Systems and methods for use of transaction data for customers

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United States of America Patent

PATENT NO 9031866
SERIAL NO

12272004

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Importance

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Abstract

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The invention provides a system and method for using transaction data to provide information to a customer, the information being provided in response to a request from the customer so as to assist the customer in decisioning. The method may comprising inputting transaction data regarding a plurality of transactions effected at a plurality of merchants; inputting a request for information from a requesting customer, the request including parameters related to the request; performing processing based on both the transaction data and the request for information, the processing including generating a response to the request; and outputting the response to the requesting customer. The request and processing may relate to identifying activities of similarly situated persons vis-à-vis the requesting customer, based on the transaction data. The request may relate to identifying an optimum merchant to secure purchase of a target item. Further, the request may relate to determining an optimum sequence in which to perform a plurality of desired activities. Various other features are described.

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First Claim

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Patent Owner(s)

Patent OwnerAddress
JPMORGAN CHASE BANK N A383 MADISON AVENUE NEW YORK NY 10179

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Acharya, Ravi Philadelphia, US 33 956
Conrad, Christopher R Philadelphia, US 5 56
Knackstedt, Lee Bear, US 20 673
Mann,, III William F Avondale, US 11 210
Ng, Steven Newark, US 6 386

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