Adaptive and Customizable Account Interface System and Method

摘要

The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

主权项

1. A computer-implemented account interface system operated in cooperation with a financial institution on behalf of multiple account holders, the account interface system comprising:
a behavioral monitoring and analysis system for monitoring account holder spending behaviors and analyzing the spending behaviors; account holder customization tools presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system; an experience customization engine implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools in order to formulate the user interface display of related account parameters; and user interface presentation components for presenting the account holders with a user interface display of account parameters and the account holder customization tools for allowing the account holders to modify the presented user interface display.