| Patent application number | Description | Published |
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| 20090024464 | METHOD AND SYSTEM FOR PROVIDING CONSUMER DEFINED COUPONS - A method and system for providing consumer defined coupons includes a process for providing consumer defined coupons whereby a consumer proposes/defines the parameters or “terms” of a proposed coupon and/or marketing offer that the consumer feels would compel the consumer to purchase a product and/or service, shop at a defined store, or perform some other defined action. The consumer defined coupon terms are then provided to a potential coupon provider. The potential coupon provider is then provided the opportunity to review the consumer defined coupon terms. The potential coupon provider is then provided the opportunity to accept the consumer defined coupon terms, reject the consumer defined coupon terms, and/or propose alternative coupon terms. If the potential coupon provider accepts the consumer defined coupon terms, a coupon is then created and provided to the consumer. | 01-22-2009 |
| 20090037264 | METHOD AND SYSTEM FOR PROVIDING COUPONS TO SELECT CONSUMERS - A method and system for providing coupons to select consumers includes a process for providing coupons to select consumers whereby a coupon provider defines one or more coupon eligibility criterion that must be met by a consumer in order for the consumer to be eligible to receive one or more coupons. Access to data representing the one or more coupon eligibility criterion is then provided. A consumer's financial data is then obtained from one or more sources using a computing system implemented financial management system. In one embodiment, using the consumer's financial data and the data representing the one or more coupon eligibility criterion, one or more coupons are identified that the consumer is eligible to receive. In one embodiment, the consumer is then provided access to the one or more coupons identified that the consumer is eligible to receive. | 02-05-2009 |
| 20090037266 | METHOD AND SYSTEM FOR PROVIDING RELEVANT COUPONS TO CONSUMERS BASED ON FINANCIAL TRANSACTION HISTORY AND INTERNET BROWSING ACTIVITY - A method and system for providing relevant coupons includes a process for providing relevant coupons whereby a consumer's financial transaction data is obtained from one or more sources using a computing system implemented financial management system. The consumer is provided one or more financial transaction based coupons based, at least in part, on the consumer's financial transaction data. The financial transaction based coupons are then stored in a financial transaction based coupon database in an account and/or location associated with the consumer. When the consumer is viewing a given website, data about the website being viewed is then used to search the financial transaction based coupon database to attempt to find one or more financial transaction based coupons relevant to the website the consumer is currently viewing. If one or more financial transaction based coupons relevant to the website the consumer is currently viewing are found, the consumer is alerted to the relevant financial transaction based coupons. | 02-05-2009 |
| 20090106144 | METHOD AND SYSTEM FOR PROVIDING SELLERS ACCESS TO SELECTED CONSUMERS - A method and system for providing sellers access to desirable consumers includes a process for providing sellers access to desirable consumers whereby financial transaction data for various consumers is obtained from one or more sources using a computing system implemented financial management system. The consumers' financial transaction data is then used by a provider of marketing and advertising tools to categorize consumers. Sellers are then charged for access to the consumers based on the consumer's category and/or historical financial transaction data and/or based on the consumer's eventual business with the seller as indicated by monitoring the consumers' financial transaction data. | 04-23-2009 |
| Patent application number | Description | Published |
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| 20080270277 | Method and apparatus for performing a financial transaction - A system that performs a financial transaction on behalf of a user is presented. During operation, the system receives parameters for the financial transaction. Next, the system analyzes the parameters to determine financial benefits of using one or more subsets of financial sources from a set of financial sources associated with the user to fulfill the financial transaction. The system then selects a subset of financial sources which substantially maximizes the financial benefits for the user. Next, the system uses the selected subset of financial sources to fulfill the financial transaction on behalf of the user. | 10-30-2008 |
| 20090192903 | METHOD AND APPARATUS FOR AUTHORIZING A FINANCIAL TRANSACTION - A system that authorizes a financial transaction is presented. During operation, the system receives a request to authorize accounts associated with one or more financial instruments to be used to fulfill the financial transaction. Next, the system determines a transaction location at which the financial transaction is being performed. The system then determines whether the accounts are authorized to be used at the transaction location. If so, the system authorizes the accounts to be used to fulfill the financial transaction. | 07-30-2009 |
| 20090276346 | SYSTEM AND METHOD FOR CLASSIFYING A FINANCIAL TRANSACTION AS A RECURRING FINANCIAL TRANSACTION - A system that automatically classifies a financial transaction as a recurring financial transaction based on classification data obtained from a set of users is presented. The system can also determine the frequency at which the recurring financial transaction repeats. If the financial transaction is classified as a recurring financial transaction, the system can mark the financial transaction as a recurring financial transaction. Alternatively, the system can notify the user that the classification data indicates that the financial transaction can be classified as a recurring financial transaction. | 11-05-2009 |
