at least a first model transaction aggregate being a first type of transaction information over a first time period, a second model transaction aggregate being a second type of transaction information over a second time period that is different than the first time period, and a third model transaction aggregate being a ratio of a third type of transaction information over a third time period to the third type of transaction information over a fourth time period; determining the aggregated transaction data from the parsed transaction data using the aggregator server; and generating a report file including the aggregated transaction data using the aggregator server and sending the report file from the aggregator server to one or more of the information requesters, wherein the report file sent to at least one information requester includes unsolicited aggregated transaction data about the user that the at least one information requester did not request, the user being a different entity than the at least one information requester. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 12)
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11. A system for deriving aggregated transaction data comprising:
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a memory; and a processor; wherein the processor is configured to; combine information requests from a plurality of information requesters into a transaction data inquiry, the information requests including at least one request for aggregated transaction data comprising information about a plurality of transactions or a plurality of accounts of a user; send the transaction inquiry to a transaction database; receive a transaction data response file from the transaction database, wherein the transaction data response file comprises raw transaction level data of transaction details for each of a plurality of individual transactions conducted on each of one or more of the plurality of accounts of the user; parse the transaction data file according to a plurality of model transaction aggregates stored in the memory, the plurality of model transaction aggregates including at least a first model transaction aggregate being a first type of transaction information over a first time period, a second model transaction aggregate being a second type of transaction information over a second time period that is different than the first time period, and a third model transaction aggregate being a ratio of a third type of transaction information over a third time period to the third type of transaction information over a fourth time period; determine the aggregated transaction data from the parsed transaction data; and generate a report file including the aggregated transaction data using the aggregator server and sending the report file from the aggregator server to one or more of the information requesters, wherein the report file sent to at least one information requester includes unsolicited aggregated transaction data about the user that the at least one information requester did not request, the user being a different entity than the at least one information requester. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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Specification