Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to verify ownership information and maintenance/service information of a product. In one embodiment, a system is configured to: identify and retrieve electronic communications between a merchant and a customer associated with a transaction; determine ownership information and maintenance/service information of the product from the electronic communication; and generate a profile for the product based on the ownership information and maintenance and service information.

Abstract: Disclosed is an aggregation computing system and associated method for providing warranty, safety, and/or insurance notifications to a customer.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to augment data in a customer's online banking application. As such, present a customer with viewable purchase transaction data alongside online banking data, which allows a customer to view all customer transactions irrespective of payment means within a single online banking application. The invention identifies and retrieves electronic communications between a merchant and a customer associated with a transaction (such as e-receipts). Subsequently, the invention integrates the e-receipt data into the customer's online banking application for a holistic customer transaction view.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing offers based on electronic receipt data. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer regarding a transaction, where the purchase transaction data includes product level data from a transaction; receive the identified purchase transaction data, wherein the purchase transaction data is received in an unstructured format; convert the purchase transaction data from the unstructured format to a structured format; associate the structured purchase transaction data with the customer's online banking application; identify an offer associated with one or more products purchased by the customer; and provide the customer the offer based at least partially on the customers purchase transaction data.

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for understanding past transactions based on purchase history. In some embodiments, an apparatus is configured to receive a request from a customer associated with a financial institution account; retrieve information associated with the request from a structured financial account database; and provide a recommendation to the customer based on the request and the information retrieved.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing product evaluation. An exemplary apparatus is configured to identify purchase transaction data associated with identified electronic communications between a merchant and a customer, the purchase transaction data includes product level data from a transaction, receive the identified purchase transaction data, the purchase transaction data is received in an unstructured format, convert the purchase transaction data from the unstructured format to a structured format, associate the structured purchase transaction data with the customer's online banking application, aggregate purchase transaction data related to one or more products purchased by the customer, determine one or more products are purchased on a recurring basis, and provide the customer with one or more options based at least partially on determining the one or more products are purchased on a recurring basis.

Abstract: Embodiments of the invention are directed to a system, method, or computer program product for utilizing e-receipt data and other electronic communication data between a merchant and customer regarding a transaction to provide misappropriation protection based on address and/or merchant store information associated with the e-receipt or other e-communication. In one embodiment, a system is configured to: determine a purchase price paid for the product and costs associated with the product based on purchase transaction data; and determine an estimated total cost of ownership of the product based on the purchase price of the product and the costs associated with the product.

Abstract: Embodiments related to tracking consumer consumption for purchased items are included in systems that receive e-receipt data, including stack keeping unit (SKU) level data from a customer and compare the e-receipt data with transaction data. The systems identify transactions associated with one or more customer goals based on the SKU level data and calculate a first quantity of consumption for each of the identified transactions.

Abstract: Embodiments of the invention are directed to apparatus, methods, and computer program products for using transaction history to incentivize the use of a financial institution bank card. In some embodiments, an apparatus is configured to receive an information associated with a transaction history from a structured database associated with a customer's financial institution account, wherein the information is a recurring periodic payment; identify a first payment type associated with the information received, wherein the first payment type is not associated with the financial institution; and provide an incentive to the customer to use a second payment type instead of the first payment type, wherein the second payment type is associated with the financial institution.

Abstract: Embodiments of the invention provide for monitoring transactions and providing related savings metrics in association with a financial institution-based merchant offer program. Since the transaction monitoring occurs at the financial institution level, the savings metrics may include savings amounts lost by conducting a transaction absent a merchant offer when an applicable merchant offer was available.

Abstract: According to an embodiment, a payment is processed. It is determined that a user should receive a payment. A user identifier associated with the user is received. The user identifier allows the user to receive communications. The user identifier does not comprise information regarding any financial account of the user. Whether the user identifier is registered with an account server operable to maintain associations between user identifers and financial accounts is determined. The user is requested to register the user identifier with the account server if the user identifier is not registered with the account server. Transfer of the payment is facilitated by a selected one of a transfer to a financial account associated with the user identifier and issuance of the payment by an alternative mechanism according to whether the user identifier is registered with the account server.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for providing a system for a peer-to-peer transfer of funds for a specified purpose. An exemplary apparatus is configured to: receive information from a user relating to a peer-to-peer transfer of funds, wherein the information comprises a recipient and a specified use; identify at least one recipient account for the recipient; receive information associated with a transaction; determine the transaction qualifies for the specified use; and apply funds associated with the peer-to-peer transfer to the transaction. The specified purpose may be use at a specific merchant, use to purchase a specific product, or other types of specified uses. Computer program products and methods are also provided.

Abstract: A virtual gift credit system that automatically attaches gift credit to a payment account or vehicle of the gift recipient upon issuance of the gift credit is herein described. By attaching the gift credit amount to the recipient's payment account, subsequent purchases made using the payment account, and of the type associated with the gift credit, are automatically settled by applying the gift credit amount to the purchase amount. Further, the invention does not require gift recipients to share confidential account information with gift providers in order for the gift providers to bestow gift credit upon the gift recipients. Through the use of aliases, which serve to tie an identifier, such as a gift recipient's telephone number, email address or the like to a gift recipient's payment account, the invention does not require that the gift provider know any information about the financial accounts of the intended gift recipient.

Abstract: A virtual gift credit system that automatically attaches gift credit to a payment account or vehicle of the gift recipient upon issuance of the gift credit is herein described. By attaching the gift credit amount to the recipient's payment account, subsequent purchases made using the payment account, and of the type associated with the gift credit, are automatically settled by applying the gift credit amount to the purchase amount. Further, the invention does not require gift recipients to share confidential account information with gift providers in order for the gift providers to bestow gift credit upon the gift recipients. Through the use of aliases, which serve to tie an identifier, such as a gift recipient's telephone number, email address or the like to a gift recipient's payment account, the invention does not require that the gift provider know any information about the financial accounts of the intended gift recipient.

Abstract: Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors, such as speed factors, quality factors, cost factors, and/or priority factors. Users sometimes desire to remotely transfer funds from their account (i.e., payor account) to a payee, but are ambivalent as to the delivery mechanism their financial institution uses to perform the transfer. Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner.

Abstract: Systems, apparatuses, and methods are illustrated for enhancing the transfer of funds. Aspects of the disclosure relate to enhancing the transfer of funds using a plurality of factors/controls, such as speed, quality, cost, priority, and/or volume. The volume controls may be configured with minimum and maximum values and configured to override other factors (e.g., cost, quality, etc.) Systems and methods are disclosed to assist in selecting delivery mechanism to transfer funds in an enhanced manner.

Abstract: Aspects of the disclosure relate to enhancing the transfer of funds involving particular payee-payors. Users sometimes desire to remotely transfer funds from their account (i.e., payor account) to a payee, but are ambivalent as to the delivery mechanism their financial institution uses to perform the transfer. Systems and methods are disclosed that relate to using a routing engine to assist in transferring funds in an enhanced manner.