SHARE OF WALLET BENCHMARKING
First Claim
1. A method, comprising:
- receiving signals representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions, the transactions affecting one or more accounts of the customer or domestic unit at each of the plurality of financial institutions;
storing data representing the transactions in a machine readable storage medium;
computing at least one benchmark that is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions; and
transmitting data representing the benchmark to the first financial institution via a network.
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Accused Products
Abstract
Signals are received representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions. The transactions affect one or more accounts of the customer or domestic unit at each of the plurality of financial institutions. Data are stored representing the transactions in a machine readable storage medium. At least one benchmark is computed. The benchmark is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions. Data representing the benchmark are transmitted to the first financial institution.
36 Citations
26 Claims
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1. A method, comprising:
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receiving signals representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions, the transactions affecting one or more accounts of the customer or domestic unit at each of the plurality of financial institutions; storing data representing the transactions in a machine readable storage medium; computing at least one benchmark that is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions; and transmitting data representing the benchmark to the first financial institution via a network. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method, comprising:
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transmitting signals representing transactions made by a customer or domestic unit during a given period from a first financial institution to a transaction aggregator via a network for storing of data representing the transactions in a machine readable storage medium by the transaction aggregator, wherein the transactions affect one or more accounts of the customer or domestic unit at the first financial institution, and the transaction aggregator receives additional data representing additional transactions affecting one or more accounts of the same customer or domestic unit at one or more second financial institutions; receiving from the transaction aggregator signals representing at least one benchmark that is in part based on the data representing the transactions of the customer or domestic unit at the first financial institution and in part based on data corresponding to a plurality of accounts of the customer or domestic unit at a plurality of financial institutions, wherein the plurality of financial institutions includes the first financial institution and the one or more second financial institutions. - View Dependent Claims (12, 13, 14, 15)
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16. A system, comprising:
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a programmed processor coupled to a network for receiving signals representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions, the transactions affecting one or more accounts of the customer or domestic unit at each of the plurality of financial institutions; a storage device coupled to the processor, the processor causing the storage device to store data representing the transactions therein; the processor being programmed to compute at least one benchmark that is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions; and the processor being programmed to transmit data representing the benchmark to the first financial institution. - View Dependent Claims (17, 18)
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19. A system, comprising:
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a computer processor programmed for transmitting signals representing transactions made by a customer or domestic unit during a given period from a first financial institution to a transaction aggregator for storing of data representing the transactions in a machine readable storage medium by the transaction aggregator, wherein the transactions affect one or more accounts of the customer or domestic unit at the first financial institution, and the transaction aggregator receives additional data representing additional transactions affecting one or more accounts of the same customer or domestic unit at one or more second financial institutions; said computer processor receiving from the transaction aggregator signals representing at least one benchmark that is in part based on the data representing the transactions of the customer or domestic unit at the first financial institution and in part based on data corresponding to a plurality of accounts of the customer or domestic unit at a plurality of financial institutions, wherein the plurality of financial institutions includes the first financial institution and the one or more second financial institutions. - View Dependent Claims (20)
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21. A machine readable storage medium encoded with computer program code, wherein when the computer program code is executed by a processor, the processor performs a method, comprising:
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receiving signals representing transactions made by a customer or domestic unit during a given period from a plurality of financial institutions, the transactions affecting one or more accounts of the customer or domestic unit at each of the plurality of financial institutions; storing data representing the transactions in a machine readable storage medium; computing at least one benchmark that is in part based on a portion of the data corresponding to one or more of the accounts of the customer or domestic unit at a first one of the plurality of financial institutions and in part based on the data corresponding to all of the one or more accounts of the customer or domestic unit at all of the plurality of financial institutions; and transmitting data representing the benchmark to the first financial institution. - View Dependent Claims (22, 23, 24)
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25. A machine readable storage medium encoded with computer program code, wherein when the computer program code is executed by a processor, the processor performs a method, comprising:
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transmitting signals representing transactions made by a customer or domestic unit during a given period from a first financial institution to a transaction aggregator for storing of data representing the transactions in a machine readable storage medium by the transaction aggregator, wherein the transactions affect one or more accounts of the customer or domestic unit at the first financial institution, and the transaction aggregator receives additional data representing additional transactions affecting one or more accounts of the same customer or domestic unit at one or more second financial institutions; receiving from the transaction aggregator signals representing at least one benchmark that is in part based on the data representing the transactions of the customer or domestic unit at the first financial institution and in part based on data corresponding to a plurality of accounts of the customer or domestic unit at a plurality of financial institutions, wherein the plurality of financial institutions includes the first financial institution and the one or more second financial institutions. - View Dependent Claims (26)
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Specification