Methods and apparatuses for presenting offers for financial products

• US 8,452,706 B1
• Filed: 04/27/2009
• Issued: 05/28/2013
• Est. Priority Date: 04/27/2009
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Moadus, Elliott, Moore, Marina
• Primary Examiner(s): Shrestha, Bijendra K
• Application Number:
  US12/430,729
• Time in Patent Office: 1,492 Days
• Field of Search: 705/40
• US Class Current: 705/40
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

Embodiments of the present invention relate to apparatuses and methods for presenting offers for financial products, and more particularly, for presenting offers for financial products in graphical user interfaces. For example, in one embodiment, a method is provided for: (1) providing a graphical user interface to the display device of a computerized apparatus, wherein the graphical user interface comprises information associated with a financial account; (2) determining an offer for a financial product based at least partially on a comparison of the financial account to the financial product; and (3) presenting the offer for the financial product in the graphical user interface.

Claims

1. A computer-implemented method comprising:

providing a computer processor executing computer readable instruction code structured to cause the computer processor to;

provide an online banking graphical user interface to a computer accessible to a user wherein the online banking graphical user interface comprises financial account information relating to one or more features for each of a first and a second financial account that are respectively provided by a first and a second financial institution, wherein the online banking graphical user interface is maintained by the first financial institution, wherein the first financial institution is different than the second financial institution, and wherein the user is the holder of the first and the second financial account respectively provided by the first and the second financial institutions;

receive information regarding one or more financial products associated with the first financial institution;

compare one or more features associated with one or more financial products associated with the first financial institution to one or more features of the second financial account provided by the second financial institution;

determine an offer for, at least, one of the one or more financial products associated with the first financial institution based at least partially on the comparison, wherein the determining the offer is based at least partially on determining a benefit provided by the, at least, one of the one or more financial products that is not provided by the second financial account provided by the second financial institution; and

display the offer, via the online banking graphical user interface, wherein the offer comprises the comparison of the one or more features of the, at least, one of the one or more financial products associated with the first financial institution to the one or more features of the second financial account provided by the second financial institution.

2. The computer-implemented method of claim 1, wherein the displaying the offer comprises displaying the offer proximate to the information associated with the financial account provided by the second financial institution.

3. The computer-implemented method of claim 1, wherein the offer comprises information describing a benefit provided by the financial product that is not provided by the financial account provided by the second financial institution.

4. The computer-implemented method of claim 1, wherein the displaying the offer comprises displaying a selectable path in the graphical user interface that at least partially relates to the offer.

5. The computer-implemented method of claim 1, wherein the displaying the offer comprises displaying a pop-up in the graphical user interface that at least partially relates to the offer.

6. The computer-implemented method of claim 1, wherein the offer is configured to be accepted via the graphical user interface.

7. The computer-implemented method of claim 1, wherein both the financial account provided by the second financial institution and the financial product are at least one of a checking account, debit card account, credit card account, savings account, certificate of deposit account, investment account, loan account, or credit line account.

8. The computer-implemented method of claim 1, wherein the displaying the offer comprises displaying the offer in a centralized location in the graphical user interface.

9. The computer-implemented method of claim 1, wherein the displaying the offer comprises modifying the appearance of the information associated with the financial account provided by the second financial institution in the graphical user interface to indicate that the offer has been presented.

24. The method of claim 1, wherein the offer is displayed in a plurality of windows via the online banking account such that the plurality of windows and the financial account provided by the second financial institution are simultaneously visible on the graphical interface comprising the online banking account.

25. The method of claim 24, wherein the plurality of windows comprising the offer are separate from and at a position relative to the graphical user interface comprising the online banking account embodying the holder'"'"'s financial account provided by the second financial institution.

26. The method of claim 1, wherein the comparison comprised in the offer compares the one or more features of the financial product alongside the one or more features of the financial account provided by the second financial institution.

10. An apparatus comprising:

a communication interface; and

a processor operatively connected to the communication interface and configured to;

provide an online banking graphical user interface to a computer accessible to a user wherein the online banking graphical user interface comprises financial account information relating to one or more features for each of a first and a second financial account that are respectively provided by a first and a second financial institution, wherein the online banking graphical user interface is maintained by the first financial institution, wherein the first financial institution is different than the second financial institution, and wherein the user is the holder of the first and the second financial account respectively provided by the first and the second financial institutions;

receive information regarding one or more financial products associated with the first financial institution;

compare one or more features associated with one or more financial products associated with the first financial institution to one or more features of the second financial account provided by the second financial institution;

determine an offer for, at least, one of the one or more financial products associated with the first financial institution based at least partially on the comparison, wherein the determining the offer is based at least partially on determining a benefit provided by the, at least, one of the one or more financial products that is not provided by the second financial account provided by the second financial institution; and

display the offer, via the online banking graphical user interface, wherein the offer comprises the comparison of the one or more features of the, at least, one of the one or more financial products associated with the first financial institution to the one or more features of the second financial account provided by the second financial institution.

11. The apparatus of claim 10, wherein both the first financial account and the second financial account are at least one of a checking account, debit card account, credit card account, savings account, certificate of deposit account, investment account, loan account, or credit line account.

12. The apparatus of claim 10, wherein the offer comprises information describing a benefit provided by the second financial account that is not provided by the first financial account.

13. The apparatus of claim 10, wherein the offer comprises a selectable path configured to accept the offer for the second financial account.

22. The apparatus of claim 10, wherein the processor is further configured to:

compare information associated with the second financial account to information associated with the first financial account; and

determine the offer based at least partially on the processor comparing the information associated with the second financial account to the information associated with the first financial account.

14. An apparatus comprising:

a communication device configured to receive information associated with an online banking account;

a memory device configured to store information associated with one or more financial products associated with the first financial institution; and

a processor operatively connected to the communication device and the memory device, and configured to;

provide an online banking graphical user interface to a computer accessible to a user, wherein the online banking graphical user interface comprises financial account information relating to one or more features for each of a first and a second financial account that are respectively provided by a first and a second financial institution, wherein the online banking graphical user interface is maintained by the first financial institution, wherein the first financial institution is different than the second financial institution, and wherein the user is the holder of the first and the second financial account respectively provided by the first and the second financial institutions;

receive information regarding one or more financial products associated with the first financial institution;

compare one or more features associated with one or more financial products associated with the first financial institution to one or more features of the second financial account provided by the second financial institution;

determine an offer for, at least, one of the one or more financial products associated with the first financial institution based at least partially on the comparison, wherein the determining the offer is based at least partially on determining a benefit provided by the, at least, one of the one or more financial products that is not provided by the second financial account provided by the second financial institution; and

display the offer, via the online banking graphical user interface, wherein the offer comprises the comparison of the one or more features of the, at least, one of the one or more financial products associated with the first financial institution to the one or more features of the second financial account provided by the second financial institution.

15. The apparatus of claim 14, wherein the online banking graphical user interface comprises information identifying the financial account provided by the second financial institution, and wherein the processor is further configured to use the communication device display the offer in the online banking graphical user interface near the information identifying the financial account provided by the second financial institution.

16. The apparatus of claim 14, wherein the offer comprises information associated with the financial product.

17. The apparatus of claim 14, wherein the offer comprises information describing a benefit provided by the financial product that is not provided by the financial account provided by the second financial institution.

23. The apparatus of claim 14, wherein the online banking graphical user interface comprises transaction information from one or more transactions involving the financial account provided by the second financial institution.

18. A computer program product comprising non-transitory a computer-readable medium having computer-executable program code portions stored therein for causing a computer to:

provide an online banking graphical user interface to a computer accessible to a user wherein the online banking graphical user interface comprises financial account information relating to one or more features for each of a first and a second financial account that are respectively provided by a first and a second financial institution, wherein the online banking graphical user interface is maintained by the first financial institution, wherein the first financial institution is different than the second financial institution, and wherein the user is the holder of the first and the second financial account respectively provided by the first and the second financial institutions;

receive information regarding one or more financial products associated with the first financial institution;

compare one or more features associated with one or more financial products associated with the first financial institution to one or more features of the second financial account provided by the second financial institution;

determine an offer for, at least, one of the one or more financial products associated with the first financial institution based at least partially on the comparison, wherein the determining the offer is based at least partially on determining a benefit provided by the, at least, one of the one or more financial products that is not provided by the second financial account provided by the second financial institution; and

display the offer, via the online banking graphical user interface, wherein the offer comprises the comparison of the one or more features of the, at least, one of the one or more financial products associated with the first financial institution to the one or more features of the second financial account provided by the second financial institution.

19. The computer program product of claim 18, wherein the offer is displayed proximate to the information associated with the financial account provided by the second financial institution.

20. The computer program product of claim 18, wherein the offer comprises information associated with the financial product.

21. The computer program product of claim 18, wherein the offer comprises information describing one or more benefits provided by the financial product that are not provided by the financial account provided by the second financial institution.

27. A computer-implemented method comprising:

providing a computer processor executing computer readable instruction code structured to cause the computer processor to;

provide an online banking graphical user interface to a computer accessible to a user, wherein the online banking graphical user interface comprises financial account information relating to one or more features for each of a first and a second financial account that are respectively provided by a first and a second financial institution, wherein the online banking graphical user interface is maintained by the first financial institution, wherein the first financial institution is different than the second financial institution, and wherein the user is the holder of the first and the second financial account respectively provided by the first and the second financial institutions;

receive information regarding one or more financial products associated with the first financial institution;

compare one or more features associated with one or more financial products associated with the first financial institution to one or more features of the second financial account provided by the second financial institution;

determine an offer for, at least, one of the one or more financial products associated with the first financial institution based at least partially on the comparison, wherein the determining the offer is based at least partially on determining a benefit provided by the, at least, one of the one or more financial products that is not provided by the second financial account provided by the second financial institution; and

display the offer, via the online banking graphical user interface, wherein the offer comprises a side by side comparison of the one or more features of, at least, one of the one or more financial products associated with the first financial institution to the one or more features of the second financial account provided by the second financial institution.