Patent Issued for Systems and methods for generating personalized accounting analysis videos (USPTO 11869074): United Services Automobile Association

2024 JAN 29 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- United Services Automobile Association (San Antonio, Texas, United States) has been issued patent number 11869074, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Catsifas, Christine (San Antonio, TX, US), Mendivil, Marty Lee (San Antonio, TX, US), Parekh, Vikram (San Antonio, TX, US), Pollock, Scott (San Antonio, TX, US), Rohde, Staci (La Vernia, TX, US), Rosenburg, Marcos (San Antonio, TX, US), Sobinovsky, Evan (San Antonio, TX, US), Van Cleve, Mikel (San Antonio, TX, US).

This patent was filed on June 15, 2022 and was published online on January 9, 2024.

From the background information supplied by the inventors, news correspondents obtained the following quote: “The present disclosure relates generally to generating personalized videos related to an individual’s financial status. More specifically, the present disclosure relates to generating visualizations depicted via an electronic display to assist individuals in improving their respective financial statuses.

“This section is intended to introduce the reader to various aspects of art that may be related to various aspects of the present disclosure, which are described and/or claimed below. This discussion is believed to be helpful in providing the reader with background information to facilitate a better understanding of the various aspects of the present disclosure. Accordingly, it may be understood that these statements are to be read in this light, and not as admissions of prior art.

“As financial databases of different organizations become more readily available and accessible for queries, systems may retrieve account status information for different individuals from different organizations at various times. To better inform individuals with regard to improving their respective financial statuses, it may be beneficial to leverage the available data and present an individual with personalized information related to improving his financial status or achieving his financial goals.”

Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “One or more specific embodiments will be described below. In an effort to provide a concise description of these embodiments, not all features of an actual implementation are described in the specification. It should be appreciated that in the development of any such actual implementation, as in any engineering or design project, numerous implementation-specific decisions must be made to achieve the developers’ specific goals, such as compliance with system-related and business-related constraints, which may vary from one implementation to another. Moreover, it should be appreciated that such a development effort might be complex and time consuming, but would nevertheless be a routine undertaking of design, fabrication, and manufacture for those of ordinary skill having the benefit of this disclosure.

“When introducing elements of various embodiments of the present disclosure, the articles “a,” “an,” and “the” are intended to mean that there are one or more of the elements. The terms “comprising,” “including,” and “having” are intended to be inclusive and mean that there may be additional elements other than the listed elements. Additionally, it should be understood that references to “one embodiment” or “an embodiment” of the present disclosure are not intended to be interpreted as excluding the existence of additional embodiments that also incorporate the recited features.

“As discussed above, although current status information regarding an individual’s financial data is useful, it may be useful to receive personalized information that includes instructions related to achieving certain financial goals of an individual or to generally improve the financial status (e.g., credit score) associated with an individual. In certain embodiments, a financial video system may receive identification from an individual via an input device of any suitable computing device and use the identification information to retrieve account information regarding the individual. The account information may include data acquired from one or more databases via a network connection or the like. The databases may include financial data acquired by banking institutions, insurance institutions, credit institutions, and other financial institutions.

“As such, the financial video system may have access to current financial data related to the individual, such as current account balances, current credit scores, and the like. In addition, the account information may include credit goals, account savings goals, trigger conditions for credit alerts, trigger conditions for account alerts, and the like. In one embodiment, based on the goals indicated by the account information and the current financial data related to the individual, the financial video system may generate a video message personalized for the individual that corresponds to the identification. The video message may be generated using visualizations that greet the individual by the individual’s name, provide current status information regarding the current account balances and credit scores of the individual, present information related to impacts or consequences related to the current account balances and/or current credit scores, and provide one or more suggested actions for the individual to perform to help the individual to achieve his or her goals.

“By way of introduction, FIG. 1 illustrates a video generation system 10 that includes certain components, electronic devices, and a collection of electronic devices that enable a financial video system to perform the methods described herein. As shown in FIG. 1, the video generation system 10 may include a financial service system 12 that may be communicatively coupled to a computing device 14. The financial service system 12 and the computing device 14 may be any suitable computing device, such as a mobile computing device (e.g., smart phone, tablet), a laptop computer, a personal computer, and the like. Additional details with regard to components that make up the financial service system 12 and the computing device 14 will be discussed below with reference to FIG. 2.”

The claims supplied by the inventors are:

“1. A computer system for generating video content, comprising: a bank database comprising a first set of data associated with an account status of an individual; a credit provider database comprising a second set of data associated with a credit status of the individual; at least one computer processor configured to: receive an indication that the credit status of the individual has changed from a computing system associated with a credit authority; retrieve the first set of data from the bank database and the second set of data from the credit provider database; identify at least two credit scenarios from a database comprising a plurality of credit scenarios based on the first set of data and the second set of data; determine at least two savings amounts per bill pay cycle based on the at least two credit scenarios; determine a target savings amount based on the at least two savings amounts; generate a personalized financial video associated with the individual based on the target savings amount to improve the credit status of the individual; identify one or more organizations to assist the individual in improving the credit status of the individual; generate one or more website links configured to access one or more computing systems corresponding to the one or more organizations; embed the one or more website links into the personalized financial video; and transmit the personalized financial video comprising the one or more website links to a computing device associated with the individual, wherein the computing device is configured to automatically present the personalized financial video upon receipt, wherein the one or more website links are represented as one or more graphical icons superimposed within the personalized financial video, and wherein the one or more graphical icons are configured to receive one or more inputs from the individual while the personalized financial video is being played via the computing device, and wherein in response to receiving the one or more inputs, the computing device is configured to communicatively couple to the one or more computing systems via the one or more website links, and navigate to one or more websites that correspond to the one or more website links.

“2. The computer system of claim 1, wherein the target savings amount is based on the at least two savings amounts, a debt-to-credit ratio of the individual, a debt-to-asset ratio of the individual, a debt-to-income ratio of the individual, or any combination thereof.

“3. The computer system of claim 1, comprising a credit scenario database is indexed with respect to a credit status increase.

“4. The computer system of claim 1, wherein the personalized financial video comprises an animation configured to greet the individual, present a current financial status based on the first set of data and the second set of data, present one or more actions configured to assist the individual to achieve a financial goal, or any combination thereof.

“5. The computer system of claim 1, wherein the at least one computer processor is configured to: receive a third set of data from the bank database and a fourth set of data from the credit provider database after transmitting the personalized financial video to the computing device; and send a notification indicative of the individual performing an action that will inhibit the individual in achieving a financial goal associated with the personalized financial video based on the third set of data and the fourth set of data.

“6. The computer system of claim 1, wherein the second set of data comprises an available credit line, credit score, one or more outstanding debts, or any combination thereof.

“7. The computer system of claim 1, wherein the at least one computer processor configured to: determine a new credit scenario corresponding to the target savings amount for the personalized financial video; and store the new credit scenario in the database.

“8. The computer system of claim 1, wherein the first set of data comprises information related to one or more account balances, one or more spending trends, one or more deposit amounts, income, one or more debts, one or more mortgages, or any combination thereof.

“9. A non-transitory computer-readable medium comprising computer-executable instructions that, when executed by at least one computer processor, are configured to cause the at least one computer processor to: receive an indication associated with a credit status change of an individual from a computing system associated with a credit authority; query a bank database for a first set of data associated with an account status of the individual; query a credit provider database for a second set of data associated with the credit status of the individual; identify at least two credit scenarios from a database comprising a plurality of credit scenarios based on the first set of data and the second set of data; determine at least two savings amounts per bill pay cycle based on the at least two credit scenarios; determine a target savings amount based on the at least two savings amounts; generate a personalized financial video associated with the individual based on the target savings amounts to improve the credit status of the individual; identify one or more organizations to assist the individual in improving the credit status of the individual; generate one or more website links configured to access one or more computing systems corresponding to the one or more organizations; embed the one or more website links into the personalized financial video; and transmit the personalized financial video comprising the one or more website links to a computing device associated with the individual, wherein the computing device is configured to automatically present the personalized financial video upon receipt, and wherein the one or more website links are represented as one or more graphical icons superimposed within the personalized financial video.

“10. The non-transitory computer-readable medium of claim 9, wherein the first set of data comprises information related to one or more account balances, one or more spending trends, one or more deposit amounts, income, one or more debts, one or more mortgages, or any combination thereof.

“11. The non-transitory computer-readable medium of claim 9, wherein the second set of data comprises an available credit line, credit score, one or more outstanding debts, or any combination thereof.

“12. The non-transitory computer-readable medium of claim 9, wherein the at least one computer processor is configured to generate the personalized financial video based on a third set of data accessed via a video content database, wherein the third set of data comprises one or more animations configured to be encoded with identification information for the individual.

“13. The non-transitory computer-readable medium of claim 9, wherein the personalized financial video comprises audio data that includes one or more audio files configured to greet the individual, present a current financial status based on the first set of data and the second set of data, present one or more actions configured to assist the individual to achieve a financial goal, or any combination thereof.

“14. The non-transitory computer-readable medium of claim 9, wherein the at least one computer processor is configured to: retrieve a third set of data from an additional database comprising a collection of information from one or more electronic news sources; and generate the personalized financial video based on the first set of data, the second set of data, and the third set of data.

“15. The non-transitory computer-readable medium of claim 14, wherein the third set of data comprises information associated with an economy, one or more interest rates, one or more stock market prices, or any combination thereof.”

There are additional claims. Please visit full patent to read further.

For the URL and additional information on this patent, see: Catsifas, Christine. Systems and methods for generating personalized accounting analysis videos. U.S. Patent Number 11869074, filed June 15, 2022, and published online on January 9, 2024. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11869074)&db=USPAT&type=ids

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