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Transaction aggregator

  • US 9,818,118 B2
  • Filed: 11/10/2009
  • Issued: 11/14/2017
  • Est. Priority Date: 11/19/2008
  • Status: Active Grant
First Claim
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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.

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