Financial management system and method with customizable user interface

• US 10,460,379 B1
• Filed: 09/12/2012
• Issued: 10/29/2019
• Est. Priority Date: 08/31/2009
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Diggdon, Andrew J., Maher, John, Moore, Karen Lynne, Lee, Yon Wing, McMahon, Brian Paul
• Primary Examiner(s): Sigmond, Bennett M
• Assistant Examiner(s): Hamerski, Bolko M
• Application Number:
  US13/612,673
• Time in Patent Office: 2,603 Days
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/085 involving remote charge determination or related payment systems
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A computer-implemented data processing system includes a data storage device and a processor and program logic stored in memory and executable by the processor. The program logic may include account management logic coupled to the data storage device to manage accounts respectively associated with a plurality of users, and interface logic coupled to the account management logic and the data storage device to connect the data processing system to computing systems associated with the plurality of users by way of the Internet, the interface logic providing the users with web access to an on-line banking area of a website of a financial institution, the interface logic further configured to establish a connection with one of the users and provide the user with a user interface. The user interface may be customizable based on inputs received from the user to provide selected ones of display modules.

Claims

1. A computer-implemented data processing system comprising:

a data storage device; and

a processor and program logic stored in memory and executable by the processor, the program logic including

account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device; and

interface logic coupled to the account management logic and the data storage device, the interface logic configured to;

connect the data processing system to computing systems associated with the plurality of users via the Internet;

provide the plurality of users with web access to an on-line banking area of a website of a financial institution;

establish a connection with one of the plurality of users;

identify a plurality of viewable display areas based on a plurality of factors, the plurality of factors including at least one of the types of accounts the user has open, the types of planning services the user is currently utilizing, an age of the user, and a debt of the user;

provide a customized user interface including the plurality of viewable display areas, the plurality of viewable display areas including a savings planning display area, a graphical spending summary display area, and a textual spending summary display area provided on a single page display, wherein each of the plurality of display areas has substantially the same peripheral size and shape on the customized user interface;

direct the user to additional information regarding at least one of the savings planning display area, the graphical spending summary display area, or the textual spending summary display area based on a second user input indicating a user selection of one of the plurality of display areas;

automatically arrange the relative positions of the plurality of viewable display areas on the single page display based on criteria associated with the user, the criteria associated with the user regarding at least one of the plurality of factors, account activity of the user, saving habits of the user and spending habits of the user;

rearrange the relative positions of the plurality of viewable display areas of the customized user interface, including the savings plan display area, the graphical spending display area, and the textual spending display area, based on the user selecting and moving selected ones of the plurality of viewable display areas in a drag and drop fashion.

2. The system of claim 1, wherein each of the plurality of display areas includes at least one link that is selectable to direct the user to additional details regarding the service associated with the respective display area.

3. The system of claim 1, wherein the plurality of display areas includes a budget analysis display area;

and

a cash flow display area.

4. The system of claim 3, wherein the user interface includes a summary of spending amounts for the user over a period of time,

wherein the budget analysis display area includes a comparison of budgeted cash flow amounts and actual cash flow amounts for a plurality of transaction categories over the period of time;

and

wherein the cash flow display area includes cash flow amounts and account balances over the period of time.

5. The system of claim 4, wherein the cash flow display area includes projected cash flow amounts and projected account balances through a future point in time.

6. The system of claim 3, wherein the plurality of display areas further includes at least one of:

a credit management display area;

a retirement planning display area;

an advice and guidance display area; and

a messages and rewards display area.

7. The system of claim 1, wherein at least one of the plurality of display areas includes a status bar that reflects a user'"'"'s progress regarding a financial goal, the financial goal associated with at least one of a savings goal and a debt payment goal.

8. The system of claim 1, wherein at least one of the plurality of display areas includes an alert that is provided based on at least one of a savings amount and a spending amount exceeding a user-configurable threshold.

9. The system of claim 1, wherein the plurality of display areas include information that is updated at least on a daily basis based on the account data stored in the data storage system.

10. A computer-implemented data processing system comprising:

a data storage device; and

a processor and program logic stored in memory and executable by the processor, the program logic including

account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device; and

interface logic coupled to the account management logic and the data storage device, the interface logic configured to;

connect the data processing system to computing systems associated with the plurality of users via the Internet;

provide the plurality of users with web access to an on-line banking area of a website of a financial institution;

establish a connection with one of the plurality of users;

identify a plurality of viewable display areas based on at least one of the types of accounts the user has open, the types of planning services the user is currently utilizing, an age of the user, and a debt of the user, at least some of the plurality of viewable display areas representing different services offered by the financial institution and including financial data for the user based on account data stored in the data storage device, wherein the plurality of viewable display areas includes a savings planning display area, a graphical spending summary display area, and a textual spending summary display area; and

provide a user interface including the plurality of display areas provided on a single display page, wherein each of the plurality of display areas has substantially the same peripheral size and shape on the customized user interface;

direct the user to additional information regarding at least one of the savings planning display area, the graphical spending summary display area, and the textual spending summary display area based on a second user input indicating a user selection of one of the plurality of display areas;

automatically arrange the relative positions of the plurality of viewable display areas on the single display page based on criteria associated with the user, the criteria associated with the user regarding at least one of the plurality of factors, account activity of the user, saving habits of the user and spending habits of the user;

rearrange the relative positions of the plurality of display areas of the customized user interface, including the savings plan display area, the graphical spending display area, and the textual spending display area, based on a user selecting and moving selected ones of the plurality of display areas in a drag and drop fashion.

11. The system of claim 10, wherein each of the plurality of display areas includes at least one link that is selectable to direct the user to additional details regarding the service associated with the respective display areas.

12. The system of claim 10, wherein the plurality of display areas includes

a budget analysis display area;

and

a cash flow display area.

13. The system of claim 12, wherein the user interface includes a summary of spending amounts for the user over a period of time,

wherein the budget analysis display area includes a comparison of budgeted cash flow amounts and actual cash flow amounts for a plurality of transaction categories over the period of time;

and

wherein the cash flow display area includes cash flow amounts and account balances over the period of time.

14. The system of claim 13, wherein the cash flow display area includes projected cash flow amounts and projected account balances through a future point in time.

15. The system of claim 10, wherein the plurality of display areas further includes

a credit management display area;

a retirement planning display area;

an advice and guidance display area; and

a messages and rewards display area.

16. The system of claim 10, wherein at least one of the display areas includes a status bar that reflects a user'"'"'s progress regarding a financial goal, the financial goal associated with at least one of a savings goal and a debt payment goal.

17. The system of claim 10, wherein at least one of the display areas includes an alert that is provided based on at least one of a savings amount and a spending amount exceeding a user-configurable threshold.

18. The system of claim 10, wherein plurality of display areas include information that is updated at least on a daily basis based on the account data stored in the data storage system.

19. A computer-implemented data processing system comprising:

a data storage device; and

a processor and program logic stored in memory and executable by the processor, the program logic including

account management logic coupled to the data storage device and configured to manage accounts respectively associated with a plurality of users, the account management logic including account processing logic configured to process transactions for the accounts and store account data related to the accounts in the data storage device; and

interface logic coupled to the account management logic and the data storage device, the interface logic configured to;

connect the data processing system to computing systems associated with the plurality of users via the Internet;

provide the plurality of users with web access to an on-line banking area of a website of a financial institution;

establish a connection with one of the plurality of users;

identify a plurality of viewable display areas based on at least one of the types of accounts the user has open, the types of planning services the user is currently utilizing, an age of the user, and a debt of the user, at least some of the plurality of viewable display areas representing different services offered by the financial institution and including financial data for the user based on account data stored in the data storage device, wherein the plurality of viewable display areas includes a savings planning display area, a graphical spending summary display area, and a textual spending summary display area selected;

provide a user interface including the plurality of viewable display areas provided on a single display page;

automatically arrange the relative positions of the plurality of viewable display areas on the single page display based on criteria associated with the user, the criteria associated with the user regarding at least one of the plurality of factors, account activity of the user, saving habits of the user and spending habits of the user; and

modify the relative locations of the plurality of viewable display areas provided on the single page display based on a second user input received from the user.