Financial advertisements based on user photographs associated with user spending behavior

A method, comprising:

• receiving, by a user computing device associated with a user, user photograph data including a set of user photographs;
• analyzing, by the user computing device, the user photograph data to determine user information, the user information comprising at least one of family information, user interests, or user preferences;
• determining, by the user computing device, an emotive state of the user in each of the photographs in the set of user photographs;
• categorizing, by the user computing device, each of the photographs based on the determined emotive states of the user, each of the photographs categorized into at least one of a user positive emotion category and a user negative emotion category;
• responsive to categorizing each of the photographs, formatting each of the photographs of the user photograph data into a compressed state for presentation to the user on the display device;
• storing each of the compressed photographs in the memory in association with a banking client application of the user computing device;
• retrieving, by the user computing device, a subset of the compressed user photograph data from memory;
• transmitting, via the network interface to the financial institution computing system, an information request for spending behavior data associated with the user, the information request comprising a unique user identifier;
• receiving, by the user computing device from the financial institution computing system, the spending behavior data indicative of spending behavior of the user and user transaction data associated with the spending behavior data from a financial institution computing system associated with a financial institution;
• generating, responsive to receipt of the spending behavior data, a set of financial guidelines based on the user transaction data and the user information obtained from the user photograph data, the set of financial guidelines including a budget;
• generating, responsive to generation of the set of financial guidelines, a set of transaction parameters defining one or more transactions to be avoided based on the budget of the user;
• identifying, by the user computing device, based on the transaction data and the spending behavior data, a transaction that causes a deviation from the budget of the user;
• identifying, by the user computing device, a characteristic of the transaction based on at least one of the transaction data, the spending behavior data, or the subset of the user photograph data, the characteristic including at least one of a type of transaction, a time of the transaction, a party of the transaction, an individual with the user during the transaction, or a geographical location of the transaction;
• identifying a correlation between the characteristic of the transaction and a timing of a user photograph;
• generating, by the user computing device, a user alert trigger based on the characteristic of the transaction and the correlation between the characteristic of the transaction and the timing of the user photograph;
• determining a match between the user alert trigger and a financial goal of the user;
• receiving, by the user computing device, user data periodically from at least one of the financial institution computing system or a third party client application;
• determining, by the user computing device, the user data correlates with an alert trigger that matches the user alert trigger;
• generating, by the user computing device, an advertisement based on the received spending behavior data, wherein the advertisement includes the compressed subset of the user photograph data categorized within at least one of the user positive emotion category and the user negative emotion category, the compressed subset of user photograph data related to the generated set of financial guidelines;
• and
• presenting, via a display device of the user computing device, the advertisement to the user.

A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a processor of a user computing device associated with a user, causes the user computing device to perform operations to provide an alert to the user, the operations comprising:

• receiving user photograph data including a set of user photographs;
• analyzing the user photograph data to determine user information, the user information comprising at least one of family information, user interests, or user preferences;
• determining an emotive state of the user in each of the photographs in the set of user photographs;
• categorizing each of the photographs based on the determined emotive states of the user, each of the photographs categorized into at least one of a user positive emotion category and a user negative emotion category;
• responsive to categorizing each of the photographs, formatting each of the photographs of the user photograph data into a compressed state for presentation to the user on the display device;
• storing each of the compressed photographs in the memory in association with a banking client application of the user computing device;
• retrieving a subset of the compressed user photograph data from the memory;
• transmitting, via the network interface to the financial institution computing system, an information request for spending behavior data associated with the user, the information request comprising a unique user identifier;
• receiving, from the financial institution computing system, the spending behavior data indicative of a spending behavior of the user and user transaction data associated with the spending behavior data from a financial institution computing system associated with a financial institution;
• generating, responsive to receipt of the spending behavior data, a set of financial guidelines based on the user transaction data and the user information obtained from the user photograph data, the set of financial guidelines including a budget;
• generating, responsive to generation of the set of financial guidelines, a set of transaction parameters defining one or more transactions to be avoided based on the budget of the user;
• identifying, based on the transaction data and the spending behavior data, a transaction that causes a deviation from the budget of the user;
• identifying a characteristic of the transaction based on at least one of the transaction data, the spending behavior data, or the subset of the user photograph data, the characteristic including at least one of a type of transaction, a time of the transaction, a party of the transaction, an individual with the user during the transaction, or a geographical location of the transaction;
• identifying a correlation between the characteristic of the transaction and a timing of a user photograph;
• generating a user alert trigger based on the characteristic of the transaction and the correlation between the characteristic of the transaction and the timing of the user photograph;
• determining a match between the user alert trigger and a financial goal of the user;
• receiving user data periodically from at least one of the financial institution computing system or a third party client application;
• determining the user data correlates with an alert trigger that matches the user alert trigger;
• generating, by the user computing device, an advertisement based on the received spending behavior data, wherein the advertisement includes the formatted compressed subset of the user photograph data categorized within at least one of the user positive emotion category and the user negative emotion category, the compressed subset of user photograph data related to the generated set of financial guidelines;
• and
• presenting, via a display device of the user computing device, the advertisement.