Grouped packages for a financial and social management system

• US 9,786,019 B2
• Filed: 09/20/2013
• Issued: 10/10/2017
• Est. Priority Date: 09/20/2013
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Votaw, Elizabeth S., Bondesen, Laura Corinne, Calman, Matthew A., Dintenfass, Katherine, Jones, Candice Michelle, Aweida, Charles Karim, Bossier, Parker Holt, Chen, Rebecca A., Kumar, Nandhita, Zhao, Min
• Primary Examiner(s): Zare, Scott
• Assistant Examiner(s): Danzig, Reva R
• Application Number:
  US14/032,661
• Publication Number:
  US 20150088705A1
• Time in Patent Office: 1,481 Days
• Field of Search: 705 11, 705 6, 705 1458, 705 1466, 705 30
• CPC Class Codes: G06Q 40/12 Accounting
• CPC Class Codes: G06Q 50/01 Social networking

Abstract

Embodiments of the invention comprise systems, computer program products, and methods for a financial and social management system that provides improved tracking and management related to how, where, when, and with whom a user enters into activities. The financial and social management system captures activity information and images from various sources of information, including but not limited to social networking accounts, e-receipts, calendars, contact lists, location determination devices, and the like, and associates the activity information and images with the activities of one or more users. The financial and social management system captures past and future activities of the multiple users based on a location or time period, and assembles the activities into group packages. The group packages are supplemented with the images and the activity information related to the past and future activities captured from the various sources of information of the multiple users.

Claims

1. A system for creating grouped packages of one or more activities that are past activities or future activities for display within an integrated financial and social networking interface, the system comprising:

a memory device having computer readable program code store thereon; and

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

receive an indication from a first user to set up a package for the one or more activities, wherein the indication is received from one or more user computer systems;

receive an indication to allow a second user to access the package, wherein the indication is received from the one or more user computer systems;

identify a location and a time period for the package, wherein the location or the time period is identified from the one or more user computer systems, one or more financial institution systems, one or more social networking systems, or one or more entity computer systems;

identify one or more users for the package, wherein identifying the one or more users comprises;

identifying one or more other users that participated in an activity for the location and the time period of the package, wherein the one or more other users that participated in the activity are determined from the one or more financial institution systems or the one or more entity systems;

accessing social networking accounts of the first user and the second user automatically, for which the first user and the second user have allowed access, wherein the social networking accounts are accessed by accessing the one or more social networking systems;

determine the one or more users of the one or more other users that is a contact of the first user or the second user in the social networking accounts of the first user or the second user and has also participated in the activity for the location and the time period of the package; and

determine the one or more users associated with the location or the time period for the package within the social networking account of the first user or the second user;

associate the one or more users of the one or more other users with the package, wherein the one or more users are associated by the one or more financial institution systems;

group the one or more activities into the package, wherein the one or more activities are the past activities that have already occurred or the future activities that are scheduled to occur in the future, and wherein the one or more activities are grouped into the package by the one or more financial institution systems;

identify one or more images for the package through the social networking systems, wherein identifying the one or more images comprises;

accessing the social networking accounts of the first user and the second user; and

capturing the one or more images from the social networking accounts of the first user and the second user associated with the location or the time period for the package;

associate the one or more images with the package, wherein the one or more images are associated with the package by the one or more financial institution systems;

generate an integrated financial and social networking interfaces for the package for the first user and the second user, wherein the integrated financial and social networking interfaces comprise the one or more activities of the package in an activity list, the one or more users for the package identified from the social networking systems, the one or more images captured from the social networking systems, the location and the time period of the package, wherein each of the one or more activities in the activity list is associated with at least one image of the one or more images and at least one of the one or more users in the integrated financial and social networking interface; and

display the integrated financial and social networking interfaces to the first user in a first interface and to the second user in a second interface, wherein the integrated financial and social networking interfaces are displayed through the one or more user computer systems.

2. The system of claim 1, wherein the processing device is further configured to execute the computer readable program code to:

receive an indication from the second user to set a budget for the package or the one or more activities in the package; and

receive an indication from the second user to allocate funds from one or more accounts of the second user to the package or the one or more activities in the package.

3. The system of claim 1, wherein the processing device is further configured to execute the computer readable program code to:

receive an indication from the first user to set a budget for the package or the one or more activities in the package; and

receive an indication from the first user to allocate funds from one or more accounts of the first user to the package or the one or more activities in the package.

4. The system of claim 1, wherein the processing device configured to execute the computer readable program code to group the one or more activities into the package comprises:

identifying a first user activity and first user activity information;

identifying a second user activity and second user activity information; and

grouping the first user activity and the first user activity information and the second user activity and the second user activity information into the package.

5. The system of claim 1, wherein the processing device is further configured to execute the computer readable program code to:

identify the one or more activities for the proposed package that meet the location or the time period, wherein the one or more activities are based on transactions that are scheduled for the location, transactions that are scheduled for the time period, or transactions added to the proposed package by the first user or the second user, wherein the transactions have previously occurred or are scheduled to occur in the future and are determined based on the transactions identified for financial accounts of the first user or one or more other users.

6. The system of claim 1, wherein the processing device configured to execute the computer readable program code to identify the one or more images for the proposed package comprises:

receiving the one or more images from the first user; and

receiving the one or more images from the second user.

7. The system of claim 1, wherein identifying the one or more images for the package through the social networking systems:

capturing, via the social networking system, a user image of the one or more images, for a third user of the one or more users from the social networking account of the first user when the third user of the one or more users is the contact of the first user, wherein capturing the user image further comprises;

identifying a first user image in the social networking account of the first user that is tagged with the third user of the one or more users;

analyzing the first user image in the social networking account of the first user to determine a portion of the first user image that is associated with the third user of the one or more users;

wherein analyzing the first user image further comprises at least one of;

comparing a plurality of images tagged with the third user in the social networking account of the first user to determine the portion of the first user image that corresponds to the third user; and

performing image analysis on the first user image to identify whether the first user image comprises an image of the third user, an image of another user, an image of an object or an image of a scenery when the first user image in the social networking account of the first user is a profile picture of the third user of the one or more users, and determining that the first user image is associated with the third user based on identifying that the first user image comprises the image of the third user;

capturing, from the social networking account of the first user, the user image comprising the portion of the first user image that is associated with the third user of the one or more users; and

associating the user image of the one or more images captured from the social networking account of the first user with the package.

8. The system of claim 1, wherein identifying the one or more images for the package through the social networking systems:

identifying a first image from the social networking account of the first user related to the package, wherein identifying the first image from the social networking account comprises capturing an image for the location the one or more activities;

capturing, via the social networking system, a second user image for at least one of the one or more users from the social networking account of the first user when the at least one or the one or more users is the contact of the first user, wherein capturing the second user image further comprises identifying a profile picture of the at least one of the one or more users from the social networking account of the first user and capturing the profile picture as the second user image;

accessing the one or more entity computer systems related to the one or more activities;

capturing, from the one or more entity computer systems, an entity image related to the entity associated with the one or more activities;

associating the one or more images comprising the first image and the second user image from the social networking account of the first user, and the entity image from the one or more entity computer systems, with the package; and

wherein the integrated financial and social networking interface comprises the first image from the social networking account of the first user, the second user image from the social networking account of the first user and the entity image from the one or more entity computer systems, correlated with an activity of the one or more of activities in the activity list associated with the image.

9. A computer program product for creating grouped packages of one or more activities that are past activities or future activities for display within an integrated financial and social networking interface, 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 to receive an indication from a first user to set up a package for the one or more activities, wherein the indication is received from one or more user computer systems;

an executable portion configured to receive an indication to allow a second user to access the package, wherein the indication is received from the one or more user computer systems;

an executable portion configured to identify a location and a time period for the package, wherein the location or the time period is identified from the one or more user computer systems, one or more financial institution systems, one or more social networking systems, or one or more entity computer systems;

an executable portion configured to identify one or more users for the package, wherein identifying the one or more users comprises;

identifying one or more other users that participated in an activity for the location and the time period of the package, wherein the one or more other users that participated in the activity are determined from the one or more financial institution systems or the one or more entity systems;

accessing social networking accounts of the first user and the second user automatically, for which the first user and the second user have allowed access, wherein the social networking accounts are accessed by accessing the one or more social networking systems;

determine the one or more users of the one or more other users that is a contact of the first user or the second user in the social networking accounts of the first user or the second user and has also participated in the activity for the location and the time period of the package; and

determine the one or more users associated with the location or the time period for the package within the social networking account of the first user or the second user;

an executable portion configured to associate the one or more users of the one or more other users with the package, wherein the one or more users are associated by the one or more financial institution systems;

an executable portion configured to group the one or more activities into the package, wherein the one or more activities are the past activities that have already occurred or the future activities that are scheduled to occur in the future, and wherein the one or more activities are grouped into the package by the one or more financial institution systems;

an executable portion configured to identify one or more images for the package through the social networking systems, wherein identifying the one or more images comprises;

accessing the social networking accounts of the first user and the second user; and

capturing the one or more images from the social networking accounts of the first user and the second user associated with the location or the time period for the package;

an executable portion configured to associate the one or more images with the package, wherein the one or more images are associated with the package by the one or more financial institution systems;

an executable portion configured to generate integrated financial and social networking interfaces for the package for the first user and the second user, wherein the integrated financial and social networking interfaces comprise the one or more activities of the package in an activity list, the one or more users for the package identified from the social networking systems, the one or more images captured from the social networking systems, the location and the time period of the package, wherein each of the one or more activities in the activity list is associated with at least one image of the one or more images and at least one of the one or more users in the integrated financial and social networking interface; and

an executable portion configured to display the integrated financial and social networking interfaces to the first user in a first interface and to the second user in a second interface, wherein the integrated financial and social networking interfaces are displayed through the one or more user computer systems.

10. The computer program product of claim 9, wherein the computer-readable program code portions further comprise:

an executable portion configured to receive an indication from the second user to set a budget for the package or the one or more activities in the package; and

an executable portion configured to receive an indication from the second user to allocate funds from one or more accounts of the second user to the package or the one or more activities in the package.

11. The computer program product of claim 9, wherein the computer-readable program code portions further comprise:

an executable portion configured to receive an indication from the first user to set a budget for the package or the one or more activities in the package; and

an executable portion configured to receive an indication from the first user to allocate funds from one or more accounts of the first user to the package or the one or more activities in the package.

12. The computer program product of claim 9, wherein the executable portion configured to group the one or more activities into the package comprises:

an executable portion configured to identify a first user activity and first user activity information;

an executable portion configured to identify a second user activity and second user activity information; and

an executable portion configured to group the first user activity and the first user activity information and the second user activity and the second user activity information into the package.

13. The computer program product of claim 9, wherein the computer-readable program code portions further comprise:

an executable portion configured to identify the one or more activities for the proposed package that meet the location or the time period, wherein the one or more activities are based on transactions that are scheduled for the location, transactions that are scheduled for the time period, or transactions added to the proposed package by the first user or the second user, wherein the transactions have previously occurred or are scheduled to occur in the future and are determined based on the transactions identified for financial accounts of the first user or one or more other users.

14. The computer program product of claim 9, wherein the executable portion configured to identify the one or more images for the proposed package comprises:

an executable portion configured to receive the one or more images from the first user; and

an executable portion configured to receive the one or more images from the second user.

15. A method for creating grouped packages of one or more activities that are past activities or future activities for display within an integrated financial and social networking interface, the method comprising:

receiving, by one or more processing devices, an indication from a first user to set up a package for the one or more activities, wherein the indication is received from one or more user computer systems;

receiving, by the one or more processing devices, an indication to allow a second user to access the package, wherein the indication is received from the one or more user computer systems;

identifying, by the one or more processing devices, a location and a time period for the package, wherein the location or the time period is identified from the one or more user computer systems, one or more financial institution systems, one or more social networking systems, or one or more entity computer systems;

identifying, by the one or more processing devices, the one or more users for the package, wherein identifying the one or more users comprises;

identifying one or more other users that participated in an activity for the location and the time period of the package, wherein the one or more other users that participated in the activity are determined from the one or more financial institution systems or the one or more entity systems;

accessing social networking accounts of the first user and the second user automatically, for which the first user and the second user have allowed access, wherein the social networking accounts are accessed by accessing the one or more social networking systems; and

determine the one or more users of the one or more other users that is a contact of the first user or the second user in the social networking accounts of the first user or the second user and has also participated in the activity for the location and the time period of the package; and

determine the one or more users associated with the location or the time period for the package within the social networking account of the first user or the second user;

associating, by the one or more processing devices, the one or more users of the one or more other users with the package wherein the one or more users are associated by the one or more financial institution systems;

grouping, by the one or more processing devices, the one or more activities into the package, wherein the one or more activities are the past activities that have already occurred or the future activities that are scheduled to occur in the future, wherein the one or more activities are grouped into the package by the one or more financial institution systems;

identifying, by the one or more processing devices, one or more images for the package, wherein identifying the one or more images comprises;

accessing the social networking accounts of the first user and the second user; and

capturing the one or more images from the social networking accounts of the first user and the second user associated with the location or the time period for the package;

associate, by the one or more processing devices, the one or more images with the package, wherein the one or more images are associated with the package by the one or more financial institution systems;

generate, by the one or more processing devices, integrated financial and social networking interfaces for the package for the first user and the second user, wherein the integrated financial and social networking interfaces comprise the one or more activities of the package in an activity list, the one or more users for the package identified from the social networking systems, the one or more images captured from the social networking systems, the location and the time period of the package, wherein each of the one or more activities in the activity list is associated with at least one image of the one or more images and at least one of the one or more users in the integrated financial and social networking interface; and

displaying, by the one or more processing devices, the integrated financial and social networking interfaces to the first user in a first interface and to the second user in a second interface, wherein the integrated financial and social networking interfaces are displayed through the one or more user computer systems.

16. The method of claim 15, further comprising:

receiving, by the one or more processing devices, an indication from the second user to set a budget for the package or the one or more activities in the package; and

receiving, by the one or more processing devices, an indication from the second user to allocate funds from one or more accounts of the second user to the package or the one or more activities in the package.

17. The method of claim 15, further comprising:

receiving, by the one or more processing devices, an indication from the first user to set a budget for the package or the one or more activities in the package; and

receiving, by the one or more processing devices, an indication from the first user to allocate funds from one or more accounts of the first user to the package or the one or more activities in the package.

18. The method of claim 15, wherein grouping the one or more activities into the package comprises:

identifying a first user activity and first user activity information;

identifying a second user activity and second user activity information; and

grouping the first user activity and the first user activity information and the second user activity and the second user activity information into the package.

19. The method of claim 15, further comprising:

identifying, by the one or more processing devices, the one or more activities for the proposed package that meet the location or the time period, wherein the one or more activities are based on transactions that are scheduled for the location, transactions that are scheduled for the time period, or transactions added to the proposed package by the first user or the second user, wherein the transactions have previously occurred or are scheduled to occur in the future and are determined based on the transactions identified for financial accounts of the first user or one or more other users.

20. The method of claim 15, wherein identifying the one or more images for the proposed package comprises:

receiving the one or more images from the first user; and

receiving the one or more images from the second user.