SYSTEMS AND METHODS FOR PROVIDING PERSONALIZED RECOMMENDATIONS OF PRODUCTS AND SERVICES BASED ON EXPLICIT AND IMPLICIT USER DATA AND FEEDBACK
First Claim
Patent Images
1. A method comprising:
- fetching financial product data from one or more financial institutions;
retrieving user information from one or more databases configured to store the user information;
retrieving user financial information from one or more databases configured to store the user financial information;
determining user feedback by analyzing the user financial information;
recommending one or more vendors or one or more financial products in response to at least a portion of the product data, user information, user financial information, or user feedback, or combinations thereof.
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Abstract
The present describes systems and methods to support personal financial management by recommending financial products and services responsive to a user'"'"'s particular financial health or situation based on explicit and implicit user data and feedback.
400 Citations
63 Claims
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1. A method comprising:
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fetching financial product data from one or more financial institutions; retrieving user information from one or more databases configured to store the user information; retrieving user financial information from one or more databases configured to store the user financial information; determining user feedback by analyzing the user financial information; recommending one or more vendors or one or more financial products in response to at least a portion of the product data, user information, user financial information, or user feedback, or combinations thereof. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. An apparatus, comprising:
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means for fetching financial product data from one or more financial institutions; means for retrieving user information from one or more databases configured to store the user information; means for retrieving user financial information from one or more databases configured to store the user financial information; means for determining user feedback by analyzing the user financial information; means for recommending one or more vendors or one or more financial products in response to at least a portion of the product data, user information, user financial information, or user feedback. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50)
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51. A system, comprising:
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one or more databases each configured to store at least a portion of financial product data associated with one or more financial products, at least a portion of personal information, personal financial information, or personal feedback associated with one or more users, or at least a portion of one or more correlations between the financial product data, or personal information, personal financial information, or personal feedback of the one or more users; one or more worker computing devices each configured to execute instructions stored in the one or more databases associated with; a fetching module configured to fetch, from one or more financial institutions, the financial product data associated with the one or more financial products or the personal financial information associated with the one or more users; a correlating module configured to determine the one or more correlations to identify one or more clusters of users; and a recommending module configured to recommend one or more vendors or one or more financial products in response to at least one of the one or more correlations between the one or more users or the one or more of the clusters of users. - View Dependent Claims (52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63)
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Specification