SYSTEMS AND METHODS FOR ADMINISTERING INVESTMENT PORTFOLIOS BASED ON INFORMATION CONSUMPTION

• US 20150095132A1
• Filed: 09/30/2014
• Published: 04/02/2015
• Est. Priority Date: 09/30/2013
• Status: Abandoned Application

• Current Assignee: Toronto-Dominion Bank
• Original Assignee: Toronto-Dominion Bank
• Inventors: VAN HEERDEN, Lauren, GLOBE, Michael E., AL-SAMADI, Mazin, NADARAJAH, Gunalan, DEL VECCHIO, Orin, SIVASHANMUGAM, Prabaharan, CUMMINGS, Michael D., LOUNSBURY, Edward, CHAN, Paul Mon-Wah, BARNETT, Jonathan K., METWALI, Ashraf, DANIELAK, Jakub
• Application Number:
  US14/502,407
• Publication Number:
  US 20150095132A1
• Time in Patent Office: Days
• US Class Current: 705/14.32
• CPC Class Codes: G06Q 30/0232 Frequent usage rewards other than merchandise, cash or travel
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

The disclosed embodiments include systems and methods for administering actual and virtual investment portfolios based on social media activities associated with and information consumed by one or more users. The disclosed embodiments may be configured to obtain digital activity data identifying an interaction between the user and one or more social networks, and further, one or more elements of electronic content accessed by the user. The disclosed embodiments may also be configured to identify a loyalty program associated with the user, and a geographic region associated with the user. The disclosed embodiments may also be configured to identify one or more first securities based on the digital activity data, an investment risk tolerance of the user, and at least one or the loyalty program or the geographic region, and to transmit information identifying a first set of the one or more first securities to a user device.

Claims

1. A system, comprising:

a storage device; and

at least one processor coupled to the storage device, the storage device storing software instructions for controlling the at least one processor when executed by the at least one processor, and the at least one processor being operative with the software instructions and configured to;

determine an investment risk tolerance of a user;

obtain program data identifying a first loyalty program associated with the user, the user being a participant in the first loyalty program;

obtain digital activity data associated with the user, the digital activity data including at least one of (i) first data indicative of an interaction between the user and a social network or (ii) second data indicative of elements of electronic content accessed by the user;

identify a plurality of first securities based on the digital activity data, the first loyalty program, and the investment risk tolerance; and

generate an electronic command to transmit information identifying a first set of the first securities to a device of the user.

2. The system of claim 1, wherein the at least one processor is further configured to transmit, to the first user device, information identifying an incentive to purchase the first set of the first securities, the incentive comprising at least one of a waiver of a purchase transaction fee or a reduction in a share price.

3. The system of claim 1, wherein the at least one processor is further configured to perform processes that purchase the first set of the first securities to create or modify an investment portfolio of the user.

4. The system of claim 3, wherein the at least one processor is further configured to:

identify a point balance associated with the first loyalty program; and

perform processes that increase the point balance by a value determined in accordance with a rule established by the first loyalty program.

5. The system of claim 3, wherein the at least one processor is further configured to:

identify, in response to the purchase of the first securities, a second loyalty program available to the first user, the second loyalty program being associated with an issuer of at least one of the first set of the first securities; and

generate a second electronic command to transmit information identifying the second loyalty program to the first user device.

6. The system of claim 3, wherein the at least one processor is further configured to:

in response to the purchase of the first securities, generate information identifying an incentive to purchase a product or service associated with an issuer of at least one of the first set of the first securities; and

generate a second electronic command to transmit the generated purchase incentive information to the first user device.

7. The system of claim 6, wherein the purchase incentive comprises a coupon.

8. The system of claim 3, wherein the at least one processor is further configured to:

determine whether the investment portfolio conforms to an investment goal of the user; and

perform operations that sell at least one of the purchased first securities, when the investment portfolio fails to conform to the investment goal,

the investment goal comprising at least one of a cash reserve, a ratio of debt securities to equity securities, or a limit on a value of the investment portfolio.

9. The system of claim 1, wherein the at least one processor is further configured to generate or modify at least one of a virtual investment portfolio or a watchlist for the first user, the at least one virtual investment portfolio or watchlist comprising a first simulated financial position in at least one of the first securities.

10. The system of claim 9, wherein the at least one processor is further configured to:

generate an incentive to purchase a product or service associated with an issuer of the at least one of the one or more first securities; and

generate a second electronic command to transmit the generated purchase incentive to the first user device.

11. The system of claim 10, wherein the purchase incentive comprises a coupon redeemable at a retailer.

12. The system of claim 10, wherein the at least one processor is further configured to:

identify a number of prior purchase incentives provided to the user device in a predetermined time period;

determine whether the identified number exceeds a threshold number; and

when the identified number is determined not to exceed the threshold value, generate the second electronic command to transmit the purchase incentive to the user device.

13. The system of claim 1, wherein the at least one processor is further configured to:

identify a first position in at least one of the first set of the first securities, the first position corresponding to an investment strategy for incorporating the first set of the first securities into at least one investment portfolio or watchlist; and

generate a second electronic command to transmit information identifying the first position to the user device.

14. The system of claim 13, wherein the at least one processor is further configured to:

identify a second position in at least one of the first set of the one or more first securities; and

generate the second electronic command to transmit information identifying the first and second positions to the first user device.

15. The system of claim 1, wherein the at least one processor is further configured to:

identify at least one of an investment program or an investment offering related to (i) the first loyalty program and (ii) at least one of the first or second data; and

generate a second electronic command to transmit information identifying the at least one investment program or offering to the user device.

16. The system of claim 15, wherein:

the investment offering comprises an initial public offering of at least one second security; and

the investment program comprises a dividend reinvestment program.

17. The system of claim 1, wherein the at least one processor is further configured to:

based on the digital activity data, determine geographic data associated with the user, the geographic data specifying a geographic region associated with at least one the first or second data; and

identify the first securities based on the geographic data, the first securities being related to the first loyalty program, the at least one of the first or second data, and the geographic region.

18. The system of claim 17, wherein the first securities comprise at least one of a debt security issued by a governmental entity associated with the geographic region or an equity security issued by a corporate entity having a relationship with the geographic region.

19. The system of claim 1, wherein the at least one processor is further configured to:

at least one of (i) receive the investment risk tolerance from the user device, or (ii) determine the investment risk tolerance based on an outcome of a digital financial investing activity.

determine a modified investment risk tolerance in accordance with at least one of a prior financial services transaction or a composition of an investment portfolio of the user; and

identify the one or more first securities based on the digital activity data and the modified investment risk tolerance.

20. The system of claim 1, wherein the at least one processor is further configured to:

identify a candidate security associated with a corresponding issuer, the candidate security being available to the user;

determine whether a first relationship exists between the corresponding issuer and a portion of at least one of the first data or the second data, and

when the first relationship exists, establish the identified candidate as one of the first securities, based on the determined first relationship.

21. The system of claim 20, wherein:

the at least one processor is further configured to;

determine whether a second relationship exists between the corresponding issuer and the at least one product, service, or business entity, based on the first data, and

when the second relationship exists, establish the identified candidate as one of the first securities; and

the first data identifies at least one of;

the at least one product, service, or business entity;

a direct connection between the user and the at least one product, service, or business entity within the social network;

an indirect connection between the user and the at least one product, service, or business entity within the social network, the indirect connection occurring through at least one intermediate user;

or

a subscription by the user to a social media news feed associated with the at least one product, service, or business entity.

22. The system of claim 20, wherein:

the obtained electronic content elements comprises at least one of a web page, an element of audio content, an element of video content, or an application executable by the user device;

the second data identifies at least one of a product, a service, a business entity associated with the user, or a business entity associated with the electronic content; and

the at least one processor is further configured to;

determine whether a second relationship exists between the corresponding issuer and the at least one product, service, or business entity, based on the second data; and

when the second relationship exists, establish the identified candidate as one of the first securities.

23. The system of claim 22, wherein the second data identifies a web page accessed by the user, the at least one product, service, or business entity being associated with at least a portion of the web page.

24. The system of claim 22, wherein:

the second data identifies a news feed to which the user subscribes; and

the at least one product, service, or business entity is associated with at least one of a provider of the news feed or content associated with the news feed.

26. The system of claim 22, wherein the second data identifies an application program executable by the user device.

25. The system of 22, wherein the second data identifies a purchase of product or service through a web page associated with the business entity.

27. A computer-implemented method, comprising:

obtaining, by one or more processors, an investment risk tolerance of a user;

obtaining, by the one or more processors, program data identifying a first loyalty program associated with the user, the user being a participant in the first loyalty program;

obtaining, by the one or more processors, digital activity data associated with the user, the digital activity data including at least one of (i) first data indicative of an interaction between the user and a social network or (ii) second data indicative of elements of electronic content accessed by the user;

identifying, by the one or more processors, a plurality of first securities based on the digital activity data, the first loyalty program, and the investment risk tolerance; and

generating, by the one or more processors, an electronic command to transmit information identifying a first set of the first securities to a device of the user.

28. A system, comprising:

a storage device; and

at least one processor coupled to the storage device, the storage device storing software instructions for controlling the at least one processor when executed by the at least one processor, and the at least one processor being operative with the software instructions and configured to;

determine an investment risk tolerance of a user;

obtain digital activity data associated with the user, the digital activity data including at least one of (i) first data indicative of an interaction between the user and a social network or (ii) second data indicative of elements of electronic content accessed by the user;

based on the digital activity data, determine geographic data associated with the user, the geographic data specifying a geographic region associated with at least one the first or second data; and

identify a plurality of first securities based on the digital activity data, the geographic data, and the investment risk tolerance; and

generate an electronic command to transmit information identifying a first set of the first securities to a device of the user.

29. The system of claim 28, wherein the first securities comprise at least one of a debt security issued by a governmental entity associated with the geographic region or an equity security issued by a corporate entity having a relationship with the geographic region.

30. The system of claim 28, wherein the at least one processor is further configured to:

obtain program data identifying a first loyalty program associated with the user, the user being a participant in the first loyalty program;

identify the first securities based on the program data, the first securities being related to the first loyalty program, the at least one of the first or second data, and the geographic region.