SYSTEM AND METHOD FOR PROVIDING AN ONLINE LINK TO ALTERNATIVE OFFERS RELATED TO A BILL ASSESSMENT IN ASSOCIATION WITH AN ONLINE FINANCIAL ACCOUNT

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 usa...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: KOTHARI SAMIR, DAREDIA SHEHZAD, SATYAVOLU RAMAKRISHNA V
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
ELECTRIC COMMUNICATION TECHNIQUE
ELECTRICITY
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
TELEPHONIC COMMUNICATION
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Beschreibung
Zusammenfassung: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.