Providing value exchange in connection with financial institution recommendations and offers
First Claim
1. A method for providing value exchange in conjunction with financial solution recommendations, the method comprising:
- receiving, via a computing device, one or more inputs that each define criteria for recommending financial solutions;
determining, via a computing device processor, one or more financial solution recommendations based on inputs received;
flagging, via a computing device processor, one or more conflicting inputs that each define conflicting criteria for recommending financial solutions based at least partially on determining that one or more financial solution recommendations conflicts with one or more inputs;
determining, via a computing device processor, at least one monetary value component that indicates a monetary value of the one or more financial solution recommendations and at least one non-monetary value component that indicates a non-monetary value of the one or more financial solution recommendations; and
providing for, via a graphical user interface associated with a computing device, display of the one or more financial solution recommendations such that a financial solution recommendation associated with one or more conflicting criteria includes notation that the financial solution recommendation does not meet the conflicting criteria, the at least one monetary value component and the at least one non-monetary value component, wherein the monetary value component indicates an amount the customer can save based on the financial solution recommendation being accepted and the non-monetary value component is one or more of a convenience value component or a social value component, and wherein the convenience value component indicates a time savings the customer can save based on the financial solution recommendation being accepted and the social value component indicates a quantifiable environmental impact based the financial solution recommendation being accepted.
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Accused Products
Abstract
Systems, methods, and computer program products are provided for presenting value exchange in conjunction with financial solution recommendations or offers. The value component, is not limited to monetary value but may, in specific embodiments, also include, convenience value, emotional value or the like. The value component allows the customer to make informed decisions on which financial solution recommendations or offers to select. Further, the value component may be uniquely and dynamically customized (i.e., determined on-the-fly) for the customer based on inputs received from the customer and/or customer profile data. In addition, the value component may reflect average value realized for the demographic group applicable to the customer.
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Citations
21 Claims
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1. A method for providing value exchange in conjunction with financial solution recommendations, the method comprising:
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receiving, via a computing device, one or more inputs that each define criteria for recommending financial solutions; determining, via a computing device processor, one or more financial solution recommendations based on inputs received; flagging, via a computing device processor, one or more conflicting inputs that each define conflicting criteria for recommending financial solutions based at least partially on determining that one or more financial solution recommendations conflicts with one or more inputs; determining, via a computing device processor, at least one monetary value component that indicates a monetary value of the one or more financial solution recommendations and at least one non-monetary value component that indicates a non-monetary value of the one or more financial solution recommendations; and providing for, via a graphical user interface associated with a computing device, display of the one or more financial solution recommendations such that a financial solution recommendation associated with one or more conflicting criteria includes notation that the financial solution recommendation does not meet the conflicting criteria, the at least one monetary value component and the at least one non-monetary value component, wherein the monetary value component indicates an amount the customer can save based on the financial solution recommendation being accepted and the non-monetary value component is one or more of a convenience value component or a social value component, and wherein the convenience value component indicates a time savings the customer can save based on the financial solution recommendation being accepted and the social value component indicates a quantifiable environmental impact based the financial solution recommendation being accepted. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. An apparatus for providing value exchange in connection with financial solution recommendations, the apparatus comprising:
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a computing platform having at least one processor and a memory in communication with the processor, and a financial solution recommendation module stored in the memory, executable by the processor, and configured to (1) receive one or more inputs that each define criteria for recommending financial solutions, (2) determine one or more financial solution recommendations based on inputs received, (3) flag one or more conflicting inputs that each define conflicting criteria for recommending financial solutions based at least partially on determining that one or more financial solution recommendations conflicts with one or more inputs, (4) determine at least one monetary value component that indicates a monetary value of the financial solution recommendations and at least one non-monetary value component that indicates a non-monetary value of the financial solution recommendations, and (5) provide for a graphical user interface display of the one or more financial solution recommendations such that a financial solution recommendation associated with one or more conflicting criteria includes notation that the financial solution recommendation does not meet the conflicting criteria, the at least one monetary value component and the at least one non-monetary value component, wherein the monetary value component indicates an amount the customer can save based on the financial solution recommendation being accepted and the non-monetary value component is one or more of a convenience value component or a social value component, and wherein the convenience value component indicates a time savings the customer can save based on the financial solution recommendation being accepted and the social value component indicates a quantifiable environmental impact based the financial solution recommendation being accepted. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A computer program product, comprising:
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a non-transitory computer-readable medium comprising; a first set of codes for causing a computer to receive one or more inputs that each define criteria for recommending financial solutions; a second set of codes for causing a computer to determine one or more financial solution recommendations based on inputs received; a third set of codes for causing a computer to flag one or more conflicting inputs that each define conflicting criteria for recommending financial solutions based at least partially on determining that one or more financial solution recommendations conflicts with one or more inputs; a fourth set of codes for causing a computer to determine at least one monetary value component that indicates a monetary value of the one or more financial solution recommendations and at least one non-monetary value component that indicates a non-monetary value of the one or more financial solution recommendations; and a fifth set of codes for causing a computer to provide for a graphical user interface display the one or more financial solution recommendations such that a financial solution recommendation associated with one or more conflicting criteria includes notation that the financial solution recommendation does not meet the conflicting criteria, the at least one monetary value component and the at least one non-monetary value component, wherein the monetary value component indicates an amount the customer can save based on the financial solution recommendation being accepted and the non-monetary value component is one or more of a convenience value component or a social value component, and wherein the convenience value component indicates a time savings the customer can save based on the financial solution recommendation being accepted and the social value component indicates a quantifiable environmental impact based the financial solution recommendation being accepted. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification