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 |
20120004964 | SYSTEM AND METHOD FOR FINANCIAL INSTITUTION- AND MERCHANT-DRIVEN SAVINGS OPPORTUNITY MATCHING - A system and method for financial institution- and merchant-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a savings opportunity indication. A filter may be applied to a database of savings opportunities prior to matching one to the user based on the savings opportunity indication. The savings opportunity is displayed in association with a statement of a user's financial account. | 01-05-2012 |
20120004965 | SYSTEM AND METHOD FOR USER-DRIVEN SAVINGS OPPORTUNITY MATCHING - A system and method for user-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication. The savings opportunity is displayed in association with a statement of a user's financial account, and the user is allowed to interact with the savings opportunity. The interaction data may be used to drive a subsequent match of a savings opportunity. | 01-05-2012 |
20120004966 | SYSTEM AND METHOD FOR PROVIDING REWARDS THROUGH A USER FINANCIAL INSTRUMENT - A system and method for providing rewards through a user financial instrument includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data to determine a reward level. The savings opportunity from the merchant may be matched to the user based on the reward level. The user is enabled to redeem the savings opportunity during a subsequent transaction with the merchant. | 01-05-2012 |
20120004967 | SYSTEM AND METHOD FOR PROVIDING A FUTURE REWARD THROUGH A USER FINANCIAL INSTRUMENT - A system and method for providing a future reward through a user financial instrument includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data to determine a future savings opportunity accessible to the user after completion of a goal. Systems and methods track progress towards completing the goal. The user is enabled to obtain the future savings opportunity when the goal is completed. | 01-05-2012 |
20120004968 | SYSTEM AND METHOD FOR PROVIDING SOCIALLY ENABLED REWARDS THROUGH A USER FINANCIAL INSTRUMENT - A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user's financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity. | 01-05-2012 |
20120004969 | SYSTEM AND METHOD FOR PROVIDING A GEO-ENHANCED SAVINGS OPPORTUNITY IN ASSOCIATION WITH A FINANCIAL ACCOUNT - A system and method for providing a geo-enhanced savings opportunity in association with a financial account includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication. The savings opportunity is displayed in association with a statement of a user's financial account. A response to the savings opportunity is tracked in order to receive an indication of whether or not the savings opportunity has been accepted. If it was not accepted, an additional incentive to accept the savings opportunity may be made when the user is in a geographic location set by a merchant offering the savings opportunity. | 01-05-2012 |
20120004970 | SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY MATCHED TO A SPEND PATTERN IN ASSOCIATION WITH A FINANCIAL ACCOUNT - A system and method for providing a savings opportunity matched to a spend pattern in association with a financial account includes gathering transaction data from a user's financial account and analyzing the transaction data for a spend pattern. A savings opportunity from a database of savings opportunities is matched to the user based on the spend pattern. The savings opportunity is displayed in association with a statement of a user's financial account. | 01-05-2012 |
20120004975 | SYSTEM AND METHOD FOR PLATFORM-DRIVEN SAVINGS OPPORTUNITY MATCHING - A system and method for platform-driven savings opportunity matching includes gathering transaction data from a user's financial account, wherein the user's financial account is a financial institution account that is maintained on behalf of the user and analyzing the transaction data for a psychographic inference. A savings opportunity from a database of savings opportunities is matched to the user based on the psychographic inference. The savings opportunity is displayed in association with a statement of the user's financial account. | 01-05-2012 |
20120010932 | SYSTEM AND METHOD FOR MATCHING A SAVINGS OPPORTUNITY USING CENSUS DATA - A system and method for matching a savings opportunity using census data includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. Third party census data related to a geographic location of the user may be used in addition to the savings opportunity indication to match a savings opportunity from a database of savings opportunities to the user. The savings opportunity is displayed in association with a statement of the user's financial account. | 01-12-2012 |
20120010933 | SYSTEM AND METHOD FOR MATCHING A SAVINGS OPPORTUNITY USING THIRD PARTY DATA - A system and method for matching a savings opportunity using third party data includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. Third party data regarding the savings opportunity may be used in addition to the savings opportunity indication to match a savings opportunity from a database of savings opportunities to the user. The savings opportunity is displayed in association with a statement of the user's financial account. | 01-12-2012 |
20120010936 | SYSTEM AND METHOD FOR PROVIDING A FACILITY FOR CONDITIONAL PURCHASES - Methods and systems for a conditional purchase may include gathering transaction data from a user's financial account and analyzing the data for a savings opportunity indication. A savings opportunity is matched to the user based on the savings opportunity indication. The user may provide a conditional purchase offer for a good or service identified by the savings opportunity, wherein the offer specifies at least one of a desired discount and an offer price. The conditional purchase offer is compared with at least one of an inventory and a pricing information to determine if the conditional purchase offer is acceptable. If the conditional purchase offer is acceptable, the customer may be bound to purchase the good or service. If the conditional purchase offer is not acceptable, the user may modify at least one of the discount and offer price of the conditional purchase offer to try to gain acceptance again. | 01-12-2012 |
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 |
20130325548 | SYSTEM AND METHOD OF OBTAINING MERCHANT SALES INFORMATION FOR MARKETING OR SALES TEAMS - Disclosed herein is a method of obtaining merchant sales information for marketing or sales teams. Including accessing transaction data from one or more financial institutions and extracting metadata associated with the transaction data in accordance with at least one rule. The metadata is then analyzed to identify transaction data associated with one or more merchants. The transaction data associated with the one or more merchants is provided to the marketing or sales teams. | 12-05-2013 |
20130325587 | SYSTEM AND METHOD FOR MANAGING CAMPAIGN EFFECTIVENESS BY A MERCHANT - Disclosed herein is a method is provided for managing campaign effectiveness by a merchant. The method comprising: initiating a campaign by one or more merchants, accessing transaction data from one or more financial institutions, extracting metadata associated with the transaction data in accordance with at least one rule, analyzing the metadata to identify transaction data associated with the campaign and the one or more merchants, analyzing the transaction data associated with the campaign and the one or more merchants and providing information associated with the campaign to the merchant. | 12-05-2013 |
20130325608 | SYSTEMS AND METHODS FOR OFFER SCORING - Disclosed herein is a method for providing users with saving opportunities of interest. The method includes developing a predictive model of user purchase behavior, evaluating a plurality of available savings opportunities from a savings opportunity data base using the model of user purchase behavior, selecting from the plurality of savings opportunities one with the highest likelihood of acceptance and communicating the selected savings opportunity to the user. | 12-05-2013 |
20130325681 | SYSTEM AND METHOD OF CLASSIFYING FINANCIAL TRANSACTIONS BY USAGE PATTERNS OF A USER - Disclosed herein is a method of classifying financial transactions by usage patterns of a user. The method includes analyzing metadata extracted from the information associated with financial transactions in accordance with at least one business rule. Where the analysis includes sequentially analyzing the metadata using a constant-time lookup data structure, a Radix tree, a Lucene tree and fuzzy logic methods, until a unique identifier is found that is associated with the metadata. The metadata with the unique identifier is then added to the constant-time lookup data structure to update the constant-time lookup data structure. The transaction data is then classified based on the unique identifier. | 12-05-2013 |
20140095364 | 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. | 04-03-2014 |
20140143109 | 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. | 05-22-2014 |
20140172560 | SYSTEM AND METHOD OF PROFITABILITY ANALYTICS - Disclosed herein is a method to guide savings opportunities provided through a financial institution to their customers. The method comprising: analyzing financial transactions of customers to identify financial usage patterns, comparing usage patterns to available savings opportunities, reviewing available savings opportunities, identifying which savings opportunities are to be offered through the financial institution to customers and which are to have restricted access and enabling offered savings opportunities and restricted access savings opportunities for customers through the financial institution. | 06-19-2014 |
20140180783 | SYSTEM AND METHOD FOR PROVIDING SOCIALLY ENABLED REWARDS THROUGH A USER FINANCIAL INSTRUMENT - A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user's financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity. | 06-26-2014 |