Enriched financial transaction records

Patent metadata

Field	Value
Publication number	US-2015242961-A1
Application number	US-201414189530-A
Country	US
Kind code	A1
Filing date	Feb 25, 2014
Priority date	Feb 25, 2014
Publication date	Aug 27, 2015
Grant date	—

Abstract

Example systems and methods of providing enriched financial transaction records are described. In one implementation, a method identifies a financial transaction record that describes a financial transaction associated with a financial institution. The method accesses metadata that has a relationship to the financial transaction and is not structured as a financial transaction record. The metadata is associated with the financial transaction record.

First claim

1 . A method comprising:
identifying a financial transaction record that describes a financial transaction associated with a financial institution; accessing, using one or more processors, metadata having a relationship to the financial transaction from a data source external to the financial institution, wherein the metadata is not structured as a financial transaction record; associating the metadata with the financial transaction record; and storing the association between the metadata and the financial transaction record.

2 . The method of claim 1 , further comprising defining, using the one or more processors, an event based on the metadata associated with the financial transaction.

3 . The method of claim 2 , further comprising:
identifying a second financial transaction having similar associated metadata; and associating the second financial transaction with the event.

4 . The method of claim 1 , wherein the metadata includes at least one of social media data, calendar data, email data, geographic location data, event data, transaction time data, transaction date data, and merchant data.

5 . The method of claim 1 , wherein the accessing metadata includes accessing social media data from a social media processing module.

6 . The method of claim 1 , wherein the accessing metadata includes accessing calendar data from a calendar processing module.

7 . The method of claim 1 , wherein the accessing metadata includes accessing email data from an email processing module.

8 . The method of claim 1 , wherein the accessing metadata includes:
accessing social media data associated with the financial transaction; accessing calendar data associated with the financial transaction; accessing email data associated with the financial transaction; and accessing merchant data associated with the financial transaction.

9 . The method of claim 1 , further comprising reformatting the metadata structure prior to associating the metadata with the financial transaction record.

10 . A method of claim 1 , further comprising:
receiving a query from a user to identify a particular financial transaction associated with the financial institution; identifying a plurality of financial transaction records; accessing metadata associated with at least a portion of the plurality of financial transaction records; and analyzing the query and the metadata to identify the particular financial transaction.

11 . The method of claim 10 , further comprising:
generating a natural language response to the query that identifies the particular financial transaction; and communicating the response to the user.

12 . The method of claim 10 , wherein the query is a natural language query.

13 . The method of claim 1 , further comprising:
identifying a transaction date in the metadata associated with the financial transaction record; accessing transaction date data associated with a plurality of financial transactions of the financial institution; and identifying additional financial transactions having transaction dates that match the date in the metadata associated with the financial transaction record.

14 . The method of claim 13 , further comprising creating a transaction group that includes the financial transactions having transaction dates that match the date in the metadata associated with the financial transaction record.

15 . The method of claim 1 , further comprising:
identifying merchant data in the metadata associated with the financial transaction record; accessing merchant data associated with a plurality of financial transactions of the financial institution; and identifying additional financial transactions having merchant data that matches the merchant data in the metadata associated with the financial transaction record.

16 . The method of claim 15 , wherein the merchant data includes at least one of a merchant name, a merchant location, a merchant address, a merchant phone number, and a merchant web site.

17 . The method of claim 15 , further comprising creating a transaction group that includes the financial transactions having merchant data that matches the merchant data in the metadata associated with the financial transaction record.

18 . A method comprising:
receiving a query to identify financial transactions that occurred within a geographic area; identifying a plurality of financial transaction records; accessing, using one or more processors, metadata associated with the plurality of financial transaction records, wherein the metadata is not structured as a financial transaction record; analyzing, using the one or more processors, the metadata associated with the plurality of financial transaction records to identify at least one financial transaction that occurred within the geographic area; and generating a response to the query that identifies the at least one financial transaction that occurred within the geographic area.

19 . The method of claim 18 , wherein the query is a natural language query.

20 . An apparatus comprising:
a memory to store data associated with a plurality of financial transactions; and one or more processors coupled to the memory, the one or more processors configured to:
identify a financial transaction record that describes a financial transaction associated with a financial institution;
access metadata having a relationship to the financial transaction from a data source external to the financial institution, wherein the metadata is not structured as a financial transaction record;
associate the metadata with the financial transaction record; and
record the association between the metadata and the financial transaction record.

Assignees

• Stanford Res Inst Int

Inventors

• Caskey Sasha
• Gorelov Zor
• Oren Dror
• Mark William

Classifications

• G06Q40/12 Primary

  Accounting · CPC title