TOOLS FOR RELATING FINANCIAL AND NON-FINANCIAL INTERESTS

• US 20100100424A1
• Filed: 07/31/2009
• Published: 04/22/2010
• Est. Priority Date: 10/16/2008
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Buchanan, James Brooks, Brennan, Timothy Adam, Richardson, Julia Claire, Daun, Susan Claire, Corvo, Rosie Susan, Phillips, Gregory S., Jameson, Crispin Alexander Conrad, Wood, Paul Robert, Pratt, Mark Colin
• Application Number:
  US12/533,273
• Publication Number:
  US 20100100424A1
• Time in Patent Office: Days
• US Class Current: 705/10
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0255 based on user history
• 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: G07F 19/201 Accessories of ATMs

Abstract

Embodiments of the invention provide an apparatus having processor configured to: (a) provide a user with access to the user'"'"'s financial account via a graphical user interface; (b) determine user preferences based at least partially on the user'"'"'s financial information; and (c) provide non-financial content to the user via the graphical user interface and based at least partially on the user preferences. In one embodiment, the processor is configured to determine user preferences by determining trends in the user'"'"'s financial information. In one embodiment, the processor is configured to determine user preferences by distinguishing between user financial transactions that are regular and user financial transactions that are ad hoc.

Claims

1. An apparatus comprising:

a processor configured to;

provide a user with access to the user'"'"'s financial account via a graphical user interface;

determine user preferences based at least partially on the user'"'"'s financial information; and

provide non-financial content to the user via the graphical user interface and based at least partially on the user preferences.

2. The apparatus of claim 1, wherein the processor is configured to obtain the user'"'"'s financial information at least partially from the user'"'"'s financial account.

3. The apparatus of claim 1, wherein the processor is configured to obtain the user'"'"'s information at least partially by screen scraping from one or more other financial accounts of the user.

4. The apparatus of claim 1, wherein the processor is configured to determine user preferences by determining trends in the user'"'"'s financial information.

5. The apparatus of claim 1, wherein the processor is configured to determine user preferences by distinguishing between user financial transactions that are regular and user financial transactions that are ad hoc.

6. The apparatus of claim 1, wherein the non-financial content comprises product offers or advertisements.

7. The apparatus of claim 1, wherein the non-financial content comprises web-based articles.

8. The apparatus of claim 1, wherein the graphical user interface comprises a user homepage that is customizable by the user and includes links to one or more financial tools and one or more non-financial pages.

9. The apparatus of claim 8, wherein the non-financial pages comprise the non-financial content.

10. The apparatus of claim 8, wherein the one or more non-financial pages comprise one or more pages directed to travel, sports, fashion, or entertainment.

11. An apparatus for integrating a user'"'"'s financial information with the user'"'"'s other lifestyle interests, the apparatus comprising:

a financial module configured to provide the user with information about the user'"'"'s financial interests; and

a lifestyle module configured to provide the user with customized information about non-financial interests based at least partially on the user'"'"'s financial interests.

12. The apparatus of claim 11, wherein the information about non-financial interests comprises product offers or advertisements.

13. The apparatus of claim 11, wherein the information about non-financial interests comprises online articles.

14. The apparatus of claim 11, the apparatus comprising a processor, wherein the processor is configured to obtain information about the user'"'"'s financial interests at least partially from screen scrapings from one or more other financial accounts of the user.

15. The apparatus of claim 11, the apparatus comprising a processor, wherein the processor is configured to determine trends in the user'"'"'s financial information, and wherein the processor is configured to provide the user with customized information about non-financial interests based at least partially on the trends in the user'"'"'s financial information.

16. The apparatus of claim 15, wherein the processor is configured to determine trends in the user'"'"'s financial information by distinguishing between user financial transactions that are regular and user financial transactions that are ad hoc.

17. The apparatus of claim 11, the apparatus comprising a processor, wherein the processor is configured to provide graphical user interface to the user, and wherein the graphical user interface comprises a user homepage that is customizable by the user and includes links to one or more financial tools and one or more non-financial pages.

18. The apparatus of claim 17, wherein the one or more non-financial pages comprise one or more pages directed to travel, sports, fashion, or entertainment.

19. An apparatus for providing an internet portal to a user, the internet portal configured to provide the user with access to the user'"'"'s financial account, wherein the internet portal is further configured to provide the user with information about products or online content based on the user'"'"'s use of the financial account.

20. A computer program product comprising a computer-readable medium, the computer-readable medium comprising computer-executable program code, wherein the computer-executable program code comprises:

a first executable portion configured to provide a user with access to the user'"'"'s financial account via a graphical user interface;

a second executable portion configured to determine user preferences based at least partially on the user'"'"'s financial information; and

a third executable portion configured to provide non-financial content to the user via the graphical user interface and based at least partially on the user preferences.

21. The computer program product of claim 20, wherein the non-financial content comprises web-based content.

22. The computer program product of claim 20, wherein the non-financial content comprises information about a product.

23. The computer program product of claim 22, wherein the information about a product comprises an advertisement or promotion.