Patent ID: 8086528

Claim:
A method for deriving aggregated transaction data comprising: sending a user inquiry file to a data source from an aggregator server; wherein the user inquiry file comprises a specific consumer level information for one or more users; receiving at the aggregator server a linkage response file from the data source based on the user inquiry file; parsing the linkage response file to determine a user account identifier using the aggregator server, wherein the user account identifier is unavailable prior to receiving the linkage response file; generating a transaction data inquiry file comprising the user account identifier using the aggregator server; sending the transaction data inquiry file from the aggregator server to a transaction database; receiving at the aggregator server a transaction data response file from the transaction database in response to the transaction data inquiry file; parsing the transaction data response file according to the user inquiry file using the aggregator server; and determining aggregated transaction data from the parsed transaction data response file using the aggregator server; wherein the transaction data response file comprises raw transaction level data having transaction data records for all accounts associated with a particular user; wherein the aggregated transaction data is based on customized transaction aggregates defined by one or more information requesters; and wherein parsing the transaction data response file comprises extracting transaction data elements based on a plurality of transaction level data element identifiers.