Patent ID: 7788141
Filing Date: 2010-08-31
Classification: G06Q

Abstract:
1. A method of tracking purchases for a consumer using a unique identifier associated with the consumer, comprising: receiving a first plurality of item details and the unique identifier from a first merchant system of a first merchant, obtaining a balance of the consumer with the first merchant from the first merchant system; receiving a second plurality of item details and the unique identifier from a second merchant system of a second merchant, storing, in a purchase data repository, the first plurality of item details and the second plurality of item details using the unique identifier to obtain a plurality of aggregated item details; categorizing, at an item level, each of the plurality of aggregated item details within the purchase data repository to obtain a plurality of categorized item details; sending, to a financial application of the consumer, the plurality of categorized item details, wherein the consumer uses the financial application to access the plurality of categorized item details; and sending, to the financial application of the consumer, a coupon offer from the first merchant based on the balance of the consumer with the first merchant.