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Adaptive and customizable account interface system and method

  • US 9,773,247 B1
  • Filed: 02/19/2009
  • Issued: 09/26/2017
  • Est. Priority Date: 12/07/2007
  • Status: Active Grant
First Claim
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1. A computer-implemented account interface system operated in cooperation with a financial institution on behalf of multiple account holders, the account interface system including an account interface system website accessed on a user device, and further comprising:

  • at least one computer memory storing instructions;

    a behavioral monitoring and analysis system for monitoring account holder spending behaviors based on monitoring data received from at least a financial institution system and a merchant system, and analyzing the spending behaviors, the behavioral monitoring and analysis system further being operable to analyze account holder actions during each session on a default user interface to the account interface system website, the behavioral monitoring and analysis system being further operable to create an account holder action data file therefrom, wherein the account holder action data file is stored in a first database; and

    a processor coupled to the at least one computer memory, the processor configured to execute the stored instructions, wherein the stored instructions comprise instructions to implement the following;

    account holder customization tools presented to the account holders through the default user interface on the user device, the account holder customization tools allowing account holders to continuously modify financial data representations on a user interface display of account related parameters by inputting parameters into a computing system, wherein the modified account related parameters are stored in a second database;

    an experience customization engine for (1) revising the user interface display of account related parameters, the experience customization engine being operable to receive, over a network, the account holder action data file as well as the modified account related parameters in order to formulate a customized user interface comprising a customized user interface display of related account parameters, and (2) assembling a rewards wish list which allows account holders to prioritize rewards and for displaying progress towards the prioritized rewards, wherein each prioritized reward is automatically secured once the account holder has earned the reward; and

    user interface presentation components for presenting the account holders with both the customized user interface display and the account holder customization tools for allowing the account holders to further modify the presented user interface display.

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