| 摘要 |
<p>Apparatus and methods for providing an Internet site serving as a secure, electronic vault, repository or file cabinet for consumer's transaction records, legal documents, insurance policies and other secure information that consumers may wish to store on a website. This storage, provides commerce services that save the consumer time. In various embodiments, the invention is as follows: participating merchants send transactions records to the Internet site for viewing from the consumer website. To view the electronic record, the consumer visits the site, identifies himself and selects the record they wish to view. The consumer may search for a particular record using multiple criteria and view an image of the record. Once the record is selected, the consumer may download data related to the record personal-finance programs. This saves time for consumers tracking personal spending or creating expense reports. As transactions are identified and viewed, the website displays advertisements to the consumer, targeted, based upon consumer demographics, stated preferences, purchasing history or other methods.</p> |
