US 9,811,810 B1
Purchase data transmission and analysis system
Satyan Ranganath, Landenberg, PA (US); William F. Mann, Avondale, PA (US); Sean H. Murray, West Chester, PA (US); and Allison Anne Keevil, West Grove, PA (US)
Assigned to JPMorgan Chase Bank, N.A., New York, NY (US)
Filed by JPMorgan Chase Bank, N.A., New York, NY (US)
Filed on Mar. 12, 2013, as Appl. No. 13/795,147.
Application 13/795,147 is a continuation in part of application No. 13/165,929, filed on Jun. 22, 2011.
Claims priority of provisional application 61/666,053, filed on Jun. 29, 2012.
Int. Cl. G06Q 40/00 (2012.01); G06Q 20/04 (2012.01)
CPC G06Q 20/0453 (2013.01) 24 Claims
OG exemplary drawing
 
1. A purchase data transmission and analysis system for facilitating purchase data capture and analysis, the system operating over the Internet and in conjunction with a user device and a merchant computing system, the system comprising:
at least one computer memory storing instructions and data;
a data management server, the data management server including a data capture system and a data transmission system, the data capture system operating in association with the merchant computing system and storing purchase data acquired by the merchant computing system during a purchase transaction in the at least one computer memory and establishing a URL for each purchase transaction, the URL providing access to the stored purchase data; the data transmission system transmitting a bank card authorization stream including the URL in a discretionary field of the authorization stream;
a banking system receiving the bank card transaction authorization stream including the URL originating from the data transmission system associated with the merchant computing system, the URL received in the discretionary field in the authorization stream for the bank card purchase transaction;
a data analysis and presentation computing system accessible to the banking system, the data analysis and presentation system retrieving information over a network at a location referenced by the URL, wherein the information includes a merchant identifier and line item data related to a purchase, the data analysis and presentation computing system attaching the retrieved information to the transaction authorization stream to create a complete description of the transaction, analyzing the complete description of the transaction and creating at least one customer interface for the customer and at least one merchant interface for the merchant based on the analysis.