Representative Claim on Appeal

An account management system, comprising:

• [1] a processor in communication with a client device of a user; and
• [2] a memory having programming instructions stored thereon, which, when executed by the processor performs an operation, comprising:
• [3] training a prediction model to identify financial goals and spending habits of the user by:
• [4] generating a training data set comprising account activity of the user, the account activity comprising chat bot interactions of the user, email correspondence between the user and an entity associated with the account management system, and historical transaction data of the user, and further account activity of other users similar to the user, the further account activity comprising further chat bot interactions of the other users similar to the user, further email correspondence between the other users similar to the user and the entity associated with the account management system, and further historical transaction data of the other users similar to the user,
• [5] learning, by the prediction model, to identify a financial goal of the user based on the training data set,
• [6] learning, by the prediction model, a cost associated with each financial goal of the user based on the training data set, and
• [7] learning, by the prediction model, an estimated timeline for reaching each financial goal of the user based on the training data set and the cost associated with each respective financial goal;
• [8] identifying, by the prediction model, at least one financial goal of the user by:
• [9] analyzing one or more accounts of the user to identify one or more transactions;
• [10] identifying at least one product or service for which the user has transacted above a threshold number of times; and
• [11] setting the at least one product or service as the at least one financial goal;
• [12] generating, by the prediction model, a target savings amount for the at least one financial goal based on one or more spending habits of the user and one or more spending habits of other users unrelated to the user;
• [13] generating, by the prediction model, an estimated timeline for reaching the target savings amount by learning based on the one or more spending habits of the user and the target savings amount; [14] generating a graphical user interface (GUI) comprising a first gamification element corresponding to the at least one financial goal and a second gamification element corresponding to the estimated timeline, the first gamification element and the second gamification element visually depicting progress towards the savings amount;
• [15] receiving at least one account event; and
• [16] updating, in real-time, the GUI by adjusting the first gamification element and the second gamification element in real-time to depict an updated progress towards the savings amount.

Rejection of Claims on Appeal

The Examiner rejected the claims under 35 U.S.C. § 101, arguing that they were directed to the judicial exceptions of organizing human activity and mental processes without significantly more to transform the abstract idea into a practical application. The Appellant contended that the claimed invention was not directed to the abstract idea of a to a specific and practical application of an account management system that improved the user’s experience in managing their finances.