SYSTEM AND METHOD FOR MATCHING A SAVINGS OPPORTUNITY USING THIRD PARTY DATA

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;

obtaining third party data regarding a savings opportunity from a database of savings opportunities;

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

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

2 . The method of claim 1 , wherein the third party data relates to an aspect of the merchant.

3 . The method of claim 1 , wherein the third party data relates to an aspect of a product or service offered by the merchant.

4 . 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.

5 . 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.

6 . 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.

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

8 . 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.

9 . 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.

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

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 1 , wherein the savings opportunity is an automatic discount on a subsequent transaction.

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

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

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

17 . The method of claim 16 , wherein the merchant loyalty program is implemented through the use of a transaction card associated with the financial account.

18 . The method of claim 16 , wherein the merchant loyalty program is implemented by providing the user with at least one of a printed coupon, a bar code coupon presented on a mobile device, and a credit on a merchant loyalty card.

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.