Abstract: A system and method for providing socially enabled rewards through a user financial instrument includes gathering transaction data from a user's financial account and analyzing the transaction data for a savings opportunity indication. A savings opportunity from a database of savings opportunities is matched to the user based on the savings opportunity indication, wherein the savings opportunity can be shared with other users or a social network. The savings opportunity is displayed in association with a statement of a user's financial account and the user is allowed to share the savings opportunity, wherein sharing causes a shared savings opportunity to be generated. A second user, one who received the shared savings opportunity, can redeem the shared savings opportunity. The sharing and redemption of the shared savings opportunity is tracked, such as to improve targeting users who are influential based on the number of redemptions of the shared savings opportunity.

Abstract: Disclosed herein is a method to guide savings opportunities provided through a financial institution to their customers. The method comprising: analyzing financial transactions of customers to identify financial usage patterns, comparing usage patterns to available savings opportunities, reviewing available savings opportunities, identifying which savings opportunities are to be offered through the financial institution to customers and which are to have restricted access and enabling offered savings opportunities and restricted access savings opportunities for customers through the financial institution.

Abstract: The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services, options, terms, conditions, costs, or how the service options change based on the consumer's particular usage characteristics. The disclosed comparison shopping method uses the consumer's actual or predicted service usage data. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user's financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user's financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented with a statement of the consumer's financial account.

Abstract: The present disclosure relates to comparison shopping and usage based service analysis for consumers, primarily for financial products. A consumer may not be aware of a provider's services, options, terms, conditions, costs, or how the service options change based on the consumer's particular usage characteristics. The disclosed comparison shopping method uses the consumer's actual or predicted service usage data. Service provider information is used to present the consumer with relevant alternative service offering options. Transaction data is gathered from a user's financial account and is analyzed for a savings opportunity indication. The analysis is used to match a savings opportunity from a database of savings opportunities, and the savings opportunity may be displayed in a statement of a user's financial account. Past responses to a savings opportunity indication may be gathered and analyzed. In one example, a savings opportunity is presented with a statement of the consumer's financial account.

Abstract: Disclosed herein is a method of providing a user with one or more savings opportunities. The method comprising, gathering transaction data from a user's financial account, analyzing the transaction data for indications of savings opportunities, identifying savings opportunities from a database based on analysis and communicating the savings opportunities to the user.

Abstract: Disclosed herein is a method for financial institutions to provide value added services to customers while preserving security of customer financial information. The method comprising providing a single point of access to a centralized platform wherein the platform may host one or more financial applications, enabling the selection and configuration of the one or more financial applications, sharing anonymized customer financial information between the financial institution and the one or more financial applications via a single conduit, analyzing the financial information by the financial applications, receiving results from the one more financial applications via the single conduit and displaying the results to the customer.