SYSTEM AND METHOD FOR PROVIDING A SAVINGS OPPORTUNITY MATCHED TO A SPEND PATTERN IN ASSOCIATION WITH A FINANCIAL ACCOUNT

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 spend pattern;

matching a savings opportunity from a database of savings opportunities to the user based on the spend pattern; and

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

2 . The method of claim 1 , further comprising gathering a past response to a savings opportunity and analyzing it, wherein the savings opportunity is based on both the spend pattern and past response data.

3 . 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.

4 . 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.

5 . The method of claim 1 , wherein the step of displaying the savings opportunity comprises displaying the savings opportunity within a field of the statement where prior transaction data is presented.

6 . The method of claim 1 , wherein the step of displaying the savings opportunity comprises displaying the savings opportunity within a field of the statement not where prior transaction data is presented.

7 . The method of claim 1 , wherein the user's financial account is at least one of a credit card account, a bank account, a checking account, a savings account, a personal finance program account, and a loan account.

8 . The method of claim 1 , wherein the step of analyzing comprises anonymizing the transaction data.

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

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

11 . The method of claim 10 , wherein the coupon is a barcode presented on a mobile device.

12 . The method of claim 10 , wherein the coupon is a printed coupon presented in a statement.

13 . The method of claim 10 , wherein the coupon is 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 the step of matching is further limited to savings opportunities near a user's identified location.

20 . The method of claim 20 , wherein the user's location is identified at least one of manually by the user and automatically from a mobile device implementing the method.