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AssigneeBank of America Corporation
InventorsHood QAIM-MAQAMI, Pavan CHAYANAM, Rick KNAFELZ
Estimating the term…
Devices, methods and computer program are defined that provide recommendations to users based on the user's personal financial management information and a benefit to the user. The personal financial management information may include a snapshot of the user's accounts, a timeline of the user's accounts, or a cash flow of the user's accounts. The benefit can be a financial benefit, such as a lower interest rate, or a non-financial benefit, such as an improved return policy. In a further embodiment, the recommendation is determined by crowdsourcing using a cohort of financial institution customers that share some characteristics with the user. As a result the user makes informed decisions on which payment type to use or other change for a future transaction at the merchant.
A device configured for providing a recommendation for a future occurrence of a transaction, the device comprising:
A method for providing a recommendation for a future occurrence of a transaction, the method comprising:
A computer program product for providing a recommendation for a future occurrence of a transaction, the computer program product comprising a non-transitory computer-readable medium comprising:
Dependencies are inferred from the claim text.