Adaptive and Customizable Account Interface System and Method

• US 20160148316A1
• Filed: 02/02/2016
• Published: 05/26/2016
• Est. Priority Date: 12/07/2007
• Status: Active Grant

• Current Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Original Assignee: JP Morgan Chase Bank, N.A. (JP Morgan Chase & Co)
• Inventors: Keld, Marcia, Field, Manning
• Granted Patent: US 9,972,052 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 10/00 Administration; Management
• 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 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/00 Commerce
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

Claims

1. A computer-implemented account interface system operated in cooperation with a financial institution on behalf of multiple account holders, the account interface system comprising:

a behavioral monitoring and analysis system for monitoring account holder spending behaviors and analyzing the spending behaviors;

account holder customization tools presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system;

an experience customization engine implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools in order to formulate the user interface display of related account parameters; and

user interface presentation components for presenting the account holders with a user interface display of account parameters and the account holder customization tools for allowing the account holders to modify the presented user interface display.

2. The system of claim 1, wherein the experience customization engine comprises adaptive formatting components for revising the user interface display of account parameters based on account holder behaviors.

3. The system of claim 1, wherein the experience customization engine comprises a fraud guardian module for providing account holders with selectable disallowed spending behaviors and for monitoring compliance with account holder selections.

4. The system of claim 1, wherein the experience customization engine comprises a billing cycle modification module for allow account holders to modify a billing cycle.

5. The system of claim 1, wherein the experience customization engine comprises a threshold determination module for providing account holders with a threshold interface including selectable spending thresholds in multiple categories.

6. The system of claim 1, wherein the experience customization engine comprises a receipt management module for managing receipts from merchants and spending categorization components for sorting the receipts into multiple spending categories.

7. The system of claim 6, wherein the receipt management module provides a recurring purchase option, wherein account holders select a displayed receipt to make an identical purchase.

8. The system of claim 1, wherein the experience customization engine comprises statement building tools for allowing account holders to construct a statement for presentation and printing.

9. The system of claim 1, wherein the experience customization engine further comprises a financial goals interface for allowing account holder prioritization of goals and for displaying account holder progress towards the prioritized goals.

10. The system of claim 1, wherein the experience customization engine comprises a rewards wish list for allowing account holders to prioritize rewards and for displaying progress towards the prioritized rewards.

11. The system of claim 1, wherein the experience customization engine comprises an out-of-office interface automatically presented to account holders upon occurrence of at least one of booking of a motel room, purchasing of airline tickets, and earning of a rewards trip.

12. The system of claim 1, wherein the experience customization engine comprises a status indicator user interface on each account holder desktop for informing the account holder of account-related events.

13. A computer implemented experience customization system for customizing a financial account holder experience based on financial account holder preferences and financial account holder behaviors, the experience customization system comprising:

an account billing cycle modification module implemented by a processor for accepting input from the financial account holder for determining billing cycle parameters and for setting the account holder billing cycle based on the input parameters;

a preference selection module for receiving input from the financial account holder to determine a configuration of the financial account holder interface; and

adaptive formatting components for modifying the financial account holder interface based upon an analysis of account holder behaviors,

wherein the preference selection module and the adaptive formatting components convey the determined configuration for display to user interface presentation components for display to the financial account holder.

14. The system of claim 13, wherein the experience customization engine comprises a fraud guardian module for providing the account holder with selectable disallowed spending behaviors and for monitoring compliance with account holder selections.

15. The system of claim 13, wherein the experience customization engine comprises a threshold determination module for providing account holders with a threshold interface including selectable spending thresholds in multiple categories.

16. The system of claim 13, wherein the experience customization engine comprises a receipt management module for managing receipts from merchants and spending categorization components for sorting the receipts into multiple spending categories.

17. The system of claim 16, wherein the receipt management module provides a recurring purchase option, wherein account holders select a displayed receipt to make an identical purchase.

18. The system of claim 13, wherein the experience customization engine comprises statement building tools for allowing account holders to construct a statement for presentation and printing.

19. The system of claim 13, wherein the experience customization engine further comprises a financial goals interface for allowing account holder prioritization of goals and for displaying account holder progress towards the prioritized goals.

20. The system of claim 13, wherein the experience customization engine comprises a rewards wish list for allowing account holders to prioritize rewards and for displaying progress towards the prioritized rewards.

21. The system of claim 13, wherein the experience customization engine comprises an out-of-office interface automatically presented to account holders upon occurrence of at least one of booking of a motel room, purchasing of airline tickets, and earning of a rewards trip.

22. The system of claim 13, wherein the experience customization engine comprises a status indicator user interface on an account holder'"'"'s desktop for informing the account holder of account-related events.

23. A computer-implemented method for providing an adaptive and customizable account interface to multiple account holders, the method comprising:

monitoring account holder spending behaviors and analyzing the spending behaviors in accordance with predetermined rules;

receiving input from account holder customization tools presented through an interactive account holder interface, the account holder customization tools for allowing account holders to alter the account holder interface by implementing selectable options;

analyzing the account holder spending behaviors and selectable options input by the account holders through the use of an experience customization engine implemented by a processor in order to formulate a customized user interface display of account related parameters; and

presenting the account holder with the customized user interface display through a computing device accessible to the account holder and allowing the account holder to further customize the user interface display through provision of the account holder customization tools providing the selectable options.

24. The method of claim 23, wherein the experience customization engine adaptively formats the user interface display of account parameters based on account holder behaviors.

25. The method of claim 23, further comprising providing account holders with a fraud guardian interface with selectable disallowed spending behaviors and monitoring compliance with account holder selections.

26. The method of claim 23, further comprising providing a billing cycle modification interface for allowing account holders to modify a billing cycle.

27. The method of claim 23, further comprising providing account holders with a threshold interface including selectable spending thresholds in multiple categories and monitoring the selected thresholds.

28. The method of claim 23, further comprising managing receipts from merchants and sorting the receipts into multiple spending categories.

29. The method of claim 28, further comprising, providing a recurring purchase option, wherein an account holder selects a displayed receipt to make an identical purchase.

30. The method of claim 23, further comprising providing a drag and drop interface allowing account holders to construct a statement for presentation and printing.

31. The method of claim 23, further comprising providing a rewards wish list for allowing an account holder to prioritize rewards and for displaying progress towards the prioritized rewards.

32. The method of claim 23, further comprising providing an out-of-office interface automatically to account holders upon occurrence of at least one of booking of a motel room, purchasing of airline tickets, and earning of a rewards trip.

33. The method of claim 23, further comprising providing a status indicator user interface on an account holder'"'"'s desktop for informing the account holder of account-related events.