公开(公告)号：US20140143109A1

公开(公告)日：2014-05-22

申请号：US14166525

申请日：2014-01-28

申请人： Truaxis, Inc.

发明人： Ramakrishna Venkata Satyavolu ,  Samir Kothari ,  Shehzad Daredia

IPC分类号： G06Q40/00

CPC分类号： G06Q40/02 ,  G06Q30/0215

摘要： The present 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 with a statement of the consumer's financial account.

公开(公告)号：US20140180783A1

公开(公告)日：2014-06-26

申请号：US14058654

申请日：2013-10-21

申请人： Truaxis, Inc.

发明人： Ramakrishna Venkata Satyavolu ,  Samir Kothari ,  Shehzad Daredia

IPC分类号： G06Q30/02

CPC分类号： G06Q30/02 ,  G06Q20/10 ,  G06Q20/14 ,  G06Q20/22 ,  G06Q20/387 ,  G06Q20/40 ,  G06Q30/00 ,  G06Q30/0207 ,  G06Q30/0215 ,  G06Q30/0222 ,  G06Q30/0224 ,  G06Q40/00 ,  G06Q40/02 ,  G06Q40/04 ,  H04M15/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

摘要： A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account 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, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user's financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity.

摘要翻译： 通过用户金融工具提供具有社会价值的奖励的系统和方法包括从用户的金融账户收集交易数据，并分析交易数据以获得储蓄机会指示。 基于储蓄机会指示，来自储蓄机会的数据库的储蓄机会与用户相匹配，其中可以与其他用户或社交网络共享储蓄机会。 储蓄机会与用户财务账户的陈述相关联地显示，并且允许用户共享储蓄机会，其中共享导致生成共享的储蓄机会。 获得共享储蓄机会的第二个用户可以赎回共享储蓄机会。 跟踪分享和赎回共享储蓄机会，例如，根据挽救共享储蓄机会的数量来改善对具有影响力的用户的目标。

公开(公告)号：US20140095364A1

公开(公告)日：2014-04-03

申请号：US14080135

申请日：2013-11-14

申请人： Truaxis, Inc.

发明人： Ramakrishna Venkata Satyavolu ,  Samir Kothari ,  Shehzad Daredia

IPC分类号： G06Q40/00

CPC分类号： G06Q40/00 ,  G06Q30/0224 ,  G06Q30/0226 ,  G06Q30/0255 ,  G06Q30/0261 ,  G06Q40/02 ,  H04M15/00 ,  H04M15/44 ,  H04M15/58 ,  H04M15/745 ,  H04M15/80 ,  H04M15/8011 ,  H04M15/8044 ,  H04M15/805 ,  H04M15/8083 ,  H04M15/83 ,  H04M15/84 ,  H04M15/85 ,  H04M15/851 ,  H04M2215/0104 ,  H04M2215/0108 ,  H04M2215/018 ,  H04M2215/0184 ,  H04M2215/0188 ,  H04M2215/74 ,  H04M2215/7407 ,  H04M2215/745 ,  H04M2215/7457 ,  H04M2215/81 ,  H04M2215/8129 ,  H04M2215/815

摘要： The present 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 with a statement of the consumer's financial account.

摘要翻译： 本公开涉及对于主要用于金融产品的消费者的比较购物和使用基于服务分析。 消费者可能不会意识到提供商的服务，选项，条款，条件，成本或服务选项如何根据消费者的特定使用特征而改变。 公开的比较购物方法使用消费者的实际或预测的服务使用数据。 服务提供商信息用于向消费者呈现相关的替代服务提供选项。 交易数据从用户的金融账户收集并被分析以获得储蓄机会指示。 分析用于匹配来自储蓄机会的数据库的储蓄机会，并且储蓄机会可以显示在用户的财务账户的陈述中。 可以收集和分析过去对储蓄机会指示的回应。 在一个例子中，一个储蓄机会被提供了一个消费者的财务帐户的声明。