Generating dynamic user specific application function setup interfaces

Patent metadata

Field	Value
Publication number	US-12511017-B2
Application number	US-202318299895-A
Country	US
Kind code	B2
Filing date	Apr 13, 2023
Priority date	Apr 13, 2023
Publication date	Dec 30, 2025
Grant date	Dec 30, 2025

Abstract

The disclosure describes embodiments of systems, methods, and non-transitory computer readable storage media that dynamically surface multiple user-specific application function GUIs for setting up (or accessing) application functions for a user account. For instance, the disclosed systems can select and display a GUI for a first application function from a set of application functions. Moreover, upon receiving user interactions with the GUI for the first application function (and identifying whether or not the first application system is activated for the user account), the disclosed systems can select a second application function from the set of application functions and displays a GUI (e.g., a setup interface) for the second application function from the set of application functions. In some implementations, the disclosed systems can utilize computer-based models to determine user account specific application function metrics and intelligently select and surface application functions using the application function metrics.

First claim

What is claimed is:

1 . A computer-implemented method comprising:
identifying, for a user account, a set of application functions corresponding to a system application; providing, for display within a client device corresponding to the user account, a first graphical user setup interface to activate a first application function from the set of application functions for the user account; based on receiving user interactions with the first graphical user setup interface, activating the first application function for the user account to provide access to electronic services corresponding to the first application function within the system application to the user account; based on identifying the first application function is activated: utilizing an application activation propensity model with user activity data of the user account to select a second application function from the set of application functions for the user account based on a predicted propensity to setup the second application function; and causing the client device to automatically navigate from the first graphical user setup interface to a second graphical user setup interface to display selectable setup options for the selected second application function from the set of application functions; receiving a user interaction with a selectable skip option within the second graphical user setup interface for the second application function; and based on receiving the user interaction with the selectable skip option: selecting a third application function from the set of application functions; and providing, for display on the client device corresponding to the user account, a third graphical user setup interface for a third application function from the set of application functions.

2 . The computer-implemented method of claim 1 , further comprising:
utilizing the application activation propensity model with the user activity data to determine propensity metrics for application functions in the set of application functions that represent likelihoods of the application functions being activated on the user account; and selecting the second application function from the set of application functions based on the propensity metrics for the application functions in the set of application functions.

3 . The computer-implemented method of claim 1 , further comprising:
utilizing a user account retention model with the user activity data to determine retention metrics for application functions in the set of application functions that represent likelihoods of the user account remaining active after activating the application functions on the user account; and selecting the second application function from the set of application functions based on the retention metrics for the application functions in the set of application functions.

4 . The computer-implemented method of claim 2 , wherein the user activity data comprises transaction activity data of the user account, utilization of one or more application functions, or a user activity duration.

5 . The computer-implemented method of claim 1 , further comprising providing, for display within the client device corresponding to the user account, the first graphical user setup interface to activate the first application function by selecting the first application function based on propensity metrics corresponding to the first application function from the application activation propensity model.

6 . The computer-implemented method of claim 5 , further comprising selecting the first application function based on retention metrics corresponding to the first application function from a user account retention model.

7 . The computer-implemented method of claim 1 , further comprising providing, for display within the first graphical user setup interface for the first application function from the set of application functions, one or more selectable options to setup the first application function for the user account.

8 . The computer-implemented method of claim 1 , further comprising providing, for display within the client device corresponding to the user account, the first graphical user setup interface for the first application function comprising:
an indication that the first application function is activated on the user account; and a selectable option to navigate to the second graphical user setup interface for the second application function from the set of application functions.

9 . The computer-implemented method of claim 1 , wherein providing the second graphical user setup interface for the second application function comprises providing, for display within the second graphical user setup interface, one or more selectable options to activate additional electronic services for the second application function on the user account.

10 . The computer-implemented method of claim 1 , further comprising providing, for display within the third graphical user setup interface, one or more selectable options to activate additional electronic services for the third application function on the user account.

11 . The computer-implemented method of claim 1 , wherein the set of application functions comprise a base limit value utilization application, a user risk assessment value application, a credit value selection application, an automatic user account value allocation application, or a user account value transfer application.

12 . A non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause a computing device to:
identify, for a user account, a set of application functions corresponding to a system application; provide, for display within a client device corresponding to the user account, a first graphical user setup interface to activate a first application function from the set of application functions for the user account; based on receiving user interactions with the first graphical user setup interface, activating the first application function for the user account to provide access to electronic services corresponding to the first application function within the system application to the user account; based on identifying the first application function is activated: utilize an application activation propensity model with user activity data of the user account to select a second application function from the set of application functions for the user account based on a predicted propensity to setup the second application function; and cause the client device to automatically navigate from the first graphical user setup interface to a second graphical user setup interface to display selectable setup options for the selected second application function from the set of application functions; receive a user interaction with a selectable skip option within the second graphical user setup interface for the second application function; and based on receiving the user interaction with the selectable skip option: select a third application function from the set of application functions; and provide, for display on the client device corresponding to the user account, a third graphical user setup interface for a third application function from the set of application functions.

13 . The non-transitory computer-readable medium of claim 12 , further comprising instructions that, when executed by the at least one processor, cause the computing device to:
utilize the application activation propensity model with the user activity data to determine propensity metrics for application functions in the set of application functions that represent likelihoods of the application fun

Assignees

• Chime Financial Inc

Inventors

• Ng Daniel
• Ratcliffe Andrew
• Hayes-Larson Grace
• Feng Jeff
• Chao Joanna
• Wienckowski Justin
• Daley Kyle
• Ji Xiangyu

Classifications

• H04M1/72469 Primary

  for operating the device by selecting functions from two or more displayed items, e.g. menus or icons · CPC title

• H04M1/72448

  with means for adapting the functionality of the device according to specific conditions · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06F3/0482 Primary

  Interaction with lists of selectable items, e.g. menus · CPC title