US 11,907,993 B1
Value metric and comparison interface for payment cards
Christopher Patrick Kelley, Austin, TX (US); Jarrod Lawrence Joplin, Austin, TX (US); Daniel Ronald Zaharia, Austin, TX (US); Carly Jean Stevens, Austin, TX (US); Sean Holstien, Irvine, CA (US); Cornelius Williams, San Antonio, TX (US); Trisha Suzanne Mock, Austin, TX (US); Elainie B. Hicks, Boerne, TX (US); Christopher Gregory, Marietta, GA (US); John Griffin, San Antonio, TX (US); Ryan Clark, Saint Augustine, FL (US); and Audra Kelley, Austin, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United States Automobile Association (USAA), San Antonio, TX (US)
Filed on Aug. 20, 2019, as Appl. No. 16/545,619.
Claims priority of provisional application 62/764,993, filed on Aug. 20, 2018.
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0601 (2023.01); G06Q 20/34 (2012.01); G06Q 40/03 (2023.01)
CPC G06Q 30/0629 (2013.01) [G06Q 20/34 (2013.01); G06Q 30/0631 (2013.01); G06Q 40/03 (2023.01)] 21 Claims
OG exemplary drawing
 
1. A computer-implemented method performed by at least one processor, the method comprising:
receiving, by the at least one processor, user data associated with a user accessing an application executing on a user device;
calculating, by the at least one processor, 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, by the at least one processor, 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, by the at least one processor and in multiple sections of the application, the plurality of payment cards and recommendation data indicating the at least one recommended payment card to the user, 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.