# US 2014/0207572 A1 · System and method for providing smart statements

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- Number: US 2014/0207572 A1
- Document ID: US20140207572A1
- Status: Published application
- Kind: A1
- Application number: 14/158,449
- Filed: 2014-01-17
- Published: 2014-07-24
- Earliest claimed: 2013-01-18
- Assignees: Capital One Financial Corporation
- Applicants: Capital One Financial Corporation
- Inventors: Thomas S. POOLE; Luke A. HAMMOCK; Janusz Michael NICZYPORUK
- Web page: https://patentgrep.com/patent/US20140207572A1

## CPC

- G06Q 30/0255: {based on user history}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Systems and methods for providing purchase driven financial statements include an account processor that receives account data associated with one or more financial accounts of the account holder and advertising data via a network; one or more databases that stores at least the received account data and the received advertising data; and a statement processor that creates a financial statement based at least in part on the account data and the advertising data, provides the financial statement to an account holder, and tracks the account holder's future account data based on the provided advertising data.

## Claims

### Claim 1

A system for providing an account holder with an purchase-data driven statement, comprising:
an account processor that receives account data associated with one or more financial accounts of the account holder and advertising data via a network;
one or more databases that stores at least the received account data and the received advertising data; and
a statement processor that creates a financial statement based at least in part on the account data and the advertising data, provides the financial statement to an account holder, and tracks the account holder's future account data based on the provided advertising data, wherein the future account data comprises purchase transaction information, wherein the statement processor tracks the account holder's future account data based on the provided advertising data by comparing the purchase transaction information with the received account data to determine whether the account holder has increased spending relative to a prior time period based on the advertising data.

### Claim 2 (depends on 1)

The system of claim 1, wherein the account processor receives product information associated with a purchase and the statement processor creates the financial statement based on the received product information.

### Claim 3 (depends on 2)

The system of claim 2, wherein the advertising data is based on the product information.

### Claim 4 (depends on 3)

The system of claim 3, wherein the advertising data includes an advertisement related to a product, and the statement processor determines whether the account holder purchased the product.

### Claim 5 (depends on 1)

The system of claim 1, wherein the financial statement is provided to a mobile device associated with the account holder via a network.

### Claim 6 (depends on 1)

The system of claim 1, wherein the account holder's future account data includes purchase transaction information.

### Claim 7 (depends on 1)

The system of claim 1, wherein the advertising is stored in a third-party database associated with a financial institution.

### Claim 8 (depends on 1)

The system of claim 1, wherein the financial statement is a paper statement that includes a printed coupon, and wherein the statement processor determines whether the printed coupon was redeemed.

### Claim 9 (depends on 1)

The system of claim 1, wherein the financial statement is a credit card statement.

### Claim 10 (depends on 1)

The system of claim 1, wherein the financial statement is a debit card statement.

### Claim 11

A method for providing an account holder with a purchase-data driven statement, comprising:
receiving account data associated with one or more financial accounts of the account holder via a network;
receiving advertising data via a network;
storing the account data in a database;
storing the advertising data in a database;
creating, one or more computer processors, a financial statement based at least in part on the account data and the advertising data;
providing, using one or more computer processors, the financial statement to the account holder; and
tracking, using one or more computer processors, the account holder's future account data based on the provided advertising data, wherein the future account data comprises purchase transaction information, wherein tracking the account holder's future account data based on the provided advertising data comprises comparing the purchase transaction information with the received account data to determine whether the account holder has increased spending relative to a prior time period based on the advertising data.

### Claim 12 (depends on 1)

The method of claim 1, further comprising:
receiving product information associated with a purchase; and
creating the financial statement based on the received product information.

### Claim 13 (depends on 12)

The method of claim 12, wherein the advertising data is based on the product information.

### Claim 14 (depends on 13)

The method of claim 13, wherein the advertising data includes an advertisement related to a product, and the method further comprises: determining whether the account holder purchased the product.

### Claim 15 (depends on 11)

The method of claim 11, further comprising:
providing the financial statement to a mobile device associated with the account holder via a network.

### Claim 16 (depends on 11)

The method of claim 11, wherein the account holder's future account data includes purchase transaction information.

### Claim 17 (depends on 11)

The method of claim 11, further comprising:
storing the advertising in a third-party database associated with a financial institution.

### Claim 18 (depends on 11)

The method of claim 11, wherein the financial statement is a paper statement that includes a printed coupon, and the method further comprises: determining whether the printed coupon was redeemed.

### Claim 19 (depends on 11)

The method of claim 11, wherein the financial statement is a credit card statement.

### Claim 20 (depends on 11)

The method of claim 11, wherein the financial statement is a debit card statement.

### Claim 21 (depends on 4)

The system of claim 4, wherein the purchase transaction information includes stock keeping unit level data related to a purchased product, wherein the statement processor determines whether the account holder purchased the product by comparing the stock keeping unit level data with the advertisement related to the product.

### Claim 22 (depends on 1)

The system of claim 1, wherein the statement processor creates the financial statement based on location data received from the a device associated with the account holder.

### Claim 23 (depends on 22)

The system of claim 22, wherein the financial statement includes an interactive map based at least in part on the location data, wherein the map includes one or more locations associated with the advertising data.