Customizable financial institution application interface

• US 9,026,991 B2
• Filed: 02/18/2011
• Issued: 05/05/2015
• Est. Priority Date: 02/18/2011
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Ross, Erik Stephen
• Primary Examiner(s): Pan, Hang
• Application Number:
  US13/030,597
• Publication Number:
  US 20120216175A1
• Time in Patent Office: 1,537 Days
• Field of Search: 717/109, 705/42
• US Class Current: 717/109
• CPC Class Codes: G06F 8/20 Software design
• CPC Class Codes: G06F 8/30 Creation or generation of source code

Abstract

Embodiments of the invention are directed to a system, method, or computer program product for a customizable financial application. This invention allows a user to customize an application, such as an application for a mobile smart phone, to display information or perform actions using data stored by a financial institution, including data about the customer and more general financial data.

Claims

1. A customizable application system comprising:

a memory device;

a communication device; and

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute computer-readable program code to;

receive a request from a financial institution customer to access financial institution customer data associated with financial accounts the customer has;

determine account information associated with accounts within a primary financial institution;

request financial institution customer data for accounts from one or more different financial institutions that the financial institution customer has identified as having an account associated therewith;

receive, automatically, based at least in part on the request for financial institution customer data from the one or more different financial institutions, account information for the accounts associated with the one or more different financial institutions;

compile the account information associated with the accounts within the primary financial institution and the account information received from one or more different financial institutions to create financial institution customer data for the customer;

compare, using the financial institution customer data, a financial situation of the financial institution customer during a first time period with a financial situation of the financial institution customer during a second time period, wherein the first time period and the second time period are selected by the financial institution customer;

compare the financial situation of the financial institution customer during the first time period with a financial situation of a group of other financial institution customers, wherein financial situation comparison includes a comparison between financial savings, a budget, and a cash flow of the financial institution customer and the group of other financial institution customers, wherein the first time period is selected by the financial institution customer;

initiate a presentation of a user interface to enable the financial institution customer to develop a customized application based at least in part on the financial institution customer data determined from account information from both the primary financial institution and one or more different financial institutions; and

display the customized application to the customer.

2. The customizable application system of claim 1, wherein the processing device is further configured to execute computer-readable program code to receive a request from the financial institution customer to add customized information;

and wherein the customized application is developed based at least in part on the customized information.

3. The customizable application system of claim 2, wherein the customized information is a goal that the financial institution customer wants to track using the customized application.

4. The customizable application system of claim 1, wherein the processing device is further configured to execute computer-readable program code to receive a request from the financial institution customer to utilize a template;

and wherein the customized application is developed based at least in part on the template.

5. The customizable application system of claim 1, wherein the processing device is further configured to execute computer-readable program code to receive a request from the financial institution customer to customize a template;

and wherein the customized application is developed based at least in part on the customized template.

6. The customizable application system of claim 1, wherein the processing device is further configured to execute computer-readable program code to save the customized application on the memory device;

and receive a request from the financial institution customer to view the customized application on a customer system.

7. The customizable application system of claim 1, wherein the processing device is further configured to execute computer-readable program code to save the customized application on a customer system memory device;

and receive a request from a customer system to update the customized application.

8. The customizable application system of claim 1, wherein the processing device is further configured to execute computer-readable program code to access the financial institution customer data from the primary financial institution.

9. The customizable application system of claim 1, wherein the processing device is further configured to execute computer-readable program code to access the financial institution customer data from a secondary financial institution.

10. A method comprising:

receiving a request from a financial institution customer to access financial institution customer data associated with financial accounts the customer has;

determining account information associated with accounts within a primary financial institution;

requesting financial institution customer data for accounts from one or more different financial institutions that the financial institution customer has identified as having an account associated therewith;

receiving, automatically, based at least in part on the request for financial institution customer data from the one or more different financial institutions, account information for the accounts associated with the one or more different financial institutions;

compiling the account information associated with the accounts within the primary financial institution and the account information received from one or more different financial institutions to create financial institution customer data for the customer;

comparing, using the financial institution customer data, a financial situation of the financial institution customer during a first time period with a financial situation of the financial institution customer during a second time period, wherein the first time period and the second time period are selected by the financial institution customer;

comparing the financial situation of the financial institution customer during the first time period with a financial situation of a group of other financial institution customers, wherein financial situation comparison includes a comparison between financial savings, a budget, and a cash flow of the financial institution customer and the group of other financial institution customers, wherein the first time period is selected by the financial institution customer;

initiating a presentation of a user interface to enable the financial institution customer to develop a customized application based at least in part on the financial institution customer data determined from account information from both the primary financial institution and one or more different financial institutions; and

displaying the customized application to the customer.

11. The method of claim 10, further comprising receiving a request from the financial institution customer to add customized information;

and wherein the customized application is developed based at least in part on the customized information.

12. The method of claim 11, wherein the customized information is a goal that the financial institution customer wants to track using the customized application.

13. The method of claim 10, further comprising receiving a request from the financial institution customer to utilize a template;

and wherein the customized application is developed based at least in part on the template.

14. The method of claim 10, further comprising receiving a request from the financial institution customer to customize a template;

and wherein the customized application is developed based at least in part on the customized template.

15. The method of claim 10, further comprising saving the customized application on a customized application system;

and receiving a request from the financial institution customer to view the customized application on a customer system.

16. The method of claim 10, further comprising saving the customized application on a customer system;

and receiving a request from the customer system to update the customized application.

17. The method of claim 10, further comprising accessing the financial institution customer data from the primary financial institution.

18. The method of claim 10, further comprising accessing the financial institution customer data from a secondary financial institution.

19. A computer program product, the computer program product comprising at least one non-transitory computer-readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for receiving a request from a financial institution customer to access financial institution customer data associated with financial accounts the customer has;

an executable portion configured for determining account information associated with accounts within a primary financial institution;

an executable portion configured for requesting financial institution customer data for accounts from one or more different financial institutions that the financial institution customer has identified as having an account associated therewith;

an executable portion configured for receiving, automatically, based at least in part on the request for financial institution customer data from the one or more different financial institutions, account information for the accounts associated with the one or more different financial institutions;

an executable portion configured for compiling the account information associated with the accounts within the primary financial institution and the account information received from one or more different financial institutions to create financial institution customer data for the customer;

an executable portion configured for comparing, using the financial institution customer data, a financial situation of the financial institution customer during a first time period with a financial situation of the financial institution customer during a second time period, wherein the first time period and the second time period are selected by the financial institution customer;

an executable portion configured for comparing the financial situation of the financial institution customer during the first time period with a financial situation of a group of other financial institution customers, wherein financial situation comparison includes a comparison between financial savings, a budget, and a cash flow of the financial institution customer and the group of other financial institution customers, wherein the first time period is selected by the financial institution customer;

an executable portion configured for initiating a presentation of a user interface to enable the financial institution customer to develop a customized application based at least in part on the financial institution customer data determined from account information from both the primary financial institution and one or more different financial institutions; and

an executable portion configured for displaying the customized application to the customer.

20. The computer program product of claim 19, further comprising an executable portion configured for receiving a request from the financial institution customer to add customized information;

and wherein the customized application is developed based at least in part on the customized information.

21. The computer program product of claim 20, wherein the customized information is a goal that the financial institution customer wants to track using the customized application.

22. The computer program product of claim 19, further comprising an executable portion configured for receiving a request from the financial institution customer to utilize a template;

and wherein the customized application is developed based at least in part on the template.

23. The computer program product of claim 19, further comprising an executable portion configured for receiving a request from the financial institution customer to customize a template;

and wherein the customized application is developed based at least in part on the customized template.

24. The computer program product of claim 19, further comprising an executable portion configured for saving the customized application on a customized application system;

and an executable portion configured for receiving a request from the financial institution customer to view the customized application on a customer system.

25. The computer program product of claim 19, further comprising an executable portion configured for saving the customized application on a customer system;

and an executable portion configured for receiving a request from the customer system to update the customized application.

26. The computer program product of claim 19, further comprising an executable portion configured for accessing the financial institution customer data from the primary financial institution.

27. The computer program product of claim 19, further comprising an executable portion configured for accessing the financial institution customer data from a secondary financial institution.