Patent application number | Description | Published |
20100183132 | METHOD FOR PERSONALIZED ALERTS FOR ALTERNATIVE SERVICE OFFERINGS BASED ON PERSONALIZED USAGE PROFILES IN A CHANGING MARKET - Comparing service plans based on a user's usage data may include collecting and analyzing service usage and reward earnings data for a user's current service to obtain a normalized service usage and rewards dataset, normalizing data related to a plurality of alternative service offerings according to a normalized alternative service offering model, applying the model to the normalized service usage and rewards dataset to produce a plurality of alternative service offering normalized datasets, comparing the alternative service offering normalized datasets to the normalized usage dataset according to at least one element of the datasets to determine if an alternative service offering is better than the user's current service, repeating the process periodically to determine on an updated basis which alternative service offering is better than the user's current service, and alerting the user when an alternative service offering that is better than the user's current service is available. | 07-22-2010 |
20100185452 | DECISION ENGINE FOR APPLYING A MODEL TO A NORMALIZED ALTERNATIVE SERVICE OFFERING DATASET - In embodiments of the invention, a system for estimating the cost of a service plan includes a decision engine that applies a normalized alternative service offering model to a normalized service usage dataset to produce a plurality of alternative service offering normalized datasets and a ranking facility that compares the alternative service offering normalized datasets to the normalized usage dataset to determine if an alternative service offering is better than the user's current service. Related user interfaces, applications and computer program products are disclosed. | 07-22-2010 |
20100185453 | SYSTEM AND METHOD FOR COMPARING ALTERNATIVE SERVICE OFFERINGS - In embodiments of the invention, a system for comparing service offerings includes a business rules server for storing definitions of a plurality of service usage-related data types, a data engine for collecting service parameters related to a service usage using a computer implemented facility, a data normalization engine for normalizing the service parameters according to the defined service usage-related data types to generate a normalized service usage model for alternative service offerings and a normalized service usage dataset for a user's current service, a decision engine for applying the normalized service usage model to the normalized service usage dataset to produce a plurality of alternative service offering normalized datasets, and a ranking facility for comparing the alternative service offering normalized datasets to the normalized usage dataset to determine if an alternative service offering is better than the user's current service. | 07-22-2010 |
20100185454 | SYSTEM AND METHOD FOR NORMALIZING ALTERNATIVE SERVICE PLANS - In embodiments of the invention, a method for generating a normalized service usage model includes defining a plurality of service usage-related data types, collecting service parameters related to a service usage using a computer implemented facility, and normalizing the service parameters according to the defined service usage-related data types to generate a normalized service usage model. Related user interfaces, applications, and computer program products are disclosed. | 07-22-2010 |
20100185489 | METHOD FOR DETERMINING A PERSONALIZED TRUE COST OF SERVICE OFFERINGS - In embodiments of the invention, comparing service plans based on a user's usage data may include collecting at least one of predicted and past service usage and reward earnings data for a user's current service using a computer implemented facility, analyzing the service usage and rewards earnings data to obtain a normalized service usage and rewards dataset, normalizing data related to a plurality of alternative service offerings according to a normalized alternative service offering model, applying the normalized alternative service offering model to the normalized service usage and rewards dataset to produce a plurality of alternative service offering normalized datasets and comparing the alternative service offering normalized datasets to the normalized usage dataset according to at least one element of the datasets to determine if an alternative service offering is better than the user's current service. Related user interfaces, applications, and computer program products are disclosed. | 07-22-2010 |
20100185490 | SYSTEM AND METHOD FOR COMPARING ALTERNATIVE WIRELESS SERVICE OFFERINGS - In embodiments of the invention, a method for comparing wireless service plans based on a user's usage data includes collecting wireless service usage data for a user's current wireless service using a computer implemented facility, analyzing the wireless service usage data to obtain a normalized wireless service usage dataset, normalizing data related to a plurality of alternative wireless service offerings according to a normalized alternative wireless service offering model, applying the normalized alternative wireless service offering model to the normalized wireless usage dataset to produce a plurality of alternative wireless service offering normalized datasets, and comparing the alternative wireless service offering normalized datasets to the normalized wireless service usage dataset to determine if an alternative wireless service offering is better than the user's current wireless service. Related user interfaces, applications, and computer program products are disclosed. | 07-22-2010 |
20100185491 | SYSTEM AND METHOD FOR COMPARING ALTERNATIVE SAVINGS ACCOUNTS OFFERINGS - In embodiments of the invention, a method for comparing savings account offerings based on a user's savings account data includes collecting savings account usage data for a user's current savings account using a computer implemented facility, analyzing the savings account usage data to obtain a normalized savings account usage dataset, normalizing data related to a plurality of alternative savings account offerings according to a normalized alternative savings account offering model, applying the normalized alternative savings account offering model to the normalized savings account usage dataset to produce a plurality of alternative savings account offering normalized datasets. and comparing the alternative savings account offering normalized datasets to the normalized savings account usage dataset to determine if an alternative savings account offering is better than the user's current savings account. Related user interfaces, applications, and computer program products are disclosed. | 07-22-2010 |
20100185492 | SYSTEM AND METHOD FOR COMPARING ALTERNATIVE COMBINED INTERNET, TELEVISION, AND TELEPHONE SERVICE PLANS - In embodiments of the invention, a method for comparing combined internet, television, and telephone service plans includes collecting and analyzing a user's current combined internet, television, and telephone service usage data to obtain a normalized combined internet, television, and telephone service usage dataset, normalizing data related to a plurality of alternative combined internet, television, and telephone service offerings according to a normalized alternative combined internet, television, and telephone service offering model, applying the model to the normalized combined internet, television, and telephone usage dataset to produce a plurality of alternative combined internet, television, and telephone service offering normalized datasets, and comparing the datasets to the normalized combined internet, television, and telephone service usage dataset to determine if an alternative combined internet, television, and telephone service offering is better than the user's current combined internet, television, and telephone service. Related user interfaces, applications, and computer program products are disclosed. | 07-22-2010 |
20100185534 | SYSTEM AND METHOD FOR NORMALIZING SERVICE USAGE DATA - In embodiments of the invention, a method for normalizing service usage data includes defining a plurality of service usage-related data types, collecting service usage data using a computer implemented facility, and sorting the service usage data according to the defined service plan-related data types. Related user interfaces, applications, and computer program products are disclosed. | 07-22-2010 |
20110246268 | SYSTEM AND METHOD FOR PROVIDING AN OPPORTUNITY TO ASSESS ALTERNATIVE OFFERINGS RELATED TO A FINANCIAL TRANSACTION - 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 related to a presently selected offering in a financial transaction. | 10-06-2011 |
20110246280 | SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT - 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. | 10-06-2011 |
20110246281 | SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT - 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 online with a user's financial transaction data. | 10-06-2011 |
20110246292 | SYSTEM AND METHOD FOR PROVIDING AVAILABILITY OF ALTERNATIVE SERVICE PLANS ASSOCIATED WITH A FINANCIAL ACCOUNT STATEMENT - This 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 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 in relation to a user's bill in a presently selected offering. | 10-06-2011 |
20110246299 | SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY TO A USER THOUGH ANONYMIZED INFORMATION PROVIDED TO A THIRD PARTY - 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 in response to anonymized data received from the consumer. | 10-06-2011 |
20110246346 | SYSTEM AND METHOD FOR PROVIDING AN ONLINE LINK TO ALTERNATIVE OFFERS RELATED TO A BILL ASSESSMENT IN ASSOCIATION WITH AN ONLINE FINANCIAL ACCOUNT - This 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 in relation to a transaction on the user's graphical interface. | 10-06-2011 |
20110251883 | SYSTEM AND METHOD FOR PROVIDING LOYALTY CARD REWARDS THROUGH AN ALTERNATE USER FINANCIAL INSTRUMENT - 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 actual or predicted service usage data from the consumer. 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 for use in a subsequent transaction. | 10-13-2011 |
20110251891 | SYSTEM AND METHOD FOR AN EXECUTABLE SCRIPT RELATED TO PROVIDING A SAVINGS OPPORTUNITY INTERFACE - 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 using executable script in a user's graphical user interface. | 10-13-2011 |
20110251934 | SYSTEM AND METHOD FOR PROVIDING A MERCHANT BILL ASSESSMENT GRAPHICAL INTERFACE FOR INDICATION OF SAVINGS OPPORTUNITY - 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 actual or predicted service usage data from the consumer. 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 to a user through a graphical user interface. | 10-13-2011 |
20110258028 | SYSTEM AND METHOD FOR PROVIDING A GEOGRAPHIC MAP OF ALTERNATIVE SAVINGS OPPORTUNITIES IN ASSOCIATION WITH A FINANCIAL TRANSACTION DATA - 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 and the geographical location of the savings opportunity are presented. | 10-20-2011 |
20120066046 | SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT - 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. | 03-15-2012 |
20120066050 | SYSTEM AND METHOD FOR PROVIDING LOYALTY CARD REWARDS THROUGH AN ALTERNATE USER FINANCIAL INSTRUMENT - 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 actual or predicted service usage data from the consumer. 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 for use in a subsequent transaction. | 03-15-2012 |