US 11,886,923 B2
Computerized system for user-directed customization and user interface transformation
Travis Rothlisberger, San Diego, CA (US); and Sohaib Saeed, Monmouth Junction, NJ (US)
Assigned to CHARLES SCHWAB & CO., INC., San Francisco, CA (US)
Filed by TD Ameritrade IP Company, Inc., Omaha, NE (US)
Filed on Nov. 22, 2020, as Appl. No. 17/100,901.
Prior Publication US 2022/0164238 A1, May 26, 2022
Int. Cl. G06F 3/04847 (2022.01); G06F 16/9035 (2019.01); G06F 9/50 (2006.01); G06F 9/38 (2018.01); G06F 16/9038 (2019.01)
CPC G06F 9/5055 (2013.01) [G06F 3/04847 (2013.01); G06F 9/3836 (2013.01); G06F 16/9035 (2019.01); G06F 16/9038 (2019.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a memory configured to store:
a parameter database including a plurality of asset identifiers, wherein each of the plurality of asset identifiers corresponds to (i) a respective index and (ii) a respective sector associated with the respective index; and
at least one processor configured to execute instructions stored in the memory to configure the system to:
obtain, from the parameter database, a set of asset identifiers corresponding to a first index received from a user device;
assign each of the plurality of asset identifiers to one of a plurality of sectors, the plurality of sectors including at least a consumer sector, an energy sector and an industrial sector;
transform an interface of the user device to display a graphical interface requesting selection of desired sectors from among the plurality of sectors and a representation ratio to allocate to each of the desired sectors;
filter the set of asset identifiers based on the desired sectors;
generate an adjusted set of asset identifiers by, for each of the desired sectors represented in the filtered set of asset identifiers, adjusting an allocation of asset identifiers associated with a corresponding sector based on the representation ratio of a corresponding one of the desired sectors;
determine a tracking error between the adjusted set of asset identifiers and the first index;
transform the interface of the user device by rendering a graphical depiction of performance of the adjusted set of asset identifiers and a graphical depiction of performance of the first index overlaying the graphical depiction of the performance of the adjusted set of asset identifiers on a same graph;
transform the interface of the user device to display a tax harvest potential by (i) identifying ones of the adjusted set of asset identifiers having a loss over a threshold period, (ii) determining the tax harvest potential by summing the loss over the threshold period for each of the identified ones of the adjusted set of asset identifiers having the loss, and (iii) displaying the tax harvest potential on a same screen with the same graph of the graphical depiction of the performance of the adjusted set of asset identifiers and the graphical depiction of the performance of the first index; and
selectively re-optimize the adjusted set of asset identifiers to reduce the tracking error, in response to the tracking error being greater than a threshold.