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 customizable account interface and fraud detection system comprising:
at least one computer memory storing an account holder account history, the account history including transaction data, the transaction data including transaction amount, merchant, transaction category, transaction location, and transaction date; a behavioral monitoring system monitoring account holder behaviors and storing transaction data in the computer memory; a fraud prevention system for detecting suspected fraudulent behavior and interacting with the behavioral monitoring system, the behavioral monitoring system operable to,
detect a predetermined account activity;generate, resultant to the detected predetermined account activity, a pop-up window providing a link to an out-of-office interface over a network to an account holder device enabling the account holder to enter out-of office settings; anddeliver entered out-of-office settings to the fraud prevention system to enable automatic adjustment of fraud monitoring policies; an account holder input interface allowing the account holder to select a display mode, wherein selectable display modes include at least a transaction by category display mode, a transaction by amount display mode, and a transaction by date display mode, each of the display modes displaying an account holder interface conveying the transaction data; and at least one computer processor accessing the computer memory and executing instructions to perform steps including:
receiving, over the network, account holder input for selection of a display mode to the account holder input interface;processing the account holder input and applying the account holder input to the stored transaction data;generating a display for an output interface based on the application of the account holder input to the stored transaction data to display at least one of a transaction by category display mode, a transaction by amount display mode, and a transaction by date display mode, andproviding account holders with selectable disallowed spending behaviors through the account holder input interface; wherein the fraud detection system is capable of identifying an attempt to engage in a selected disallowed spending behavior and to further notify the account holder that the disallowed spending behavior is a potentially fraudulent transaction via the output interface.