Customized graphical user interface leveraging dynamic customer relationship chains
AssigneeBank of America Corporation
InventorManu Kurian
Life of this patent
Estimating the term…
Abstract
Apparatus and methods are provided for adjusting a display on a graphical user interface (“GUI”) of a first customer's online banking portal. The adjusting may be performed by leveraging transactional and behavioral data of a second customer and a third customer. The second customer may have a relationship with the first customer. The third customer may have a relationship with the second customer and not the first customer.
Claims20
A computer-implemented method for adjusting a display on a graphical user interface (“GUI”) of a first customer's online banking portal by leveraging transactional and behavioral data of a second customer and a third customer, the second customer having a relationship with the first customer and the third customer having a relationship with the second customer and not the first customer, the method comprising:
- accessing a result of a first onboarding analysis performed for the first customer;
- based on result of the onboarding analysis, selecting and displaying an offer for a banking product on the first customer's GUI;
- calculating a first dynamic weighting factor quantifying a strength of the relationship between the first customer and the second customer, the first factor being based at least in part on a number of transactions executed between the first customer and the second customer;
- modifying a second value associated with an onboarding analysis performed for the second customer based at least in part on the first dynamic weighting factor;
- calculating a second dynamic weighting factor having no more than half of the value of the first dynamic weighting factor, second factor quantifying a strength of the relationship between the second customer and the third customer, the second factor being based at least in part on a number of transactions executed between the second customer and the third customer;
- modifying a third value associated with an onboarding analysis of the third customer based at least in part on the second dynamic weighting factor;
- combining the modified second value and the modified third value;
- using the combined, modified second and third values to modify the result of the first onboarding analysis;
- and
- in response to determining that the modified result of the first onboarding analysis is above a threshold value, removing the offer for the banking product from the first customer's GUI.
A computer-implemented method for modifying a display on a graphical user interface (“GUI”) of a first customer's online banking portal by leveraging transactional and behavioral data of a second customer and a third customer, the second customer having a relationship with the first customer and the third customer having a relationship with the second customer and not the first customer, the method comprising:
- accessing a result of an onboarding analysis performed for the first customer;
- based on result of the onboarding analysis, selecting an offer for a banking product for displaying on the first customer's GUI;
- identifying the second customer, the second customer being an authorized user of a first customer bank account;
- calculating a first dynamic weighting factor quantifying a strength of the relationship between the first customer and the second customer, the first factor being based at least in part on a number of transactions executed by the second customer in the second customer's role as the authorized user;
- modifying a second value associated with an onboarding analysis of the second customer based at least in part on the first dynamic weighting factor;
- identifying a third customer, the third customer having a familial relationship with the second customer;
- retrieving a second dynamic weighting factor associated with the familial relationship and halving the value to reflect the degree of separation between the first and the third customer;
- modifying a third value associated with an onboarding analysis of the third customer based at least in part on the halved second dynamic weighting factor;
- combining the modified second and third values;
- and
- modifying a result of an onboarding analysis performed for the first customer based on the combined, modified second and third values;
- and
- based on the modified first customer onboarding analysis, removing the offer for the banking product from the first customer's GUI.
A computer-implemented method for modifying a display on a graphical user interface (“GUI”) of a first customer's online banking portal by leveraging a joint onboarding analysis performed for a first customer, the joint onboarding analysis including accessing and weighting results from previously-performed onboarding analysis for a second customer and a third customer, the method comprising:
- receiving a request from the first customer to include the second customer and the third customer in the first customer's onboarding analysis;
- performing an onboarding analysis of the first customer;
- pulling results of an onboarding analysis previously performed for the second customer and results of an onboarding analysis previously performed for the third customer;
- calculating a first dynamic weighting factor quantifying a strength of a relationship between the first customer and the second customer;
- using the first weighting factor to modify the results of the second customer's onboarding analysis;
- calculating a second dynamic weighting factor quantifying a strength of a relationship between the first customer and the third customer;
- using the second weighting factor to modify the results of the third customer's onboarding analysis;
- modifying the result of the first customer's onboarding analysis based on the modified results of the second and third customer's onboarding analysis;
- and
- in the event that the modified result of the first customer's onboarding analysis is above a critical threshold value, displaying on the first customer's graphical user interface an offer for a banking product.
Dependencies are inferred from the claim text.