US 11,455,681 B1Granted

Adaptive financial advisor

AssigneeUnited Services Automobile Association (USAA)

InventorsTeddy Joseph Edmond Voutour, David C. Ault, Christina N. Nickel

Life of this patent

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Abstract

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for an adaptive financial system. One of the methods includes receiving, from a user, a selected lifestyle archetype of a user, wherein the selected lifestyle archetype identifies a predetermined allocation of income and spending. The method includes monitoring financial activities of the user. The method also includes providing feedback to the user based on the monitoring and the selected lifestyle archetype.

Claims20

Dependent claims

A computer-implemented method, comprising:

retrieving, by at least one processor of a computing system, financial data from a database, the financial data representing financial activities of a user;
monitoring, by the computing system, the financial activities of the user;
determining, by the computing system, a first lifestyle archetype of the user based at least partly on at least one of:
the monitoring of the financial activities of the user or received selection data indicating user selection of the first lifestyle archetype;
comparing, by the computing system, the financial activities of the user with financial activities of at least one different user having a lifestyle archetype substantially similar to the first lifestyle archetype of the user;
generating, by the computing system, a rating of the user based at least partly on the comparing of the financial activities of the user with the financial activities of the at least one different user;
determining, by the computing system, first financial advice for the user based on the first lifestyle archetype and the rating of the user;
transmitting first graphical user interface data that, when rendered on a display device of a user device of the user, renders a graphical user interface with one or more visual representations of the first financial advice;
determining, by the computing system and based at least partly on the monitoring of the financial activities of the user, that the financial activities of the user more match a second lifestyle archetype relative to the first lifestyle archetype, wherein the second lifestyle archetype is a different lifestyle archetype from the first lifestyle archetype:
transmitting second graphical user interface data that, when rendered on the display device of the user device of the user, renders a graphical user interface with a prompt to the user to confirm that they identify with the second lifestyle archetype;
receiving, through the graphical user interface, feedback data from the user device, the feedback data indicating that the user confirmed that they identify with the second lifestyle archetype;
updating, responsive to receiving the feedback data, the rating of the user based on the second lifestyle archetype;
determining, by the computing system, second financial advice for the user based on the second lifestyle archetype and the updated rating of the user, wherein the second financial advice is adapted to the second lifestyle archetype and the updated rating of the user;
and
transmitting third graphical user interface data that, when rendered on the display device of the user device of the user, renders a graphical user interface with one or more visual representations of the second financial advice.

12 more elements

A system comprising:

one or more computers and one or more storage devices storing instructions that are operable, when executed by the one or more computers, to cause the one or more computers to perform operations comprising:
retrieving financial data from a database, the financial data representing financial activities of a user;
monitoring the financial activities of the user;
determining a first lifestyle archetype of the user based at least partly on at least one of:
the monitoring of the financial activities of the user or received selection data indicating user selection of the first lifestyle archetype;
comparing the financial activities of the user with financial activities of at least one different user having a lifestyle archetype substantially similar to the first lifestyle archetype of the user;
generating a rating of the user based at least partly on the comparing of the financial activities of the user with the financial activities of the at least one different user;
determining first financial advice for the user based on the first lifestyle archetype and the rating of the user;
transmitting first graphical user interface data that, when rendered on a display device of a user device of the user, renders a graphical user interface with one or more visual representations of the first financial advice;
determining, based at least partly on the monitoring of the financial activities of the user, that the financial activities of the user more match a second lifestyle archetype relative to the first lifestyle archetype, wherein the second lifestyle archetype is a different lifestyle archetype from the first lifestyle archetype;
transmitting second graphical user interface data that, when rendered on the display device of the user device of the user, renders a graphical user interface with a prompt to the user to confirm that they identify with the second lifestyle archetype;
receiving, through the graphical user interface, feedback data from the user device, the feedback data indicating that the user confirmed that they identify with the second lifestyle archetype;
updating, responsive to receiving the feedback data, the rating of the user based on the second lifestyle archetype;
determining second financial advice for the user based on the second lifestyle archetype and the updated rating of the user, wherein the second financial advice is adapted to the second lifestyle archetype and the updated rating of the user;
and
transmitting third graphical user interface data that, when rendered on the display device of the user device of the user, renders a graphical user interface with one or more visual representations of the second financial advice.

13 more elements

A non-transitory computer storage medium encoded with computer program instructions that when executed by one or more computers cause the one or more computers to perform operations comprising:

retrieving financial data from a database, the financial data representing financial activities of a user;
monitoring the financial activities of the user;
determining a first lifestyle archetype of the user based at least partly on at least one of:
the monitoring of the financial activities of the user or received selection data indicating user selection of the first lifestyle archetype;
comparing the financial activities of the user with financial activities of at least one different user having a lifestyle archetype substantially similar to the first lifestyle archetype of the user;
generating a rating of the user based at least partly on the comparing of the financial activities of the user with the financial activities of the at least one different user;
determining first financial advice for the user based on the first lifestyle archetype and the rating of the user;
transmitting first graphical user interface data that, when rendered on a display device of a user device of the user, renders a graphical user interface with one or more visual representations of the first financial advice;
determining, based at least partly on the monitoring of the financial activities of the user, that the financial activities of the user more match a second lifestyle archetype relative to the first lifestyle archetype, wherein the second lifestyle archetype is a different lifestyle archetype from the first lifestyle archetype;
transmitting second graphical user interface data that, when rendered on the display device of the user device of the user, renders a graphical user interface with a prompt to the user to confirm that they identify with the second lifestyle archetype;
receiving, through the graphical user interface, feedback data from the user device, the feedback data indicating that the user confirmed that they identify with the second lifestyle archetype;
updating, responsive to receiving the feedback data, the rating of the user based on the second lifestyle archetype;
determining second financial advice for the user based on the second lifestyle archetype and the updated rating of the user, wherein the second financial advice is adapted to the second lifestyle archetype and the updated rating of the user;
and
transmitting third graphical user interface data that, when rendered on the display device of the user device of the user, renders a graphical user interface with one or more visual representations of the second financial advice.

12 more elements

Dependencies are inferred from the claim text.

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Abstract

A computer-implemented method, comprising:

retrieving, by at least one processor of a computing system, financial data from a database, the financial data representing financial activities of a user;
monitoring, by the computing system, the financial activities of the user;
determining, by the computing system, a first lifestyle archetype of the user based at least partly on at least one of:
the monitoring of the financial activities of the user or received selection data indicating user selection of the first lifestyle archetype;
comparing, by the computing system, the financial activities of the user with financial activities of at least one different user having a lifestyle archetype substantially similar to the first lifestyle archetype of the user;
generating, by the computing system, a rating of the user based at least partly on the comparing of the financial activities of the user with the financial activities of the at least one different user;
determining, by the computing system, first financial advice for the user based on the first lifestyle archetype and the rating of the user;
transmitting first graphical user interface data that, when rendered on a display device of a user device of the user, renders a graphical user interface with one or more visual representations of the first financial advice;
determining, by the computing system and based at least partly on the monitoring of the financial activities of the user, that the financial activities of the user more match a second lifestyle archetype relative to the first lifestyle archetype, wherein the second lifestyle archetype is a different lifestyle archetype from the first lifestyle archetype:
transmitting second graphical user interface data that, when rendered on the display device of the user device of the user, renders a graphical user interface with a prompt to the user to confirm that they identify with the second lifestyle archetype;
receiving, through the graphical user interface, feedback data from the user device, the feedback data indicating that the user confirmed that they identify with the second lifestyle archetype;
updating, responsive to receiving the feedback data, the rating of the user based on the second lifestyle archetype;
determining, by the computing system, second financial advice for the user based on the second lifestyle archetype and the updated rating of the user, wherein the second financial advice is adapted to the second lifestyle archetype and the updated rating of the user;
and
transmitting third graphical user interface data that, when rendered on the display device of the user device of the user, renders a graphical user interface with one or more visual representations of the second financial advice.

12 more elements