Patent ID: 9519928
Filing Date: 2016-12-13
CPC Classification: G06Q

Claim Text:
1. An apparatus configured for integrating unstructured product level data retrieved from electronic communications with an online banking application in a structured format, and thereby providing product evaluation based on electronic receipt data, the apparatus comprising: a memory; a processor; and a module stored in the memory, executable by the processor, and configured to: monitor from an email server, one or more electronic accounts associated with a customer, wherein the one or more electronic accounts include at least an email account associated with electronic communications between the customer and a merchant; identify, via the email server, purchase transaction data associated with identified electronic communications between the merchant and the customer regarding a purchase transaction, wherein the purchase transaction data includes product level data associated with the purchase transaction between the customer and the merchant, wherein the purchase transaction data is automatically identified from the one or more electronic accounts associated with the customer, wherein identifying the purchase transaction data further comprises: retrieve, electronically from the email server, the identified purchase transaction data, wherein the identified purchase transaction data is retrieved in an unstructured format from the one or more electronic accounts associated with the customer, wherein retrieving the identified transaction data comprises: electronically convert the retrieved purchase transaction data from the unstructured format to a structured format based on the parsing template, wherein the structured format is associated with an OFX (Open Financial Exchange) format; integrate the structured purchase transaction data converted from the unstructured purchase transaction data with the customer's online banking application, whereby the product level data associated with the purchase transaction can be viewed from within the online banking application in response to integrating the structured purchase transaction data with the customer's online banking application, wherein integrating the structured purchase transaction data with the customer's online banking application further comprises: aggregate purchase transaction data related to one or more products purchased by the customer; determine that the one or more products are purchased on a recurring basis based at least partially on an analysis of the purchase transaction data; and provide the customer with one or more options based at least partially on determining the one or more products are purchased on a recurring basis.