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.
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;
matching a savings opportunity from a database of savings opportunities to the user based on the savings opportunity indication;
displaying the savings opportunity in association with a statement of a user's financial account;
allowing the user to interact with the savings opportunity; and
using the interaction data to drive a subsequent match of a savings opportunity.
2 . The method of claim 1 , wherein the interaction data is a past response to a savings opportunity.
3 . The method of claim 2 , wherein if the response is negative, decreasing the number of matches made.
4 . The method of claim 2 , further comprising, if the response is positive, increasing the number of matches made.
5 . The method of claim 2 , further comprising, if the response is negative, changing the type of savings opportunity matched.
6 . The method of claim 1 , wherein the interaction data is a like or dislike of the savings opportunity.
7 . The method of claim 1 , wherein the interaction data is an expansion of a savings opportunity headline to reveal additional details.
8 . The method of claim 1 , wherein the interaction data is a sharing of the savings opportunity with at least one of a second user and a social network.
9 . 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.
10 . The method of claim 1 , wherein the savings opportunity comprises an offer to perform a bill analysis.
11 . The method of claim 10 , further comprising generating and displaying a link, in a graphical user interface to the user's financial account, to a transaction assessment user interface to compare the transaction to a plurality of alternative offers.
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, a 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 1 , wherein the savings opportunity is a pre-paid offer.
17 . The method of claim 16 , wherein the pre-paid offer is charged immediately to the user's financial account.
18 . The method of claim 16 , wherein the pre-paid offer is redeemed via at least one of an online coupon code, an in-store coupon, and a mobile phone coupon.
19 . The method of claim 1 , wherein the savings opportunity is a merchant loyalty program.
20 . The method of claim 1 , wherein the step of matching is limited to savings opportunities near a user's identified location.