发明名称 |
Methods and systems for providing a best price guarantee |
摘要 |
A financial institution can provide a best price guarantee to debit or credit card account holders. By providing a consolidated system including automatic price monitoring of purchased products and automatic claim form generation upon identifying a lower price, the consumer is relieved of the burden typically associated with conventional price matching. An exemplary method comprises receiving, by a server, purchase information from a financial customer, wherein the purchase information comprises a purchase price and purchased product description and wherein the customer has a credit or debit card issued by the financial institution; storing, by the server, the purchase information in a first database; locating, by the server, from a second database, stored product information corresponding to the received purchased product description, wherein the stored product information comprises a lowest price datum; comparing, by the server, the lowest price datum to the purchase price; and, if the lowest price datum is less than the purchase price, generating a claim form for the financial customer. |
申请公布号 |
US9105022(B1) |
申请公布日期 |
2015.08.11 |
申请号 |
US201012795746 |
申请日期 |
2010.06.08 |
申请人 |
Citibank, N.A. |
发明人 |
Sharma Neeraj;Tankha Ateesh;Merola Anthony |
分类号 |
G06Q20/00;G06Q20/20 |
主分类号 |
G06Q20/00 |
代理机构 |
Dentons US LLP |
代理人 |
Sophir Eric L.;Dentons US LLP |
主权项 |
1. A computer-implemented method for a financial institution to provide a best price guarantee to customers, the method comprising:
receiving, by a server of the financial institution, purchase information from a financial customer who completed a transaction to purchase a product using a credit or debit card issued by the financial institution, wherein the purchase information comprises a purchase price and purchased product description of the purchased product and an identifier of the financial customer's credit or debit card issued by the financial institution; storing, by the server, the purchase information in a first database; locating, by the server, from a second database, stored product information corresponding to the received purchased product description from a completed product purchase transaction,
wherein the stored product information comprises a lowest price datum; tracking, by the server, the lowest price datum within a predetermined time period from the purchase of the product; comparing, by the server, the lowest price datum to the purchase price; and when a difference between the lowest price datum and the purchase price of the completed product purchase transaction is greater than a predetermined amount and within the predetermined time period from the purchase of the product, generating a claim form for the financial customer based on the difference between the lowest price datum and the purchase price for issuing a payment to the financial customer. |
地址 |
New York NY US |