Abstract: A system may perform steps such as receiving a bank card transaction authorization stream including a URL originating from the merchant computing system, the URL received in a discretionary field in the authorization stream for a bank card purchase. The system further perform the step of retrieving information at a location referenced by the URL, wherein the information includes at least a merchant identifier and line item data related to a purchase. The system may additionally attaching the retrieved data to the transaction to create a complete description of the transaction analyze the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

Abstract: Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity.

Abstract: Systems and methods are disclosed for providing alerts to one or more customers at an optimized time and communication channel based on at least customer preferences, transactions, activities, usage patterns, and other information; and for allowing customers to directly respond and communicate feedback to alerts that are provided to complete various account actions, including to “snooze” one or more alerts.

Abstract: A system may perform steps such as receiving a bank card transaction authorization stream including a URL originating from the merchant computing system, the URL received in a discretionary field in the authorization stream for a bank card purchase. The system further perform the step of retrieving information at a location referenced by the URL, wherein the information includes at least a merchant identifier and line item data related to a purchase. The system may additionally attaching the retrieved data to the transaction to create a complete description of the transaction analyze the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating banking transactions. The system may include a computer memory storing a plurality of banking application programs and an interactive virtual environment generator for generating an interactive virtual banking environment, the environment including visual and audio components. The system may additionally include a user input sensing mechanism for accepting and interpreting user voice input received in the interactive virtual banking environment and computer processing components for accessing the stored banking application programs and executing the stored banking programs within the generated interactive virtual banking environment enabling the user to perform banking tasks through voice input to the interactive virtual banking environment.

Abstract: A system may perform steps such as receiving a bank card transaction authorization stream including a URL originating from the merchant computing system, the URL received in a discretionary field in the authorization stream for a bank card purchase. The system further perform the step of retrieving information at a location referenced by the URL, wherein the information includes at least a merchant identifier and line item data related to a purchase. The system may additionally attaching the retrieved data to the transaction to create a complete description of the transaction analyze the complete description of the transaction for creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating banking transactions. The system may include a computer memory storing a plurality of banking application programs and an interactive virtual environment generator for generating an interactive virtual banking environment, the environment including visual and audio components. The system may additionally include a user input sensing mechanism for accepting and interpreting user voice input received in the interactive virtual banking environment and computer processing components for accessing the stored banking application programs and executing the stored banking programs within the generated interactive virtual banking environment enabling the user to perform banking tasks through voice input to the interactive virtual banking environment.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating banking transactions. The system may include a computer memory storing a plurality of banking application programs and an interactive virtual environment generator for generating an interactive virtual banking environment, the environment including visual and audio components. The system may additionally include a user input sensing mechanism for accepting and interpreting user voice input received in the interactive virtual banking environment and computer processing components for accessing the stored banking application programs and executing the stored banking programs within the generated interactive virtual banking environment enabling the user to perform banking tasks through voice input to the interactive virtual banking environment.

Abstract: Embodiments of the invention are directed to a computer-implemented expense splitting method and system for allowing a payer to divide expenses among multiple purchasers. The method may include storing, in at least one computer memory, payer data and expense splitting instructions and accessing the computer memory with at least one computer processor and executing the instructions to perform multiple steps. The steps may include converting a captured receipt image to purchase data and providing a user interface displaying entries corresponding to purchases, and further providing a tagging option for tagging each of the entries with an indicator of at least one purchaser identity.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive virtual banking system and method for connecting a user environment with a banking environment for facilitating banking transactions. The system may include a computer memory storing a plurality of banking application programs and an interactive virtual environment generator for generating an interactive virtual banking environment, the environment including visual and audio components. The system may additionally include a user input sensing mechanism for accepting and interpreting user voice input received in the interactive virtual banking environment and computer processing components for accessing the stored banking application programs and executing the stored banking programs within the generated interactive virtual banking environment enabling the user to perform banking tasks through voice input to the interactive virtual banking environment.

Abstract: Systems and methods are disclosed for providing alerts to one or more customers at an optimized time and communication channel based on at least customer preferences, transactions, activities, usage patterns, and other information; and for allowing customers to directly respond and communicate feedback to alerts that are provided to complete various account actions, including to “snooze” one or more alerts.