Abstract: A method and system for providing consumer defined coupons includes a process for providing consumer defined coupons whereby a consumer proposes/defines the parameters or “terms” of a proposed coupon and/or marketing offer that the consumer feels would compel the consumer to purchase a product and/or service, shop at a defined store, or perform some other defined action. The consumer defined coupon terms are then provided to a potential coupon provider. The potential coupon provider is then provided the opportunity to review the consumer defined coupon terms. The potential coupon provider is then provided the opportunity to accept the consumer defined coupon terms, reject the consumer defined coupon terms, and/or propose alternative coupon terms. If the potential coupon provider accepts the consumer defined coupon terms, a coupon is then created and provided to the consumer.

Abstract: A method and system for providing sellers access to desirable consumers includes a process for providing sellers access to desirable consumers whereby financial transaction data for various consumers is obtained from one or more sources using a computing system implemented financial management system. The consumers' financial transaction data is then used by a provider of marketing and advertising tools to categorize consumers. Sellers are then charged for access to the consumers based on the consumer's category and/or historical financial transaction data and/or based on the consumer's eventual business with the seller as indicated by monitoring the consumers' financial transaction data.

Abstract: A method and system for deriving a consumer's shopping habits includes a process for deriving a consumer's shopping habits whereby data representing financial transactions conducted by a given consumer using one of more payment methods is obtained. Payee identification data for the payees associated with the financial transactions is then obtained/derived from the financial transactions data. The payees' identification data is then analyzed to determine each payee's geographic location. The data representing the geographic location of the various payees is then aggregated, mapped, and analyzed to derive a geographical shopping area for the consumer, i.e., to determine where the consumer does a significant amount of his or her shopping.

Abstract: A method and system for detecting and categorizing recurring income whereby financial transaction data associated with a given user is obtained from one or more sources. One or more income identification parameters are defined. The given user identifies one or more deposit transactions included in the financial transaction data as an income transaction. The one or more income identification parameter values associated with one or more unidentified deposit transactions are then compared with the income identification parameter values associated with the user identified income transactions. Any of one or more unidentified deposit transactions having income identification parameter values the same as, or sufficiently similar to, the income identification parameter values associated with the user identified income transactions are then categorized as identified income transactions of the same type, and/or as being from the same given payor/income source, as the user identified income transactions.

Abstract: Financial data associated with one or more “contributing consumers” is obtained. The financial data is then aggregated, analyzed, and/or categorized, according to one or more events and one or more criteria/parameters associated with the financial transaction data and/or the contributing consumer. The aggregated and/or categorized data is then stored. A “user consumer” then initiates a request for predictive event cost data associated with one or more specified events and the aggregated and/or categorized data representing the event related changes in the financial data is searched based. Results data representing the changes in the financial data for one or more similarly situated contributing consumers associated the specified event is then obtained and presented to the user consumer.

Abstract: A system and method for predictive bill estimation includes a process for predictive bill estimation whereby financial data associated with one or more “contributing consumers” is obtained from one or more sources. The financial data obtained from the one or more contributing consumers is then aggregated, analyzed, and/or categorized, according to one or more criteria/parameters associated with the financial transaction data and/or the contributing consumer. The aggregated and/or categorized financial data is then stored. A user consumer then initiates a request for cost/bill data associated with a given area and/or event. The aggregated and/or categorized financial data obtained from one or more contributing consumers is then searched based on one or more search parameters and results data representing multiple financial transactions and/or purchases associated the specified area and/or event is obtained.

Abstract: A method and system for providing intelligent targeted budget analysis and recommendations based on financial data from similarly situated individuals whereby financial data associated with multiple individuals is obtained and analyzed to identify financial profile elements associated with each individual. Data indicating the financial profile elements associated with the each of the individuals is stored in a financial profile database. The financial data associated with a given individual is then also obtained and analyzed to identify financial profile elements associated with the given individual. The financial profile elements associated with the given individual are then used to search the financial profile database to find one or more individuals that are financial peers of the given individual.

Abstract: A method and apparatus for automatically soliciting business reviews includes a process for automatically soliciting business reviews whereby searches made, and/or reviews submitted, by individuals using a community based business listing and review system are monitored and user specific usage data is collected including: the user's identification; the business listing category in which a search was conducted and/or the business listing category in which a review was submitted by the user; and the community in which the user resides, and/or the community in which the search was made, and/or the community in which the business reviewed resides. Once user specific usage data about the user, and the searches the user conducts and/or the reviews the user has submitted, is gathered, the user specific usage data is then used to create user specific review solicitations of various types.

Abstract: Financial data associated with one or more “contributing consumers” is obtained from one or more sources. The financial data obtained from the one or more contributing consumers is then aggregated, analyzed, and/or categorized, according to one or more events causing the changes and one or more criteria/parameters associated with the financial transaction data and/or the contributing consumer. The aggregated and/or categorized data representing the event related changes in the financial data is then stored. A “user consumer” then initiates a request for predictive event cost data associated with one or more specified events and the aggregated and/or categorized data representing the event related changes in the financial data is searched based. Results data representing the changes in the financial data for one or more similarly situated contributing consumers associated the specified event is then obtained and presented to the user consumer.

Abstract: Financial data associated with one or more “contributing consumers” is obtained from one or more sources and categorized and associated with a specific expense/income category. One or more attributes associated with the contributing consumers are then identified and used to analyze, aggregate, and categorize the financial data according to the attributes. Data representing a user financial transaction is then obtained for categorization and one or more specific user attributes associated with the user are identified. The user financial transaction is then categorized based, at least in part, on the categorization of similar contributing consumer financial transactions by contributing consumers having at least one of the specific user attributes.

Abstract: A method and system for providing relevant search results using financial data includes a process for providing relevant search results using financial data whereby a user's financial transaction data is obtained from one or more sources. A user then initiates a network search using one or more network search parameters such as one or more keywords and/or phrases. The scope of the one or more network search parameters, and therefore the scope of the network search, are then determined and/or modified based, at least in part, on the user's financial data.

Abstract: A method and system for identifying business managing consumers includes a process for identifying business managing consumers whereby financial transaction data for various consumers is obtained from one or more sources using a computing system implemented financial management system. The consumers' financial transaction data is then analyzed to identify financial transactions typically associated with ownership and/or management of a business, i.e., business management related transactions. If more than a defined threshold number of business management related transactions associated with a given consumer are identified, that consumer is categorized as a business managing consumer. Sellers of business related products and/or service are then given access to the identified business managing consumers for promoting their various business related products and services.

Abstract: A method and system for providing sellers access to desirable consumers includes a process for providing sellers access to desirable consumers whereby financial transaction data for various consumers is obtained from one or more sources using a computing system implemented financial management system. The consumers' financial transaction data is then used by a provider of marketing and advertising tools to categorize consumers. Sellers are then charged for access to the consumers based on the consumer's category and/or historical financial transaction data and/or based on the consumer's eventual business with the seller as indicated by monitoring the consumers' financial transaction data.

Abstract: A method and system for providing relevant coupons includes a process for providing relevant coupons whereby a consumer's financial transaction data is obtained from one or more sources using a computing system implemented financial management system. The consumer is provided one or more financial transaction based coupons based, at least in part, on the consumer's financial transaction data. The financial transaction based coupons are then stored in a financial transaction based coupon database in an account and/or location associated with the consumer. When the consumer is viewing a given website, data about the website being viewed is then used to search the financial transaction based coupon database to attempt to find one or more financial transaction based coupons relevant to the website the consumer is currently viewing.

Abstract: A method and system for providing coupons to select consumers includes a process for providing coupons to select consumers whereby a coupon provider defines one or more coupon eligibility criterion that must be met by a consumer in order for the consumer to be eligible to receive one or more coupons. Access to data representing the one or more coupon eligibility criterion is then provided. A consumer's financial data is then obtained from one or more sources using a computing system implemented financial management system. In one embodiment, using the consumer's financial data and the data representing the one or more coupon eligibility criterion, one or more coupons are identified that the consumer is eligible to receive. In one embodiment, the consumer is then provided access to the one or more coupons identified that the consumer is eligible to receive.

Abstract: A method and system for providing consumer defined coupons includes a process for providing consumer defined coupons whereby a consumer proposes/defines the parameters or “terms” of a proposed coupon and/or marketing offer that the consumer feels would compel the consumer to purchase a product and/or service, shop at a defined store, or perform some other defined action. The consumer defined coupon terms are then provided to a potential coupon provider. The potential coupon provider is then provided the opportunity to review the consumer defined coupon terms. The potential coupon provider is then provided the opportunity to accept the consumer defined coupon terms, reject the consumer defined coupon terms, and/or propose alternative coupon terms. If the potential coupon provider accepts the consumer defined coupon terms, a coupon is then created and provided to the consumer.