Systems and methods for dynamic interface changes

A system for causing a dynamic interface adjustment includes a user device. The user device includes an active financial interface associated with a financial institution. The system further includes a computer system communicatively coupled to the user device. The computer system is configured to receive, via the user device, a sensory input associated with a customer of the financial institution, determine a sensory impairment associated with the customer based on the sensory input, and cause a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment.

BACKGROUND

Generally, an impairment of the senses can cause people difficulties with activities such as accessing financial services or interacting with an automated voice system. For example, a customer may have a visual impairment that makes it difficult for the customer to utilize a financial services website or application. The customer may be unable to see text due to the font size. Some customers may have hearing impairments such that the customer cannot hear the voice of a virtual representative of an automated voice system. In some instances, the customer may be forced to rely on the assistance of others such as a caregiver, family member, or guardian to engage in financial services or to use such websites and applications. In such examples, the customer depends on others to explain or perform certain transactions which can provide opportunities for fraud and/or abuse.

SUMMARY

One embodiment relates to a method of causing a dynamic interface adjustment. The method comprises receiving, via an active financial interface communicatively coupled to a financial institution, a sensory input associated with a customer of the financial institution, determining a sensory impairment associated with the customer based on the sensory input, and causing a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment.

One embodiment relates to a system for causing a dynamic interface adjustment of a customer device. The system includes a user device and a computer system communicatively coupled to the user device. The user devices includes an active financial interface associated with a financial institution. The computer system is configured to receive, via the user device, a sensory input associated with a customer of the financial institution; determine a sensory impairment of the customer based on the sensory input; and cause a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment.

One embodiment relates to a computer implemented method of causing a dynamic interface adjustment of a customer device. The method includes receiving, via an active financial interface communicatively coupled to a financial institution, a sensory input associated with a customer of the financial institution; determining a sensory impairment of the customer based on the sensory input; and causing a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment.

DETAILED DESCRIPTION

Referring to the figures generally, systems and methods of causing a dynamic interface adjustment are described. The system includes a user device. The user device includes an active financial interface associated with a financial institution. The system further includes a computer system communicatively coupled to the user device. The computer system is configured to receive, via the user device, a sensory input associated with a customer of the financial institution, determine a sensory impairment associated with the customer based on the sensory input, and cause a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment. The dynamic interface adjustment of the active financial interface is caused in real-time or near real-time.

The embodiments and implementations of the systems and methods disclosed herein improve current computing systems for providing financial services to individuals who are unable to utilize such systems due to an impaired sense. These systems, methods, and computer implementations improve such computing systems by dynamically adjusting an interface to improve the fields of impaired sense computing systems, impaired sense communication systems, security systems, and information management. As such, the systems, methods, and computer implementations disclosed herein improve the functioning of such systems and information management by providing functionalities that are novel and non-obvious improvements over current systems.

Referring toFIG. 1, a block diagram of a dynamic interface system100for a financial institution is shown according to an example embodiment. Generally, the financial institution provides financial services (e.g., demand deposit accounts, credit accounts, etc.) to a plurality of customers. The financial institution provides banking services to the customers, for example, customers can deposit funds into accounts, withdraw funds from accounts, transfer funds between accounts, view account balances, and the like via a financial interface associated with the financial institution computing system. The dynamic interface system100includes the user device110, network114, and the financial institution computing system120. In some embodiments, the dynamic interface system100may include a third party system. The user device110is structured to facilitate customer transactions via the financial institution computing system120.

As described in further detail, the dynamic interface system100includes the user device110. The user device110may include or otherwise may be communicatively coupled to an active financial interface112(e.g., a user interface, automated voice system, an automated menu system, automated dialing system, interactive voice response system, etc., configured to receive a sensory input) associated with the financial institution. As used herein, the term “sensory input” may refer to an input configured to supplement for an impairment of the senses such as an input associated with a screen change (e.g., adjusting the screen size or other components of the screen, changing the screen background, etc.), font change (e.g., increasing the font size, changing the font color, etc.), screen reader (activating a programmatic reader of the text on the screen), voice input, volume adjustment (e.g., increasing the volume), dexterity input (e.g., a typing input). Customers of the financial institution can access the various services provided by the financial institution through the active financial interface112. In some embodiments, the dynamic interface system100is configured to sense and determined that a customer has a sensory impairment (e.g., reduced hearing and/or sight). For example, the customer may be an individual age 70 who has experienced a hearing impairment and/or a visual impairment due to age. In some examples, the customer may be an individual who has experienced a temporal or permanent impairment in hearing and/or sight due to a recent sporting incident, accident, medical condition, or other sensory altering event. For example, the dynamic interface system100may determine that an impairment is temporal by determining that the individual's sensory feedback is first in a normal range, that it then degrades over time or during an interaction with the dynamic interface system100, and finally their sensory feedback returns to normal levels either during the interaction, during a future interaction, or over time across multiple future interactions. In some examples, the dynamic interface system100is configured to determine that the customer has experienced a progressive impairment in hearing and/or sight such as conductive hearing loss, sensorineural hearing loss, progressive retinal atrophy, age-related macular degeneration, chronic open-angle glaucoma, diabetic retinopathy, etc. The dynamic interface system100is configured to determine if the impairment is bilateral and affects both ears and/or eyes or unilateral and affects a single ear or eye. Accordingly, the active financial interface112may facilitate the determination of a sensory impairment (e.g., a visual impairment, hearing impairment, or a combination thereof) associated with a customer of the financial institution. For example, the active financial interface112associated with the user device110may receive a sensory input such that a sensory impairment associated with a customer may be determined. In turn, a dynamic interface adjustment (e.g., an audible adjustment, visual adjustment, input response adjustment, communication mode adjustment, or a combination thereof) may be caused in response to the determination of the sensory impairment in real-time or near real-time.

The financial institution computing system120is a backend computer system that supports the user device110and other financial services offered by the financial institution. Accordingly, the financial institution computing system120includes a network interface136, a sensory circuit130, an identification circuit132, a calculation engine134, and an account database140. The financial institution computing system120is structured to monitor the sensory state of the customer directly or via a network (e.g., the network114.). The network interface136may communicate over any of a variety of network protocols, including Ethernet, Bluetooth, WiFi, and the like. The account database140is structured to maintain accounts associated with customers of the financial institution and to facilitate transactions associated with the accounts. The account database140may store sensory data and customer account information, including account numbers, account balances, customer contact information, customer preferences, and other account information. As used herein, the term “sensory data” may be used to refer to data associated with the physical senses such as, but not limited to, sight, touch, hearing, etc. which may be perceived or transmitted.

Still referring toFIG. 1, the user device110may include smartphones, tablet computing devices, mobile devices, wearable computing devices (e.g., a smartwatch, smart optical wear, etc.), personal computing devices such as laptops, digital assistance devices (e.g., a voice activated device configured to assist a user), PDAs, portable media devices, vehicle infotainment systems, etc. that may access one or more programs, servers, networks, central computers, etc. The user device110may communicate with the financial institution computing system120of the financial institution through the network114. In some arrangements, the network114includes the internet, cellular networks, personal area networks, WiFi networks, etc. The user device110may execute a financial institution application associated with the financial institution. The financial institution application may include the active financial interface112. In some arrangements, the application is executed locally on the user device110(e.g., a smartphone, tablet computing device, etc.). In other arrangements, the user device110may be communicatively coupled to the financial institution computing system120via an active financial interface112, such as an automated voice system. For example, customers may use, via the user device110, the automated voice system to access various services provided by the financial institution. Via the active financial interface112, the sensory state of the customer may be monitored and/or information about the customer, information about his or her accounts with the financial institution (e.g., balances, interest rates, etc.), bill payment, automated teller machine (ATM) and branch location information, and additional services offered by the financial institution may be accessed. For example, the financial institution computing system120may be able to determine a sensory impairment of a customer of the financial institution as described in further detail herein.

Referring toFIG. 2, a block diagram of the user device110is shown according to an example embodiment. As discussed above, the user device110may be a smartphone, tablet computing device, wearable computing device, personal computing device, etc. The user device110includes a network interface202. The network interface202is a wireless network interface. The wireless network interface202includes any of a cellular transceiver (e.g., CDMA, GSM, LTE, etc.), a wireless network transceiver (e.g., 802.11X, ZigBee, Bluetooth, etc.), or a combination thereof (e.g., both a cellular transceiver and a Bluetooth transceiver). Additionally, the network interface202is capable of communicating with the financial institution computing system120via the network114(e.g., via any combination of the Internet, cellular networks, personal area networks, WiFi networks, etc.).

The user device110may include a display204and a user input/output206. In some arrangements, the display204and the user input/output206are combined (e.g., as a touchscreen display device). In other arrangements, the display204and the user input/output206are discrete devices. The user input/output206includes any of speakers, keyboards, notification LEDs, microphones, buttons, switches, cameras, or a combination thereof.

The user device110includes a power source212. The power source212may include grid power, battery power (e.g., alkaline batteries, rechargeable batteries, etc.), and/or another energy source. In arrangements where the power source212is a rechargeable battery, the user device110also includes circuitry configured to recharge the battery.

The functionality of the user device110described herein is controlled at least in part by the interface circuit210. In some configurations, the functionality of the user device110may be controlled by the interface circuit210and the transaction circuit208. The interface circuit210is structured to cause a dynamic interface adjustment of the active financial interface in response to the determination of the sensory impairment. The transaction circuit208is structured to allow a customer of the financial institution to access financial services or otherwise engage in financial transactions with the financial institution via the active financial interface112of the user device110(e.g., access and/or update account information, deposit funds, transfer funds, withdraw funds, open accounts, close accounts etc.).

Referring toFIG. 3, a flow diagram of a method300of causing a dynamic interface adjustment is described according to an example embodiment. Method300may be performed by the interface circuit210and/or the transaction circuit208of the user device110such that reference may be made to the respective circuits to help explain the features, processes, and aspects of method300. In some configurations, the interface circuit210and/or the transaction circuit208of the user device110may be communicatively connected to the sensory circuit130, the identification circuit132, the calculation engine134, and/or the account database140of the financial institution computing system120. The flow diagram details the interaction between the active financial interface112of the user device110, the financial institution computing system120, and various systems and/or devices associated with the customer. The user device110may take the form of a smartphone, tablet, laptop, wearable, or a combination thereof.

The method300begins when the active financial interface112receives, via the interface circuit210, a sensory input (e.g., an input configured to supplement for an impairment of the senses) associated with a customer of the financial institution at302. The customer may be at a branch location, ATM, and/or third party location associated with the financial institution. In some examples, the customer may utilize a financial services website or application to connect to the active financial interface112. The active financial interface112may be accessible, via the user device110(e.g., a smartphone, tablet, laptop), by a customer of the financial institution. While accessing the active financial interface112, the customer may experience difficulty utilizing the active financial interface112such that the customer may provide a sensory input to the active financial interface112. For example, the customer may be unable to see the font of the screen and/or hear an automated prompt or message. In turn, the interface circuit210may receive the sensory input via the active financial interface112. In some arrangements, the interface circuit210may be structured to vary visual, auditory, sensory, and memory tests dynamically as the user is actively interacting with the active financial interface112or prior to initiating an adjustment of the active financial interface112to detect which interface option (e.g., which visual and/or auditory adjustment) provides the response structured to account for the impairment of the customer.

In some arrangements, the sensory input may take the form of a screen change. For example, the customer may experience difficulty viewing the active financial interface112such that the customer provides a sensory input such as an adjustment of the screen size, dimensions, or other components of the screen or window to the active financial interface112. In examples wherein the customer needs an accommodation for various vision impairments associated with color, the customer may provide a sensory input such as an adjustment or otherwise change to the screen background color. In other examples, the customer may need an accommodation for various vision impairments associated with the text or font, the customer may provide a sensory input such as a change to the font (e.g. increase or decrease the font size, change the font color, etc.) to the active financial interface112. In some examples, the customer may have a sensory impairment that requires the use of a screen reader. In such examples, the interface circuit210may receive a sensory input from the use of a programmatic reader of the screen text. The sensory circuit130may receive a sensory input such as a dexterity input (e.g. a typing input) in response to a customer of the financial institution interacting with (e.g., depressing, touching, etc.) the keyboard, keypad, or other character input system or user input/output206system or application of the user device110.

Alternatively or additionally, the customer may need an accommodation for various hearing impairments. The dynamic interface system100can determine that a hearing impairment is attributed to a physical impairment. In some examples, the dynamic interface system100takes into account various factors such as, but not limited to, background noise, wind, rain, thunder, or other environmental factors that can contribute to the ability of the customer to hear properly or otherwise interact with the dynamic interface system100. Accordingly, the customer may provide a sensory input such as a volume adjustment (e.g., increasing the volume) to the active financial interface112. In some configurations, the active financial interface112may take the form of an automated voice system, interactive voice response system, or other user interface configured to receive a sensory input. In turn, the active financial interface112may receive the sensory input such as a voice input. The voice input may include a voice key (e.g., key words, phrases, or characters) structured to indicate a sensory impairment. For example, the customer may speak the phrase “speak louder,” “turn the volume up,” “I cannot hear you,” “What?”, etc. into a receiver of the user device110while the customer interacts with an interactive voice response system associated with the financial institution computing system120. The voice key may be identified, detected, derived, or otherwise received by the interface circuit210via an algorithm configured for voice recognition.

The sensory input may be provided to and/or received by the interface circuit210when the customer interacts with (e.g., when the customer selects or otherwise utilizes) an interface control. As used herein, an interface control may be used to refer to a button, link, icon, menu, graphic, scan, remote control, etc. facilitates the provision or receipt of a sensory input or otherwise provides an associated “request” to a server or client based system. The interface circuit210may provide the sensory input via the “request” to the sensory circuit130for analysis. In turn, the receipt of the sensory input, via the request, by the sensory circuit130may be used to determine if the customer has a sensory impairment when interacting with the financial institution computing system120as described herein. For example, the receipt of the sensory input may be used to determine if the customer has a sensory impairment when the customer views or requests account information via the active financial interface112.

In some configurations, the interface circuit210of the user device110may receive, via a third party system, sensory data (e.g., data associated with or otherwise related to the senses such as, but not limited to, sight, touch, hearing, etc.) associated with the customer. Alternatively or additionally, the sensory circuit130of the financial institution computing system120may receive, via a third party system, sensory data associated with the customer. To that end, sensory data associated with the customer may be received by the interface circuit210and/or the sensory circuit130via multiple devices in an internet of things (IoT) environment, or via a third party system, such as a healthcare provider system, prescription drug system, etc. to leverage data collection and analysis.

At304, the sensory circuit130of the user device110may determine a sensory impairment associated with the customer based on the sensory input. The sensory impairment of the customer may be determined in real-time or near real-time when the customer interacts with the active financial interface112. For example, the sensory impairment may be determined during a financial transaction while the customer interacts with the active financial interface112. The determination of the sensory impairment may generate a “response” from the server and/or client based system. Accordingly, the sensory circuit130may determine that a customer is visually impaired if the sensory input received includes a text or font change. For example, the sensory circuit130may determine that a customer is visually impaired if the customer increases the font size repeatedly on the user device110. In other examples, the sensory circuit130may determine that a customer is visually impaired if the sensory input received results in one or more missing buttons, characters, input areas, or key inputs associated with the display204(e.g., a touch screen). For example, the sensory circuit130may determine that a customer is visually impaired if the customer fails to accurately select one or more buttons associated with the touch screen of the user device110.

The sensory circuit130may determine that the customer is hearing impaired if the sensory input received includes a volume adjustment. For example, the customer increases the volume of the user device110and/or requests for things to be repeated when interacting with (e.g., speaking) the active financial interface112associated with an interactive voice response system. In other arrangements, the sensory circuit130may determine that the customer has a sensory impairment if the sensory input indicates that the customer is having difficulty with dexterity by monitoring the time and cadence in which responses are provided via the keyboard, keypad, or other character input system or user input/output206system or application of the user device110.

The sensory circuit130of the user device110may establish an impairment level associated with the determined sensory impairment. The sensory data received may be used to generate or otherwise establish a base line (e.g., a base sensory level) associated with the customer. Alternatively or additionally, the base line may be established based on other factors such as the cognitive ability of the customer (e.g., cognitive data received by the financial institution computing system120from the third party system150, the customer, etc.), the location of the customer (e.g., a branch location, ATM, and/or third party location), environmental factors (e.g., background noise, wind, rain, thunder, etc.), or a combination thereof. The base line may be established dynamically, such that deviations from the base line and/or histories of various base lines may be used advantageously to indicate fraud and proactively enhance fraud alerts. In some arrangements, the base line may be generated via the calculation engine134and transmitted to the sensory circuit130and/or the interface circuit210for comparison to subsequent sensory impairment levels as described herein.

In some configurations, the sensory circuit130may determine a change in the sensory impairment level as compared to the generated base line. The generated base line may be associated with identification data associated with the customer via the identification circuit132. The base line and changes to the sensory impairment level may be stored in the account database140and/or memory of the financial institution computing system. In further examples, the sensory circuit130may monitor changes in the sensory impairment levels of the customer to detect possible fraud. As the interface circuit210receives a sensory input via the active financial interface112, the interface circuit210may provide or otherwise transmit the data associated with the sensory input of the customer to the sensory circuit130and/or the calculation engine134of the financial institution computing system120. The sensory circuit130and/or the calculation engine134may determine a change in the sensory impairment level as compared to the base line.

If the sensory impairment level meets or falls below the base line, the sensory circuit130may determine that the sensory impairment of the customer has not changed such that fraudulent activity is not indicated. If the sensory impairment level is not within an acceptable range of the base line when the customer interacts with the active financial interface112, the sensory circuit130may determine that the sensory impairment of the customer is indicative of fraudulent activity. For example, if an improvement in the sensory impairment level is determined or otherwise detected, the sensory circuit130may determine that a third party (e.g., another person) may be attempting to fraudulently access the account of the customer.

In further embodiments, the sensory circuit130may transmit a notification to the customer in response to the determination of the fraudulent activity. The notification may be transmitted or otherwise received when the third party (e.g., the bad actor) is not in proximity to the customer. If the location of the third party is determined to be in proximity to the location of the customer, the notification may be transmitted to another person that the customer authorized to receive notifications on behalf of the customer. In some embodiments, the notification may be provided via a different channel. E.g., the person performs an online transaction via an online banking website, and then the bank calls the customer to verify the transaction. Voice recognition is used to verify the identity of the individual during the phone call. Or, we ask the person to hold their phone in front of them, and we do a selfie video verification (facial recognition using a live video feed). Heightened authentication can occur during the transaction: e.g., if potential fraud is detected due to decreased impairment, the user is asked additional security questions. In some embodiments, a frictionless technique includes varying a visual, auditory, sensory, and memory dynamic test as the user is actively using the dynamic interface system100or as a starter to initiate certain functions to detect which interface option or setting provides the most correct or desired responses by the user.

The sensory circuit130may be configured to cause a dynamic interface adjustment (e.g., an adjustment of the user interface in real-time or near real-time) of the active financial interface112in response to the determination of the sensory impairment at306. The dynamic interface adjustment may include, but is not limited to, an audible adjustment, visual adjustment, input response adjustment, communication mode adjustment, or a combination thereof. The dynamic interface adjustment may be built or otherwise rendered via the user device110. Based on the determination of the sensory impairment, the sensory circuit130may cause a dynamic interface adjustment, via the interface circuit210, of the way in which information is provided to the customer via the active financial interface112. In examples wherein the customer is determined to be hearing impaired, the interface circuit210may cause an increase in the volume of an audible message. In other examples wherein the customer is determined to be hearing impaired, the interface circuit210may cause the cadence of an audible message to decrease. In examples wherein it is determined that the customer is in a public setting, some dynamic interface adjustments may be inactive (e.g., disabled). For example, the interface circuit210may not cause an increase in the volume of an audible message to prevent others near, or proximate to, the customer from hearing the volume increase. Yet in other examples, the interface circuit210may cause an increase in the volume of an audible message that increases within an acceptable volume range that may be loud enough for the customer to hear, yet low enough to prevent others near, or proximate to, the customer from hearing the volume increase.

In some examples wherein the customer is determined to be visually impaired, the sensory circuit130may cause a dynamic interface adjustment (e.g., a visual adjustment) of the active financial interface112such that the screen size may be increased or decreased, the font may be increased or decreased, the dimensions or structure of the keyboard, keypad, or other character input system (e.g. soft key sizes) may be increased or decreased, etc. In other examples wherein the customer is determined to be visually impaired, the sensory circuit130may cause a dynamic interface adjustment of the active financial interface112such that the font color, background color, font type, or text-to-voice system may be adjusted to provide information to the customer.

In further examples, the dexterity input (e.g. the speed or rate of typing input) of the customer may result in a determination that the customer has a sensory impairment. Accordingly, the sensory circuit130may be configured to cause a dynamic interface adjustment (e.g., an input response adjustment) such that the interface circuit210may increase an input wait period to allow the customer more time to input a response via the active financial interface112. In other examples wherein the sensory impairment is associated with a dexterity input, the sensory circuit130may cause a dynamic interface adjustment (e.g., a communication mode adjustment) by which other interface channels (e.g., a channel by which the customer interacts with the financial institution computing system in person, over the phone, etc.) may be provided to the customer via the active financial interface112. Alternatively or additionally, the sensory circuit130may be configured to cause a dynamic interface adjustment in examples wherein the determined sensory impairment may require the user interface to provide other visual cues (e.g., e-mails, text messages, or other textual matters) to the customer while the customer interacts with the active financial interface112.