Customizable Financial Management Interface for Personalized Planning
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Solution Overview
Problem
Existing computer-based financial management systems are cumbersome and offer limited capabilities for financial planning and account management, particularly for individuals and small businesses.
Innovation Solution
A computer-implemented data processing system with customizable user interfaces that includes account management, cash flow planning, retirement planning, and debt management logic, allowing users to access financial data through a web interface and providing personalized financial planning tools and reports.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If existing computer-based financial management systems are used, then financial planning and account management services are provided, but the systems are cumbersome to use and have limited capabilities
Solution Approach 1:
The system divides the user interface into multiple display modules, each handling specific financial functions (account management, cash flow planning, retirement planning, debt management). This segmentation allows the interface to be customized by showing only relevant modules to different users, simplifying their view while maintaining comprehensive capabilities in the background.
Solution Approach 2:
The interface logic dynamically generates and customizes display pages based on user profiles, account types, and selected services. The system adapts the user interface in real-time to match user needs, transforming a static, one-size-fits-all interface into a dynamic, personalized experience that is both versatile and easy to use.
2Adaptability or versatility
If a comprehensive financial management system is provided with multiple services, then versatile financial planning capabilities are offered, but the system complexity increases
Solution Approach 1:
The interface logic serves multiple functions through a single component: it authenticates users, retrieves account data, determines user profiles, selects appropriate display modules, and customizes the interface layout. This multi-functionality reduces overall system complexity by consolidating interface management tasks into one versatile module rather than requiring separate components for each function.
Solution Approach 2:
The system merges account management, cash flow planning, retirement planning, and debt management services into a unified financial management platform. By combining these services under a single interface logic that automatically selects and configures relevant display modules, the system achieves versatility without proportionally increasing complexity.
3Adaptability or versatility
If personalized financial planning tools are provided for each user, then adaptability to individual needs is improved, but the interface customization complexity increases
Solution Approach 1:
The interface logic automatically performs profile determination, service selection, and display module configuration based on user inputs and account data. Instead of requiring users to manually customize their interface, the system self-adjusts to provide personalized views, achieving high adaptability while keeping the interface simple for users.
Solution Approach 2:
The system uses user inputs (account types, selected services, financial goals) as feedback to automatically configure the appropriate display modules and interface layout. This feedback mechanism enables personalized interfaces without requiring complex user configuration, as the system adapts based on the information provided during account setup and service selection.
Data Source
AI summary
Systems, methods, and computer-readable storage media for arranging a user interface based on account activity of a user are described herein. A method includes providing a user with access to online banking via a user device, providing a user interface on the user device including a plurality of display areas, and rearranging positions of the plurality of display areas of the user interface based on the user selecting an auto-arrange option. Selection of the auto-arrange option causes at least one of the plurality of display areas on the user interface to be arranged in a new position based on account activity of the user.