Abstract: An interaction account management method includes defining a financial network for an account holder, the financial network including at least the account holder and a financial advisor, wherein the financial advisor is associated with the financial institution. The method also includes storing financial account information associated with the account holder in a database, the account holder information including information input by the account holder relating to at least one financing plan. The method further includes accessing the stored account holder information, generating two or more payment options associated with the at least one financing plan based at least in part on the account holder information, receiving a recommendation over the network from the financial advisor, the recommendation relating to the at least one payment option, and displaying, on a user interface associated with a user device, the two or more payment options and recommendation.

Abstract: Systems and methods for presenting an offer to a customer are disclosed. In one embodiment, a method may include (1) a computer application executed by an electronic device comprising a computer processor receiving a selection of a financing offer from a customer; (2) the computer application receiving, from a back end server, an identification of at least one transaction conducted with a financial instrument that is eligible for the financing offer; (3) the computer application presenting the customer with the at least one eligible transaction; (4) the computer application receiving a selection of one of the at least one eligible transactions; (5) the computer application presenting the customer with at least one option associated with the financing offer; (6) the computer application receiving a selection of one of the options; and (7) the computer application communicating the selection of the transaction and the option to the back end server.

Abstract: An interaction account management method includes defining a financial network for an account holder, the financial network including at least the account holder and a financial advisor, wherein the financial advisor is associated with the financial institution. The method also includes storing financial account information associated with the account holder in a database, the account holder information including information input by the account holder relating to at least one financing plan. The method further includes accessing the stored account holder information, generating two or more payment options associated with the at least one financing plan based at least in part on the account holder information, receiving a recommendation over the network from the financial advisor, the recommendation relating to the at least one payment option, and displaying, on a user interface associated with a user device, the two or more payment options and recommendation.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

Abstract: A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories.

Abstract: A switching of direct deposit payment destination account with a single action is initiated by a user of a finance service. A server system receives user information from a client system, assigns a client identifier to the client system, and associates the assigned client identifier with the received user information. The server system sends to the client system the assigned client identifier and information identifying the employer for one or more direct deposit payment and including a switch button. The client system receives and stores the assigned client identifier and receives and displays the information to the user. In response to activation of the switch button, the client system sends to the server system a request to switch the identified payment to the financial services account information on the server system. The server system generates a direct deposit switching request in accordance with the requirements of the employer.

Abstract: Systems and methods for enhanced dining experiences, and other experiences, using a mobile device are disclosed. In one embodiment, the system (1) monitors providing at least one good or service to the customer during the event; the system (2) performing processing to determine cardless payment feature availability including: (a) determining a probable spend of the customer for the event; (b) determining a probable spend acceptable threshold (PSAT) for the event; (c) comparing the probable spend of the customer versus the PSAT, and based on such comparing, determining that the probable spend is within PSAT and, based on such determination, determining that the cardless payment feature is available to the customer; the system (3) generating an invoice; (4) transmitting the invoice to the customer's messaging address; (5) receiving, over the at least one network, an approval for the invoice; and the system (6) charging the customer's account.

Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

Abstract: A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories.

Abstract: A fraud prevention system is disclosed for preventing fraudulent activity on user accounts, the fraud prevention system interacting with a transaction tracking system for allowing association of transactions with user-defined categories. The fraud prevention system may include a computer memory including at least one database storing system settings specifying account-related events that require fraud prevention action and user-defined settings specifying account-related events that require fraud prevention action, wherein at least one of the user-defined settings pertains to events falling in one of the user-defined categories.

Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

Abstract: The invention is directed to a method and system for providing an interface including modular customizable elements for implementation by a system user. The method and system have particular application for financial accounts, such as credit card accounts. The interface may adapt in response to user behaviors. However, the user may also customize features of the interface. Thus, a behavioral monitoring and analysis system is provided for monitoring account holder spending behaviors and analyzing the spending behaviors. Account holder customization tools may be presented to the account holders through a user interface, the account holder customization tools allowing account holders to modify a user interface display of account related parameters by inputting parameters into a computing system. An experience customization engine may be implemented by a processor for receiving input from both the behavioral monitoring and analysis system and the account holder customization tools.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.

Abstract: Embodiments of the invention are directed to a computer-implemented interactive account management system operated in cooperation with a financial institution on behalf of multiple account holders. The interactive account management system may include a financial networking engine implemented by a processor for defining a financial network for each account holder and for identifying each member of an account holder financial network based on stored account information and account holder input. The system may additionally include interactive processing components for processing information to provide collaborative interaction between the members of the account holder financial network defined by the financial networking engine and user interface presentation tools for displaying financial guidance and collaborative interaction interfaces and inviting active participation from the financial network members.