Facilitating finance based on behavioral triggers

Abstract

Systems and methods for facilitating finance by monitoring behavior of users indicative of behavioral patterns or deviations from behavioral patterns and inviting users to make financial changes that may be appropriate based on the monitored behavior. In some embodiments, a minimum amount of relevant data must be collected to support the existence of a behavioral pattern or deviation before a user is invited to make appropriate changes to their finances.

1 . A system for facilitating one or more financial actions, the system comprising:
 at least one processor; and   memory encoding instructions that, when executed by the at least one processor, causes the at least one processor to:
 use one or more devices configured to track a user's behavior by collecting data blocks associated with the user's behavior, wherein the one or more devices include a positioning device that tracks a location of the user; 
 store the data blocks in a database; 
 assign, to one or more of the data blocks stored in the database, a respective relevance value indicating a predictive value of the respective data block in connection with one or more predefined triggering events; 
 monitor the user's behavior over a period of time in connection with the one or more predefined triggering events associated with the one or more devices, the one or more predefined triggering events comprising a new behavior pattern or a deviation from a previous behavior pattern; 
 infer, based on the data blocks collected from the monitoring, an occurrence of at least one of the one or more predefined triggering events responsive to relevance values of the data blocks; 
 notify the user of the at least one inferred triggering event; 
 invite the user to take one or more financial actions related to the at least one inferred triggering event; and 
 in response to a selection of the user to take at least one of the one or more financial actions, execute at least one of the one or more financial actions. 
   
     
     
         2 . The system of  claim 1 , wherein, before the invite, the instructions cause the at least one processor to generate one or more confirmation questions and process answers of the user to the one or more confirmation questions confirming or disconfirming the at least one inferred triggering event. 
     
     
         3 . The system of  claim 1 , wherein the one or more financial actions are selected from: changing information regarding one or more financial accounts of the user; setting up automatic bill payments; sharing bill payments; and opening one or more financial accounts. 
     
     
         4 . The system of  claim 1 , wherein the one or more financial actions the user is invited to take are determined partially based on information received from the user about the at least one inferred triggering event after the user is notified about the at least one inferred triggering event. 
     
     
         5 . The system of  claim 1 , wherein the instructions cause the at least one processor to identify a socioeconomic group associated with the user, and wherein the one or more financial actions the user is invited to take are determined partially based on financial actions taken by one or more people in the socioeconomic group other than the user. 
     
     
         6 . The system of  claim 1 , wherein the user's behavior is monitored using one or more tracking devices selected from: motion tracking devices; web activity tracking devices; spending tracking devices; and social media tracking devices. 
     
     
         7 . The system of  claim 1 , wherein monitoring the user's behavior over the period of time in connection with the one or more predefined triggering events further includes to decrease the relevance value of at least one of the data blocks over the period of time. 
     
     
         8 . The system of  claim 1 , wherein monitoring the user's behavior over the period of time in connection with the one or more predefined triggering events further includes to modify the relevance value of at least one of the data blocks based on a new interaction by the user. 
     
     
         9 . A computer implemented method, comprising:
 monitoring a user's behavior over a period of time in connection with one or more predefined triggering events, the one or more predefined triggering events comprising a new behavior pattern, the monitoring comprising:
 using one or more devices configured to track the user's behavior, collecting data blocks associated with the user's behavior in connection with the one or more predefined triggering events, wherein the one or more devices include a positioning device that tracks a location of the user; 
 storing the data blocks in a database; 
 assigning, to each respective data block of the data blocks, a respective relevance value indicating a predictive value of the respective data block in connection with at least one of the one or more predefined triggering events; 
   inferring, based on the data blocks collected from the monitoring, an occurrence of at least one of the one or more predefined triggering events based on a sum of reference values of the data blocks collected in connection with the at least one of the one or more predefined triggering events meeting or exceeding a threshold;   notifying the user of the at least one inferred triggering event;   inviting the user to take one or more financial actions related to the at least one inferred triggering event; and   in response to a selection of the user to take at least one of the one or more financial actions, executing at least one of the one or more financial actions.   
     
     
         10 . The method of  claim 9 , wherein the one or more predefined triggering events are selected from: personal relationship changes of the user; employment changes of the user or a family member of the user or a person living with the user; residence changes of the user or a family member of the user or a person living with the user; new purchases that exceed a predetermined threshold purchase amount; and new purchases that require multiple payments over time. 
     
     
         11 . The method of  claim 9 , wherein the inferring occurs when a sum of relevance values of the data blocks collected in connection with a first of the at least one inferred triggering event meets or exceeds a predefined threshold relevance value for the first of the at least one triggering event. 
     
     
         12 . The method of  claim 9 , further comprising:
 generating one or more confirmation questions; and   processing answers of the user to the one or more confirmation questions confirming or disconfirming the at least one inferred triggering event, wherein the generating of the one or more confirmation questions and the processing of the answers are performed before the inviting.   
     
     
         13 . The method of  claim 9 , wherein the one or more financial actions are selected from: changing information regarding one or more financial accounts of the user; setting up automatic bill payments; sharing bill payments; and opening one or more financial accounts. 
     
     
         14 . The method of  claim 9 , wherein the one or more financial actions of the inviting step are determined partially based on information received from the user about the at least one inferred triggering event after the notifying step. 
     
     
         15 . The method of  claim 9 , further comprising:
 identifying a socioeconomic group associated with the user, wherein the one or more financial actions the user is invited to take are determined partially based on financial actions taken by one or more people in the socioeconomic group other than the user.   
     
     
         16 . A non-transitory computer-readable data storage medium storing instructions that, when executed by a processor, cause the processor to:
 monitor a user's behavior over a period of time in connection with one or more predefined triggering events, the one or more predefined triggering events comprising a new behavior pattern being selected from: personal relationship changes of the user; employment changes of the user or a family member of the user or a person living with the user; residence changes of the user or a family member of the user or a person living with the user; new purchases that exceed a predefined threshold purchase amount; and new purchases that require multiple payments over time;   using one or more devices configured to track the user's behavior, collect a plurality of data blocks over the period of time, each respective data block of the plurality of data blocks being associated with the user's behavior in connection with the one or more predefined triggering events, wherein the one or more devices include a positioning device that tracks a location of the user;   store the data blocks in a database;   assign, to each respective data block, a respective relevance value indicating a predictive value of the respective data block in connection with at least one of the one or more predefined triggering events;   infer, based on data collected from the monitoring, an occurrence of at least one of the one or more predefined triggering events responsive to a sum of relevance values of the plurality of data blocks collected in connection with at least one of the one or more predefined triggering events that meets or exceeds a predefined threshold relevance value;   notify the user of the at least one inferred triggering event;   invite the user to take one or more financial actions related to the at least one inferred triggering event; and   in response to a selection of the user to take at least one of the one or more financial actions, execute at least one of the one or more financial actions.   
     
     
         17 . The non-transitory computer-readable data storage medium of  claim 16 , wherein the one or more financial actions are selected from: changing information regarding one or more financial accounts of the user; setting up automatic bill payments; sharing bill payments; and opening one or more financial accounts. 
     
     
         18 . The non-transitory computer-readable data storage medium of  claim 16 , wherein the one or more financial actions the user is invited to take are determined partially based on information received from the user about the at least one inferred triggering event after the user is notified about the at least one inferred triggering event. 
     
     
         19 . The non-transitory computer-readable data storage medium of  claim 16 , wherein the relevance values have a value between a negative number and a positive number. 
     
     
         20 . (canceled)