IP Library Granted Patent US 11,803,399
Granted Patent B2
US 11,803,399 · App. 16/888,831 · Granted Oct 31, 2023

Interactive virtual assistant system

Inventors: Adam Zarlengo (Irvine, CA); Chris Courtney (Venice, CA); Michael Tepper (Long Beach, CA); Josh Hemsley (Mesa, AZ); Ryan Howes (Pasadena, CA); Daniel Sinner (Corona del Mar, CA); Scott Saunders (Laguna Beach, CA)
Assignee: Happy Money, Inc.
G06F9/453A61B5/165G06F3/04847G06Q40/02G06Q40/06
View Patent ↗
Loading inventors, assignments & file history…
Monitor This Case
Get email alerts when status or documents change.
Order Certified Copies
Most orders are placed with the USPTO same day — all within 24 business hours.
Order via The Patent Place →
Pre-filled with this patent's details
Quick Facts
Patent No.
US 11,803,399
App. No.
16/888,831
Granted
Oct 31, 2023
Kind
B2
Abstract

A method, computer program product, and computer system for defining, at a computing device, psychometric data for a user. An interactive virtual assistant, selected from a plurality of interactive virtual assistants, may be provided on the computing device based upon, at least in part, the psychometric data defined for the user. The user may be prompted, via the interactive virtual assistant, with one or more options.

Claims (54)

1. A computer-implemented method comprising:

defining, at a computing device, psychometric data for a user;

selecting an interactive virtual assistant from a plurality of interactive virtual assistants based upon, at least in part, the psychometric data defined for the user;

providing the selected interactive virtual assistant to the user through the computing device;

receiving financial transaction data associated with the user;

prompting the user, via the selected interactive virtual assistant, with an option to rate the financial transaction data by using an emotional annotation; and

generating an aggregated insight based on emotional annotations associated with members of a combination of cluster groups associated with the user, wherein a cluster group is based on a minimum absolute value distance between the user score and a population median score.

2. The computer-implemented method of claim 1 , wherein defining the psychometric data for the user includes:

providing one or more interactive graphical psychometric tests in a user interface of the computing device.

3. The computer-implemented method of claim 2 , wherein the one or more interactive graphical psychometric tests include

one or more slidable user interface features configured to move along a continuous scale between two end points representative of a first level of a psychometric trait and a second level of the psychometric trait.

4. The computer-implemented method of claim 2 , further comprising:

assigning the user to one or more personality outcomes based upon, at least in part, the one or more interactive graphical psychometric tests provided in the user interface of the computing device.

5. The computer-implemented method of claim 1 , wherein the selected interactive virtual assistant is further configured to prompt the user with one or more options via an interactive electronic communication session displayed in a user interface of the computing device.

6. The computer-implemented method of claim 5 , wherein prompting the user, via the selected interactive virtual assistant, with the one or more options includes one or more of:

prompting the user to rate one or more financial transactions;

prompting the user with one or more financial savings options; and

prompting the user with one or more financial services options.

7. A computer program product residing on a non-transitory computer readable storage medium having a plurality of instructions stored thereon which, when executed across one or more processors, causes at least a portion of the one or more processors to perform operations comprising:

defining psychometric data for a user;

selecting an interactive virtual assistant from a plurality of interactive virtual assistants based upon, at least in part, the psychometric data defined for the user;

providing the selected interactive virtual assistant to the user through a computing device;

receiving financial transaction data associated with the user;

prompting the user, via the selected interactive virtual assistant, with an option to rate the financial transaction data by using an emotional annotation; and

generating an aggregated insight based on emotional annotations associated with members of a combination of cluster groups associated with the user, wherein a cluster group is based on a minimum absolute value distance between the user score and a population median score.

8. The computer program product of claim 7 wherein defining the psychometric data for the user includes:

providing one or more interactive graphical psychometric tests in a user interface of the computing device.

9. The computer program product of claim 8 wherein the one or more interactive graphical psychometric tests include one or more slidable user interface features configured to move along a continuous scale between two end points representative of a first level of a psychometric trait and a second level of the psychometric trait.

10. The computer program product of claim 8 further comprising:

assigning the user to one or more personality outcomes based upon, at least in part, the one or more interactive graphical psychometric tests provided in the user interface of the computing device.

11. The computer program product of claim 7 wherein the selected interactive virtual assistant is further configured to prompt the user with one or more options via an interactive electronic communication session displayed in a user interface of the computing device.

12. The computer program product of claim 11 wherein prompting the user, via the selected interactive virtual assistant, with the one or more options includes one or more of:

prompting the user to rate one or more financial transactions;

prompting the user with one or more financial savings options; and

prompting the user with one or more financial services options.

13. A computing system including one or more processors and one or more memories configured to perform operations comprising:

defining psychometric data for a user;

selecting an interactive virtual assistant from a plurality of interactive virtual assistants based upon, at least in part, the psychometric data defined for the user;

providing the selected interactive virtual assistant to the user through the computing system;

receiving financial transaction data associated with the user;

prompting the user, via the selected interactive virtual assistant, with an option to rate the financial transaction data by using an emotional annotation; and

generating an aggregated insight based on emotional annotations associated with members of a combination of cluster groups associated with the user, wherein a cluster group is based on a minimum absolute value distance between the user score and a population median score.

14. The computing system of claim 13 wherein defining the psychometric data for the user includes:

providing one or more interactive graphical psychometric tests in a user interface of the computing system.

15. The computing system of claim 14 wherein the one or more interactive graphical psychometric tests include one or more slidable user interface features configured to move along a continuous scale between two end points representative of a first level of a psychometric trait and a second level of the psychometric trait.

16. The computing system of claim 14 further comprising:

assigning the user to one or more personality outcomes based upon, at least in part, the one or more interactive graphical psychometric tests provided in the user interface of the computing system.

17. The computing system of claim 13 wherein

the selected interactive virtual assistant is further configured to prompt the user with one or more options via an interactive electronic communication session displayed in a user interface of the computing device.

18. The computing system of claim 17 wherein

prompting the user, via the selected interactive virtual assistant, with the one or more options includes one or more of:

prompting the user to rate one or more financial transactions;

prompting the user with one or more financial savings options; and

prompting the user with one or more financial services options.

Assignments (3)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 28, 2025
From: HAPPY MONEY, INC.
To: ZIP CO US INC.
Reel/Frame 072274/0177 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 5, 2023
From: ZARLENGO, ADAM; COURTNEY, CHRIS; TEPPER, MICHAEL; HEMSLEY, JOSH; HOWES, RYAN; SINNER, DANIEL; SAUNDERS, SCOTT
To: PAYOFF, INC.
Reel/Frame 063858/0894 →
CHANGE OF NAME Recorded Nov 2, 2020
From: PAYOFF, INC.
To: HAPPY MONEY, INC.
Reel/Frame 054280/0468 →
Continuity (4)
Continuation 15983887 · May 18, 2018
Provisional Application 62508370 · May 18, 2017
Related Publication 20210374863A1 · Dec 2, 2021
Related Publication 20230205558A9 · Jun 29, 2023