Patent ID: 11907993
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 20:
21. One or more computer-readable storage media storing instructions which, when executed by at least one processor, cause the at least one processor to perform operations comprising:
receiving user data associated with a user accessing an application executing on a user device;
calculating a value metric for each of a plurality of payment cards, each respective value metric of a payment card indicating an estimated value of using a respective payment card of the plurality of payment cards, the respective value metric based at least partly on the user data and one or more characteristics of the respective payment card;
ranking the plurality of payment cards according to their respective value metrics and, based at least partly on the ranking, designating at least one recommended payment card that is highest ranked among the plurality of payment cards; and
presenting the plurality of payment cards and recommendation data indicating the at least one recommended payment card to the user in multiple sections of the application;
wherein the presentation of the plurality of payment cards includes at least one control to remove a particular payment card from the plurality of payment cards, and wherein the recommendation data is preserved through one or more application logout events.