Dynamic Financial Interfaces for Small-Screen Personalization

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Solution Overview

Problem

Existing mobile user interfaces for financial services are constrained by small screen sizes and vertical orientations, making customization difficult for end users.

Innovation Solution

A dynamic user interface that analyzes user financial data to generate metadata, aggregates peer user data, and modifies interface elements in real-time based on user preferences and interactions, using scripts to customize content and settings.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If mobile user interfaces are designed for small screen sizes and vertical orientations, then the interface is compatible with mobile devices, but customization capability is limited

Engineering Contradiction:

Improvecustomization capabilityVSAvoidscreen size

Core Design Contradiction:

Adaptability or versatilityVSArea of stationary object

Solution Approach 1:

The system dynamically generates and modifies interface elements based on user behavior data and preferences. Interface elements are not static but adapt in real-time to user interactions, allowing extensive customization within the constraints of mobile screen real estate. The interface evolves from a fixed layout to a dynamic, user-adaptive presentation.

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

The system changes multiple interface parameters simultaneously including content selection, layout arrangement, element sizing, and presentation format based on analyzed user preferences. By modifying these parameters dynamically, the system achieves high customization capability despite the fixed physical screen dimensions.

Inventive Principle:

Principle #35Parameter changes

2Adaptability or versatility

If interface elements are manually customized, then user preferences can be accommodated, but user effort and time are increased

Engineering Contradiction:

Improvepersonalization levelVSAvoidsettings adjustment time

Core Design Contradiction:

Adaptability or versatilityVSLoss of time

Solution Approach 1:

The system automatically performs interface customization by analyzing user behavior data and autonomously generating personalized interface elements. Users do not need to manually configure settings; instead, the system serves itself by interpreting user interactions and automatically adapting the interface, eliminating the time users would otherwise spend on manual customization.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system continuously monitors user interactions and uses this feedback to automatically adjust interface elements. By implementing a closed-loop feedback mechanism where user behavior informs subsequent interface modifications, the system achieves high personalization levels without requiring users to invest time in manual settings adjustment.

Inventive Principle:

Principle #23Feedback

3Productivity

If static interface layouts are used, then development is simplified, but user engagement is reduced

Engineering Contradiction:

Improveuser engagementVSAvoidinterface generation complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system employs a universal template-based framework that can generate multiple specialized interface variations from a single set of base templates. This multi-functional approach allows the system to create diverse, engaging interfaces without requiring separate development for each layout, thus increasing user engagement while controlling complexity through template reuse.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system pre-defines interface templates and structural elements in advance, preparing the framework before user interaction begins. This preliminary preparation allows the system to rapidly generate customized interfaces during runtime without complex real-time computation, thereby enhancing user engagement while maintaining manageable interface generation complexity.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12436780B2Systems and methods for building dynamic interfaces

Publication Date: 2025.10.07 CAPITAL ONE SERVICES LLC

AI summary

First data indicative of a first plurality of transactions by a user may be processed to generate first behavioral information describing the user. The first behavioral information may be displayed by an interactive user interface. A user input made in response to the first behavioral information may be received and analyzed to generate user preference information indicating a relationship between the first user input and the first behavioral information. Second data indicative of a second plurality of transactions by the user may be received and processed with the user preference information to generate second behavioral information describing the user. The second behavioral information may be displayed by the interactive user interface differently from the first behavioral information by the interactive user interface as a result of the processing of the second data and the user preference information together.