| CPC G06Q 30/0204 (2013.01) [G06Q 10/0635 (2013.01); G06Q 10/107 (2013.01)] | 20 Claims |
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1. A method for generating and updating an individual user profile by a network service based on a comparison to group profile data, the method comprising the steps of:
obtaining, by the network service, the group profile data provided as benchmark data and subdivided into a plurality of subgroups, such that each of the subgroups is characterized by a set of group criteria;
obtaining individual user profile data pertaining to a specific user of the network service of the institution, the specific user associated with the individual user profile being a member of an institution, the individual user profile based on individual user profile data communicated on a communications network between a user device and a network service device;
performing a matching between the set of group criteria of each of the plurality of subgroups and actual criteria of the specific user to identify one of the plurality of subgroups as a representative subgroup associated with the specific user;
accessing the representative subgroup associated with the specific user;
comparing the individual user profile data to the representative subgroup to generate comparative data;
generating the individual user profile for presentation on a graphical user interface of the user device, the individual user profile including the comparative data provided as served content specific to the specific user from the network service, the served content including one or more actionable links associated with one or more products of the institution, the one or more actionable links selected from a plurality of prestored actionable recommendations, the one or more actionable links personalized by the network service for the specific user;
displaying, on the graphical user interface of the user device, a presentation of the comparative data and the one or more actionable links, the one or more actionable links comprising user-selectable graphical options, the presentation visually indicating differences between the individual user profile data and the benchmark data for the representative subgroup;
sending the served content to the user device by the network service device over the communications network;
receiving a request by the network service device from the user device for a product of the one or more products, the request generated by implementation of the one or more actionable links by the specific user in operating the graphical user interface, the implementation including the specific user selecting one of the one or more actionable links on the graphical user interface; and
updating, in real-time, contents of the individual user profile to include information pertaining to the product based on the resultant implementation of the one or more actionable links that reflects user interaction with the one or more actionable links by the specific user;
updating the representative subgroup in the group profile data using said information and said resultant implementation in order to provide updated group profile data;
dynamically updating, in response to the updated group profile data, contents of a second individual user profile of the institution using the updated group profile data, the second individual user profile associated with a second specific user; and
updating, in real-time, a presentation on a graphical user interface of a second user device visually indicating differences between second individual user profile data and the benchmark data for the updated representative subgroup;
wherein the one or more actionable links are provided as an active network link to a webpage associated with the institution.
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