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1.发明申请SYSTEM AND METHOD FOR PROVIDING LOYALTY CARD REWARDS THROUGH AN ALTERNATE USER FINANCIAL INSTRUMENT 审中-公开通过替代用户财务报表提供积分卡的系统和方法公开(公告)号：US20110251883A1
公开(公告)日：2011-10-13
申请号：US13082751
申请日：2011-04-08
IPC分类号： G06Q30/00
CPC分类号： H04M15/745 , G06Q30/02 , G06Q30/0224 , H04M15/44 , H04M15/58 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用来自消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个示例中，呈现用于后续交易的储蓄机会。
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2.发明授权System and method for providing a savings opportunity in association with a financial account 有权提供与财务账户相关联的储蓄机会的系统和方法公开(公告)号：US08600857B2
公开(公告)日：2013-12-03
申请号：US13082591
申请日：2011-04-08
CPC分类号： G06Q40/00 , G06Q30/0224 , G06Q30/0226 , G06Q30/0255 , G06Q30/0261 , G06Q40/02 , H04M15/00 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个例子中，一个储蓄机会被提供了一个消费者的财务帐户的声明。
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3.发明申请公开(公告)号：US20110258028A1
公开(公告)日：2011-10-20
申请号：US13082655
申请日：2011-04-08
CPC分类号： H04M15/745 , G06Q30/02 , G06Q30/0224 , G06Q40/00 , H04M15/44 , H04M15/58 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个例子中，介绍了储蓄机会和储蓄机会的地理位置。
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4.发明申请SYSTEM AND METHOD FOR AN EXECUTABLE SCRIPT RELATED TO PROVIDING A SAVINGS OPPORTUNITY INTERFACE 审中-公开与提供节省机会接口相关的可执行脚本的系统和方法公开(公告)号：US20110251891A1
公开(公告)日：2011-10-13
申请号：US13082784
申请日：2011-04-08
IPC分类号： G06Q30/00
CPC分类号： H04M15/745 , G06Q30/02 , G06Q30/0251 , G06Q30/06 , G06Q30/08 , G06Q40/02 , H04M15/44 , H04M15/58 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个示例中，使用用户图形用户界面中的可执行脚本呈现节省机会。
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5.发明申请公开(公告)号：US20110246281A1
公开(公告)日：2011-10-06
申请号：US13082606
申请日：2011-04-08
IPC分类号： G06Q30/00
CPC分类号： H04M15/00 , G06Q30/02 , G06Q30/0224 , G06Q30/0226 , G06Q30/0255 , G06Q30/0261 , G06Q40/02 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个示例中，在线呈现用户的金融交易数据的储蓄机会。
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6.发明授权System and method for providing a savings opportunity in association with a financial account 有权提供与财务账户相关联的储蓄机会的系统和方法公开(公告)号：US08650105B2
公开(公告)日：2014-02-11
申请号：US13300090
申请日：2011-11-18
IPC分类号： G06Q40/00
CPC分类号： G06Q40/00 , G06Q30/0224 , G06Q30/0226 , G06Q30/0255 , G06Q30/0261 , G06Q40/02 , H04M15/00 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个例子中，一个储蓄机会被提供了一个消费者的财务帐户的声明。
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7.发明申请SYSTEM AND METHOD FOR PROVIDING A MERCHANT BILL ASSESSMENT GRAPHICAL INTERFACE FOR INDICATION OF SAVINGS OPPORTUNITY 审中-公开提供商业帐单评估图形界面的系统和方法，用于指示节省机会公开(公告)号：US20110251934A1
公开(公告)日：2011-10-13
申请号：US13082762
申请日：2011-04-08
IPC分类号： G06Q90/00
CPC分类号： G06Q30/06 , G06Q40/12 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用来自消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个示例中，通过图形用户界面向用户呈现储蓄机会。
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8.发明申请SYSTEM AND METHOD FOR PROVIDING AVAILABILITY OF ALTERNATIVE SERVICE PLANS ASSOCIATED WITH A FINANCIAL ACCOUNT STATEMENT 审中-公开提供与财务帐目相关的替代性服务计划的可用性的系统和方法公开(公告)号：US20110246292A1
公开(公告)日：2011-10-06
申请号：US13082644
申请日：2011-04-08
IPC分类号： G06Q30/00
CPC分类号： H04M15/00 , G06Q30/02 , G06Q30/0251 , G06Q40/02 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及针对消费者的主要用于金融产品的购买和使用基于服务分析的比较。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个示例中，相对于当前选择的产品中的用户账单来呈现储蓄机会。
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9.发明申请公开(公告)号：US20110246280A1
公开(公告)日：2011-10-06
申请号：US13082591
申请日：2011-04-08
IPC分类号： G06Q30/00
CPC分类号： G06Q40/00 , G06Q30/0224 , G06Q30/0226 , G06Q30/0255 , G06Q30/0261 , G06Q40/02 , H04M15/00 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个例子中，一个储蓄机会被提供了一个消费者的财务帐户的声明。
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10.发明申请SYSTEM AND METHOD FOR PROVIDING AN OPPORTUNITY TO ASSESS ALTERNATIVE OFFERINGS RELATED TO A FINANCIAL TRANSACTION 审中-公开提供机会评估与财务交易相关的替代产品的制度和方法公开(公告)号：US20110246268A1
公开(公告)日：2011-10-06
申请号：US13082622
申请日：2011-04-08
IPC分类号： G06Q30/00
CPC分类号： H04M15/00 , G06Q30/02 , G06Q30/0241 , H04M15/44 , H04M15/58 , H04M15/745 , H04M15/80 , H04M15/8011 , H04M15/8044 , H04M15/805 , H04M15/8083 , H04M15/83 , H04M15/84 , H04M15/85 , H04M15/851 , H04M2215/0104 , H04M2215/0108 , H04M2215/018 , H04M2215/0184 , H04M2215/0188 , H04M2215/74 , H04M2215/7407 , H04M2215/745 , H04M2215/7457 , H04M2215/81 , H04M2215/8129 , H04M2215/815
摘要： 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.
摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个示例中，储蓄机会与金融交易中当前选择的发行有关。
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