# US 11,442,753 B1 · Apparatuses, computer-implemented methods, and computer program products for displaying dynamic user interfaces to multiple users on the same interface

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- Number: US 11,442,753 B1
- Document ID: US11442753B1
- Status: Granted
- Kind: B1
- Application number: 17/070,404
- Filed: 2020-10-14
- Granted: 2022-09-13
- Earliest claimed: 2020-10-14
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Ramanathan Ramanathan; Chris Theodore Kalaboukis; Andrew J. Garner, IV; Abhijit Rao; Andres J. Saenz
- Web page: https://patentgrep.com/patent/US11442753B1

## CPC

- G06F 9/451: Execution arrangements for user interfaces
- G06F 21/6254: {by anonymising data, e.g. decorrelating personal data from the owner's identification}
- G06F 16/955: using information identifiers, e.g. uniform resource locators [URL]
- G06F 21/31: User authentication
- G06F 21/604: {Tools and structures for managing or administering access control systems}
- G06F 21/6245: {Protecting personal data, e.g. for financial or medical purposes}
- G06F 21/84: output devices, e.g. displays or monitors
- G06Q 30/0641: {utilising user interfaces specially adapted for shopping}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q 50/265: {Personal security, identity or safety}
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Methods, apparatuses, and computer program products are disclosed for dynamic user interfaces. An example computer-implemented method includes receiving a communication channel request from a user device and establishing a communication channel with the user device. The computer-implemented method also includes receiving an indication that a first user and a second user are accessing the communication channel via the user device and generating a hybrid interface. The hybrid interface includes blended interface data based upon first user parameter data associated with the first user and second user parameter data associated with the second user, first personalized interface data based upon the first user parameter data, and second personalized interface data based upon the second user parameter data. The computer-implemented method may include causing the first personalized interface data and/or the second personalized interface data to be obscured.

## Claims

### Claim 1

A computer-implemented method for dynamic user interfaces, the method comprising:
receiving a communication channel request from a user device;
establishing a communication channel with the user device;
receiving an indication that a first user and a second user are accessing the communication channel via the same user device;
generating a hybrid interface comprising:
blended interface data based upon first user parameter data associated with the first user and second user parameter data associated with the second user;
first personalized interface data based upon the first user parameter data; and
second personalized interface data based upon the second user parameter data;
determining that the first user is viewing the first personalized interface data of the hybrid interface;
determining that the second user is viewing the second personalized interface data of the hybrid interface;
determining that the first user is attempting to view the second personalized interface data or that the second user is attempting to view the first personalized interface data;
in response to the second user's attempt to view the first personalized interface data, causing the first personalized interface data to be obscured from view by the second user; and
in response to the first user's attempt to view the second personalized interface data, causing the second personalized interface data to be obscured from view by the first user.

### Claim 2 (depends on 1)

The computer-implemented method according to claim 1, wherein establishing the communication channel with the user device further comprises generating an initial interface based upon one or more attributes associated with the communication channel request.

### Claim 3 (depends on 2)

The computer-implemented method according to claim 2, wherein generating the hybrid interface comprises modifying the initial interface based on at least one of the blended interface data, the first personalized interface data, or the second personalized interface data.

### Claim 4 (depends on 1)

The computer-implemented method according to claim 1, further comprising transmitting at least a portion of the first personalized interface data to a first user device associated with the first user.

### Claim 5 (depends on 1)

The computer-implemented method according to claim 1, further comprising transmitting at least a portion of the second personalized interface data to a second user device associated with the second user.

### Claim 6 (depends on 1)

The computer-implemented method according to claim 1, further comprising:
determining a relative position between the first user and the second user;
determining a change in the relative position; and
modifying the rendered hybrid interface in response to the determined change.

### Claim 7 (depends on 1)

The computer-implemented method according to claim 1, further comprising:
determining a change in position of the second user relative the rendered hybrid interface; and
modifying the rendered hybrid interface to ensure that the first personalized interface data remains obscured from view by the second user.

### Claim 8 (depends on 1)

The computer-implemented method according to claim 1, wherein:
the first personalized interface data is obscured from view by the second user by dynamically adjusting the polarization, brightness, aspect ratio, or contrast of one or more pixels displaying the first personalized interface data; and
the second personalized interface data is obscured from view by the first user by dynamically adjusting the polarization, brightness, aspect ratio, or contrast of one or more pixels displaying the second personalized interface data.

### Claim 9

An apparatus for dynamic user interfaces comprising at least one processor and at least one memory, the at least one memory having computer-code instructed stored thereon that, in execution with the at least one processor, configure the apparatus to:
receive a communication channel request from a user device;
establish a communication channel with the user device;
receive an indication that a first user and a second user are accessing the communication channel via the same user device;
generate a hybrid interface comprising:
blended interface data based upon first user parameter data associated with the first user and second user parameter data associated with the second user;
first personalized interface data based upon the first user parameter data; and
second personalized interface data based upon the second user parameter data;
determine that the first user is viewing the first personalized interface data of the hybrid interface;
determine that the second user is viewing the second personalized interface data of the hybrid interface;
determine that the first user is attempting to view the second personalized interface data or that the second user is attempting to view the first personalized interface data;
in response to the second user's attempt to view the first personalized interface data, cause the first personalized interface data to be obscured from view by the second user; and
in response to the first user's attempt to view the second personalized interface data, cause the second personalized interface data to be obscured from view by the first user.

### Claim 10 (depends on 9)

The apparatus according to claim 9, further configured to generate an initial interface based upon one or more attributes associated with the communication channel request.

### Claim 11 (depends on 10)

The apparatus according to claim 10, further configured to modify the initial interface based on at least one of the blended interface data, the first personalized interface data, or the second personalized interface data.

### Claim 12 (depends on 9)

The apparatus according to claim 9, further configured to transmit at least a portion of the first personalized interface data to a first user device associated with the first user.

### Claim 13 (depends on 9)

The apparatus according to claim 9, further configured to transmit at least a portion of the second personalized interface data to a second user device associated with the second user.

### Claim 14 (depends on 9)

The apparatus according to claim 9, further configured to:
determine a relative position between the first user and the second user;
determine a change in the relative position; and
modify the rendered hybrid interface in response to the determined change.

### Claim 15 (depends on 9)

The apparatus according to claim 9, wherein:
the first personalized interface data is obscured from view by the second user by dynamically adjusting the polarization, brightness, aspect ratio, or contrast of one or more pixels displaying the first personalized interface data; and
the second personalized interface data is obscured from view by the first user by dynamically adjusting the polarization, brightness, aspect ratio, or contrast of one or more pixels displaying the second personalized interface data.

### Claim 16

A non-transitory computer-readable storage medium for dynamic user interfaces, the non-transitory computer-readable storage medium storing instructions that, when executed, cause an apparatus to:
receive a communication channel request from a user device;
establish a communication channel with the user device;
receive an indication that a first user and a second user are accessing the communication channel via the same user device;
generate a hybrid interface comprising:
blended interface data based upon first user parameter data associated with the first user and second user parameter data associated with the second user;
first personalized interface data based upon the first user parameter data; and
second personalized interface data based upon the second user parameter data;
determine that the first user is viewing the first personalized interface data of the hybrid interface;
determine that the second user is viewing the second personalized interface data of the hybrid interface;
determine that the first user is attempting to view the second personalized interface data or that the second user is attempting to view the first personalized interface data;
in response to the second user's attempt to view the first personalized interface data, cause the first personalized interface data to be obscured from view by the second user; and
in response to the first user's attempt to view the second personalized interface data, cause the second personalized interface data to be obscured from view by the first user.

### Claim 17 (depends on 16)

The non-transitory computer-readable storage medium according to claim 16 storing instruction that, when executed, cause the apparatus to generate an initial interface based upon one or more attributes associated with the communication channel request.

### Claim 18 (depends on 17)

The non-transitory computer-readable storage medium according to claim 17 storing instruction that, when executed, cause the apparatus to modify the initial interface based on at least one of the blended interface data, the first personalized interface data, or the second personalized interface data.

### Claim 19 (depends on 16)

The non-transitory computer-readable storage medium according to claim 16 storing instruction that, when executed, cause the apparatus to transmit at least a portion of the first personalized interface data to a first user device associated with the first user and transmit at least a portion of the second personalized interface data to a second user device associated with the second user.

### Claim 20 (depends on 16)

The non-transitory computer-readable storage medium according to claim 16 storing instruction that, when executed, cause the apparatus to:
determine a relative position between the first user and the second user;
determine a change in the relative position; and
modify the rendered hybrid interface in response to the determined change.

### Claim 21 (depends on 16)

The non-transitory computer-readable storage medium according to claim 16, wherein:
the first personalized interface data is obscured from view by the second user by dynamically adjusting the polarization, brightness, aspect ratio, or contrast of one or more pixels displaying the first personalized interface data; and
the second personalized interface data is obscured from view by the first user by dynamically adjusting the polarization, brightness, aspect ratio, or contrast of one or more pixels displaying the second personalized interface data.