US Patent 12125062 Automated debundling and categorization of purchases

A bot automatically compiles transaction information for a consumer from merchants that sell products in various categories and merchants that sell products in only a single category. The bot categorizes the consumer's purchases from the merchants and determines percentages of consumer spending in each category. The bot may obtain a category for purchases from merchants selling a single category of items based on a merchant identifier such as a merchant code. For other merchants, the bot may obtain category information from the merchant or from an analysis of a category code, or a product or service description or identifier. The categories and percentages of the consumer's purchases may be provided by the bot to the consumer or to a third party. The bot may provide special offers and promotions to a consumer based on the compiled category information and percentage spending by the consumer by category.