System and method for providing a savings opportunity in association with a financial account
First Claim
1. A computer-implemented method for finding a savings opportunity, comprising:
- importing transaction data from a user'"'"'s financial account by at least one computer;
analyzing the transaction data from the user'"'"'s financial account by the at least one computer for a savings opportunity indication;
matching a savings opportunity from a database of savings opportunities to the user based on the savings opportunity indication by the at least one computer; and
displaying the savings opportunity in association with a statement of the user'"'"'s financial account, wherein the savings opportunity comprises an offer to perform a bill analysis for at least one item among the transaction data from the user'"'"'s financial account, wherein the offer to perform the bill analysis comprises an indication of a specific savings amount.
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Accused Products
Abstract
The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider'"'"'s services, options, terms, conditions, costs, or how the service options change based on the consumer'"'"'s particular usage characteristics. The disclosed comparison shopping method uses the consumer'"'"'s actual or predicted service usage data. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user'"'"'s financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user'"'"'s financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented with a statement of the consumer'"'"'s financial account.
255 Citations
16 Claims
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1. A computer-implemented method for finding a savings opportunity, comprising:
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importing transaction data from a user'"'"'s financial account by at least one computer; analyzing the transaction data from the user'"'"'s financial account by the at least one computer for a savings opportunity indication; matching a savings opportunity from a database of savings opportunities to the user based on the savings opportunity indication by the at least one computer; and displaying the savings opportunity in association with a statement of the user'"'"'s financial account, wherein the savings opportunity comprises an offer to perform a bill analysis for at least one item among the transaction data from the user'"'"'s financial account, wherein the offer to perform the bill analysis comprises an indication of a specific savings amount. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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Specification