SYSTEM AND METHOD FOR FINANCIAL INSTITUTION- AND MERCHANT-DRIVEN SAVINGS OPPORTUNITY MATCHING

1 . A method, comprising:

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;

analyzing the transaction data for a savings opportunity indication;

applying a filter to a database of savings opportunities;

matching a savings opportunity from the filtered database of savings opportunities to the user based on the savings opportunity indication; and

displaying the savings opportunity in association with a statement of a user's financial account.

2 . The method of claim 1 , wherein the filter relates to a host of the user's financial account.

3 . The method of claim 2 , wherein the filter is a blacklist of at least one of a merchant, a merchant type, a transaction type, a time period, and a savings opportunity type.

4 . The method of claim 1 , wherein the filter relates to a merchant offering a savings opportunity.

5 . The method of claim 4 , wherein the filter relates to a past spend with the merchant, a past spend in a category, a past purchase frequency, a transaction, and a change in purchase pattern.

6 . The method of claim 1 , further comprising gathering a past response to a savings opportunity indication and analyzing it, wherein the savings opportunity is based on both the analyzed transaction data and past response data.

7 . The method of claim 1 , wherein the statement is at least one of an online statement, an online graphical user interface associated with the user's financial account, an online bill pay area, a dialog box associated with the user's financial account, an ATM receipt, a teller receipt, a mobile statement, and a paper statement.

8 . The method of claim 1 , wherein the step of analyzing comprises extracting at least one of a merchant name, a merchant category, a merchant location, a store number, a transaction amount, a transaction frequency, a zip code, a store category, a transaction description, and a total spending amount.

9 . The method of claim 1 , wherein the step of analyzing comprises analyzing the transaction data for a savings opportunity indication relating to a merchant.

10 . The method of claim 1 , wherein the step of analyzing comprises analyzing the transaction data for a savings opportunity indication relating to a market segment.

11 . The method of claim 1 , wherein the savings opportunity comprises an offer to perform a bill analysis.

12 . The method of claim 1 , wherein the savings opportunity is a coupon.

13 . The method of claim 12 , wherein the coupon is at least one of a barcode presented on a mobile device, printed coupon presented in a statement, and an online redemption coupon code.

14 . The method of claim 1 , wherein the savings opportunity is an automatic discount on a subsequent transaction.

15 . The method of claim 1 , wherein the savings opportunity is a credit on a subsequent transaction.

16 . The method of claim 15 , wherein when the user makes the subsequent transaction, the user receives the credit.

17 . The method of claim 1 , wherein the savings opportunity is a pre-paid offer.

18 . The method of claim 1 , wherein the savings opportunity is a merchant loyalty program.

19 . The method of claim 1 , wherein analyzing the transaction data comprises analyzing market segment information.

20 . The method of claim 1 , wherein the step of matching is limited to savings opportunities near a user's identified location.