# US 10,768,950 B2 · Systems and methods for building dynamic interfaces

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- Number: US 10,768,950 B2
- Document ID: US10768950B2
- Status: Granted
- Kind: B2
- Application number: 16/108,865
- Filed: 2018-08-22
- Published: 2020-02-27
- Granted: 2020-09-08
- Earliest claimed: 2018-08-22
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Colin Hart; Jason Ji; Alexandra A. Colevas; Steven Quadros; Adnan Malik; Jared M. Alexander; Scott Golder; Allison Abbott; Matthew Horton; Emma Sagan; Kevan Emmott; Christine Ann Berglund
- Web page: https://patentgrep.com/patent/US10768950B2

## CPC

- G06F 9/451: Execution arrangements for user interfaces
- G06F 3/0482: Interaction with lists of selectable items, e.g. menus
- G06F 9/4451: {User profiles; Roaming}
- G06V 40/20: Movements or behaviour, e.g. gesture recognition (recognition of facial expressions G06V40/16)
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING

## Abstract

First data indicative of a first plurality of transactions by a user may be processed to generate first behavioral information describing the user. The first behavioral information may be displayed by an interactive user interface. A user input made in response to the first behavioral information may be received and analyzed to generate user preference information indicating a relationship between the first user input and the first behavioral information. Second data indicative of a second plurality of transactions by the user may be received and processed with the user preference information to generate second behavioral information describing the user. The second behavioral information may be displayed by the interactive user interface differently from the first behavioral information by the interactive user interface as a result of the processing of the second data and the user preference information together.

## Claims

### Claim 1

A method of generating a user interface, the method comprising:
receiving, at a processor, first data indicative of a first plurality of transactions by a user;
processing, by the processor, the first data to generate first behavioral information describing the user;
causing, by the processor, the first behavioral information to be displayed by an interactive user interface within a sequence of cards displayed by the interactive user interface;
receiving, at the processor, a user input made in response to the first behavioral information being displayed through the interactive user interface;
analyzing, by the processor, the user input to generate user preference information indicating a preference for at least a portion of the first behavioral information;
receiving, at the processor, second data indicative of a second plurality of transactions by the user;
processing, by the processor, the second data and the user preference information to generate second behavioral information describing the user, the second behavioral information being generated to correspond to the preference; and
causing, by the processor and as a result of processing the second data and the user preference information to generate the second behavioral information to correspond to the preference, the second behavioral information to be displayed by the interactive user interface as part of a sequence of cards, wherein a greater number of cards containing the second behavioral information are displayed within the sequence than a number of cards containing the first behavioral information within the sequence by the interactive user interface.

### Claim 2 (depends on 1)

The method of claim 1, wherein:
at least one of processing the first data and processing the second data comprises:
identifying a plurality of peer users having at least one characteristic in common with the user;
receiving peer data indicative of a plurality of transactions by the peer users; and
generating peer behavioral information describing the peer users; and
the method further comprises causing, by the processor, the peer behavioral information to be displayed by the interactive user interface.

### Claim 3 (depends on 2)

The method of claim 2, wherein the method further comprises preventing, by the processor, information identifying the peer users from being included in the peer behavioral information displayed by the interactive user interface.

### Claim 4 (depends on 1)

The method of claim 1, wherein:
at least one of processing the first data and processing the second data comprises using at least one script to generate at least one card; and
the interactive user interface includes the at least one card.

### Claim 5 (depends on 4)

The method of claim 4, further comprising generating, by the processor, the at least one script.

### Claim 6 (depends on 1)

The method of claim 1, wherein:
analyzing the user input comprises identifying a portion of the first behavioral information that is of interest to the user based on at least one previously recorded indication of user interest as at least a portion of the user preference information; and
processing the second data and the user preference information comprises selecting a portion of the second data including a same type of data as the portion of the first behavioral information that is of interest to the user as at least a portion of the second behavioral information.

### Claim 7 (depends on 1)

The method of claim 1, wherein:
analyzing the user input comprises identifying a portion of the first behavioral information that is of no interest to the user based on at least one previously recorded indication of user interest as at least a portion of the user preference information; and
processing the second data and the user preference information comprises excluding a portion of the second data including a same type of data as the portion of the first behavioral information that is of no interest to the user from the second behavioral information.

### Claim 8 (depends on 1)

The method of claim 1, further comprising:
causing, by the processor, an option to adjust a user account setting based on at least one of the first behavioral information and the second behavioral information to be displayed by the interactive user interface;
receiving, at the processor, a user command in response to the option; and
adjusting, by the processor, the user account setting based on the user command.

### Claim 9

A financial account server device comprising:
a processor; and
a non-transitory memory in communication with the processor, the memory storing instructions that, when executed by the processor, cause the processor to perform processing comprising:
processing a first plurality of transactions by a user;
analyzing the first plurality of transactions to generate first behavioral information describing the user;
sending the first behavioral information to a user device for display by an interactive user interface of the user device within a sequence of cards displayed by the interactive user interface;
receiving, from the user device, a user input made in response to the first behavioral information being displayed through the interactive user interface;
analyzing the user input to generate user preference information indicating a preference for at least a portion of the first behavioral information;
processing a second plurality of transactions by the user;
analyzing the second plurality of transactions and the user preference information to generate second behavioral information describing the user, the second behavioral information being generated to correspond to the preference; and
sending the second behavioral information to the user device for display by the interactive user interface as part of a sequence of cards, wherein a greater number of cards containing the second behavioral information are displayed within the sequence than a number of cards containing the first behavioral information within the sequence by the interactive user interface.

### Claim 10 (depends on 9)

The device of claim 9, wherein:
at least one of analyzing the first plurality of transactions and analyzing the second plurality of transactions comprises:
identifying a plurality of peer users having at least one characteristic in common with the user;
receiving peer data indicative of a plurality of transactions by the peer users; and
generating peer behavioral information describing the peer users; and
the instructions further cause the processor to perform processing comprising sending the peer behavioral information to the user device to be displayed by the interactive user interface.

### Claim 11 (depends on 10)

The device of claim 10, wherein the instructions further cause the processor to perform processing comprising preventing information identifying the peer users from being included in the peer behavioral information displayed by the interactive user interface.

### Claim 12 (depends on 9)

The device of claim 9, wherein:
at least one of analyzing the first plurality of transactions and analyzing the second plurality of transactions comprises using at least one script to generate at least one card for display by the interactive user interface.

### Claim 13 (depends on 12)

The device of claim 12, wherein the instructions further cause the processor to perform processing comprising generating the at least one script.

### Claim 14 (depends on 9)

The device of claim 9, wherein:
analyzing the user input comprises identifying a portion of the first behavioral information that is of interest to the user based on at least one previously recorded indication of user interest as at least a portion of the user preference information; and
analyzing the second plurality of transactions and the user preference information comprises selecting a portion of the second data including a same type of data as the portion of the first behavioral information that is of interest to the user as at least a portion of the second behavioral information.

### Claim 15 (depends on 9)

The device of claim 9, wherein:
analyzing the user input comprises identifying a portion of the first behavioral information that is of no interest to the user based on at least one previously recorded indication of user interest as at least a portion of the user preference information; and
analyzing the second plurality of transactions and the user preference information comprises excluding a portion of the second data including a same type of data as the portion of the first behavioral information that is of no interest to the user from the second behavioral information.

### Claim 16 (depends on 9)

The device of claim 9, wherein the instructions further cause the processor to perform processing comprising:
sending data to the user device causing an option to adjust a user account setting based on at least one of the first behavioral information and the second behavioral information to be displayed by the interactive user interface;
receiving a user command from the user device in response to the option; and
adjusting the user account setting based on the user command.

### Claim 17

A user device comprising: a display;
an input device;
a processor in communication with the display and the input device; and a non-transitory memory in communication with the processor, the memory storing instructions that, when executed by the processor, cause the processor to perform processing comprising:
sending data requesting a first plurality of transactions by a user to a financial account server device;
receiving first behavioral information based on the first plurality of transactions from the financial account server device;
displaying an interactive user interface including the first behavioral information within a sequence of cards displayed by the interactive user interface on the display;
receiving a user input made in response to the first behavioral information being displayed on the display through the input device;
sending data describing the user input to the financial account server device;
analyzing the user input to generate user preference information indicating a preference for at least a portion of the first behavioral information;
sending data requesting a second plurality of transactions by the user to the financial account server device;
receiving second behavioral information based on the second plurality of transactions and the data describing the user input from the financial account server device, the second behavioral information is generated to correspond to the preference; and
displaying the interactive user interface including the second behavioral information on the display as part of a sequence of card, wherein a greater number of cards containing the second behavioral information are displayed within the sequence than a number of cards containing the first behavioral information within the sequence by the interactive user interface as a result of analyzing of the second plurality of transactions and the user preference information.

### Claim 18 (depends on 17)

The device of claim 17, wherein:
the user input identifies a portion of the first behavioral information that is of interest to the user based on at least one previously recorded indication of user interest as at least a portion of the user preference information; and
the second behavioral information that is displayed differently from the first behavioral information includes a portion of the second data similar to the portion of the first behavioral information that is of interest to the user.

### Claim 19 (depends on 17)

The device of claim 17, wherein:
the user input identifies a portion of the first behavioral information that is of no interest to the user based on at least one previously recorded indication of user interest as at least a portion of the user preference information; and
the second behavioral information that is displayed differently from the first behavioral information excludes a portion of the second data including a same type of data as the portion of the first behavioral information that is of no interest to the user.

### Claim 20 (depends on 17)

The device of claim 17, wherein the instructions further cause the processor to perform processing comprising:
displaying an option to adjust a user account setting based on at least one of the first behavioral information and the second behavioral information on the display;
receiving a user command through the input device in response to the option; and sending the user command to the financial account server device.