Patent ID: 7788141

Claim:
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, wherein the first merchant system comprises a first computer processor, and wherein each of the first plurality of item details comprises an item description and an item price for one of a first plurality of items purchased in a first transaction of the consumer; 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, wherein the second merchant system comprises a second computer processor, wherein the first merchant is not affiliated with the second merchant, and wherein each of the second plurality of item details comprises an item description and an item price for one of a second plurality of items purchased in a second transaction of the consumer; and 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.