Life Calendar

• US 20110202474A1
• Filed: 02/18/2010
• Published: 08/18/2011
• Est. Priority Date: 02/18/2010
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Mele, Helene Urban, Waldron, Willard H. III, Borowski, William F.
• Granted Patent: US 8,234,194 B2
• Time in Patent Office: Days
• US Class Current: 705/36.R
• CPC Class Codes: G06Q 10/109 Time management, e.g. calendars, reminders, meetings or time accounting
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/06 Asset management; Financial planning or analysis

Abstract

A method for providing a life calendar for a user includes gathering and tracking user data. The user data includes data associated with user-specific events and financial data. Recommendations are determined for the life calendar user based on the user data and may be refined based on bank data. Upon request, the life calendar is presented to the user populated with at least one of user data, user events, and recommendations.

Claims

1. A computer-implemented method maintaining a life calendar, the method comprising:

receiving user data comprising data associated with life events specific to a user;

receiving financial data of a user that relates to the user'"'"'s life events;

associating the user data and financial data with a life calendar so that the life calendar reflects the life events based on user data and financial data; and

presenting the life calendar to the user.

2. The method of claim 1, wherein the user is a customer of a bank

3. The method of claim 1, wherein the life event of the user comprises at least one of a birth, a death, a marriage, a divorce, a retirement, a change in education expenses, a home purchase, travel, a change in charitable giving, a change in employment, change in age, and an indication of a user hobby, each of which are associated directly with the user.

4. The method of claim 1, wherein the financial data is owned by a financial institution where the user holds an account.

5. The method of claim 1, wherein the financial data comprises financial transaction data of the user.

6. The method of claim 5, wherein the financial transaction data comprises at least one of a purchase made by the user, deposit made by the user, withdrawal made by the user, loan issued to the user, mortgage issued to the user, lien associated with the user, suretyship agreement for the user, investment transaction made by the user, transfer made by the user, credit request made by the user, government status change of the user, tax transaction associated with the user, and application for any of the previous transactions.

7. The method of claim 1, wherein the financial data comprises at least one financial plan of the user.

8. The method of claim 7, wherein the at least one financial plan of the user comprises at least one of a user'"'"'s preferred financial risk level, a user'"'"'s financial goals, predicted changes in a user'"'"'s financial situation, or a level of return the user would like from an investment.

9. The method of claim 1, wherein the presenting the life calendar to the user comprises displaying the life calendar on a computer screen.

10. A computer-implemented method for providing a life calendar, the method comprising:

receiving user data associated with a user, the user data comprising user events and financial data of the user; and

populating a life calendar with the user data.

11. The method of claim 10, further comprising allowing the user to input preferences indicating what user data to include in the life calendar database.

12. The method of claim 10, wherein the receiving user data comprises receiving historical user data and tracking the user data associated with the user on an ongoing basis.

13. The method of claim 10, further comprising allowing access to the life calendar through a portal selected from at least one of a computer program, a website, an electronic display, or a handheld device.

14. A computer-implemented method for providing a life calendar, the method comprising:

receiving user data associated with a user, the user data comprising data associated with user-specific events and financial data of the user, wherein the user-specific events comprise events associated with financial events and life events of the user, wherein the user data is received from at least one of a bank data source or a linked non-bank data source;

determining recommendations for the user based on the user data;

associating the user data and recommendations with the life calendar so that when the life calendar is presented, the user data and recommendations will be displayed to the user in the life calendar; and

presenting the life calendar to the user.

15. The method of claim 14, wherein the linked non-bank data sources comprises at least one of a secondary financial account, a social network account, a government account, an educational account, and a business account.

16. The method of claim 14, further comprising refining the recommendations for the user using bank data of the financial institution.

17. The method of claim 16, wherein the refining recommendations for the user using bank data comprises comparing the user data to models created using bank data.

18. The method of claim 14, further comprising allowing enrollment in a recommended service or purchase of a recommended product associated with the financial institution in response to the user accepting the recommended service or the recommended product.

19. A system for providing a life calendar, the system comprising:

a processor; and

a life calendar server application operable on the processor, wherein the life calendar server application comprises at least one module that, when executed on the processor;

tracks user events;

receives and respond to user input; and

automatically populates and displays events and recommendations in the life calendar accessible to the user.

20. The system of claim 19, wherein the life calendar server application further comprises a recommendation determination module based on user data.

21. The system of claim 19, wherein the life calendar server application comprises a recommendation refining module based on bank data at the financial institution.

22. The system of claim 19, wherein the life calendar server application comprises a recommendation enrollment module in accordance with one or more of the recommendations.

23. The system of claim 19, wherein the user events tracked by the server application comprises at least one of:

user input of at least one of the user events;

user data from bank databases;

user data from linked financial accounts; and

user data from linked social network accounts.

24. The system of claim 19, wherein the life calendar application comprises a presentation module in response to the user requesting to view the life calendar.

25. A non-transitory computer readable medium having computer usable program code embodied therein to provide a life calendar, the computer usable program code, when executed on a computer, causes the computer to:

receive user data associated with a user, the user data comprising data associated with user-specific events and financial data directly associated with the user;

store the user data into a database;

determine recommendations for the user based on the user data;

associate the user data and the recommendations with the life calendar so that when the life calendar is presented, the user data and recommendations are displayed to the user in the life calendar; and

present the life calendar to the user.

26. The non-transitory computer readable medium of claim 25, wherein the computer usable program code further causes the computer determine recommendations for the user based on the user data.

27. The non-transitory computer readable medium of claim 25, wherein the computer usable program code further causes the computer to refine recommendations based on comparison of user data to bank data.

28. The non-transitory computer readable medium of claim 25, wherein the computer usable program code that causes the computer to receive user data associated with a user comprises:

computer usable code that allows the computer to receive data from at least one of user input, bank databases, linked financial accounts, and linked social network accounts.