阅读说明：本技术 交互式数据管理的方法和系统 (Method and system for interactive data management ) 是由 诺拉·李诺宗 于 2021-06-07 设计创作，主要内容包括：本发明公开了交互式数据管理的方法和系统。其中,处理器可以配置为以电子方式处理计算机可读的用户数据记录集以生成媒体消费数据。处理器可以配置为以电子方式处理所述计算机可读的用户数据记录集以生成社交媒体交互数据。在一些实施方式中,处理器可以配置为以电子方式处理所述计算机可读的用户数据记录集以生成游戏交互数据。在另外一些实施方式中,处理器可以配置为以电子方式处理所述计算机可读的用户数据记录集以生成具有与至少一个用户数据记录相关联的动态头像数据的计算机可读虚拟钱包。处理器可以配置为以电子方式处理包括数字虚拟信用卡属性数据的虚拟钱包。处理器可以经配置为放置在基板主体上。(The invention discloses a method and a system for interactive data management. Wherein the processor may be configured to electronically process the computer-readable set of user data records to generate the media consumption data. The processor may be configured to electronically process the computer-readable set of user data records to generate social media interaction data. In some embodiments, the processor may be configured to electronically process the computer-readable set of user data records to generate game interaction data. In still other embodiments, the processor may be configured to electronically process the set of computer-readable user data records to generate a computer-readable virtual wallet having dynamic avatar data associated with at least one user data record. The processor may be configured to electronically process a virtual wallet comprising digital virtual credit card attribute data. The processor may be configured to be placed on the substrate body.)

1. A computer-implemented method of data processing with computer-readable instructions, comprising: electronically processing a computer-readable set of user data records; and electronically processing the set of computer-readable user data records to generate a computer-readable virtual wallet having dynamic avatar data associated with at least one user data record.

2. The method of claim 1, further comprising electronically processing the computer-readable set of user data records to generate social interaction data.

3. The method of claim 1, wherein the virtual wallet comprises digital virtual credit card attribute data.

4. The method of claim 1, wherein the virtual wallet comprises digital virtual debit card attribute data.

5. The method of claim 1, further comprising electronically processing the computer-readable set of user data records to generate game interaction data.

6. The method of claim 5, wherein the game interaction data comprises user league attribute data.

7. The method of claim 5, wherein the dynamic avatar data comprises bit emoticon data.

8. The method of claim 1, wherein the dynamic avatar data comprises bit emoticon data.

9. The method of claim 1, further comprising printing an image representing the dynamic avatar data on a substrate body.

10. A system configured for data processing, the system comprising:

one or more hardware processors configured by machine-readable instructions capable of: electronically processing a computer-readable set of user data records; and electronically processing the set of computer-readable user data records to generate a computer-readable virtual wallet having user dynamic avatar data associated with at least one user data record.

11. The system of claim 10, wherein the one or more hardware processors are further configured by machine-readable instructions to electronically process the set of computer-readable user data records to generate social interaction data.

12. The system of claim 10, wherein the virtual wallet comprises a digital virtual credit card attribute data.

13. The system of claim 10, wherein the virtual wallet comprises a digital virtual debit card attribute data.

14. The system of claim 10, wherein the system is further capable of electronically processing the set of computer-readable user data records to generate game interaction data.

15. The system of claim 10, wherein the system is further capable of generating print data to print an instance of the user dynamic avatar data on the substrate body.

16. The system of claim 14, wherein the user dynamic avatar data comprises bit emoticon data.

17. The system of claim 10, wherein the user dynamic avatar data comprises bit emoticon data.

18. A computing platform configured for data processing, the computing platform comprising:

a non-transitory computer-readable storage medium having executable instructions embodied thereon; and one or more hardware processors configured to execute the instructions to: electronically processing a computer-readable set of user data records; electronically processing a set of computer-readable user data records to generate displayable computer-readable dynamic bit emoticon data associated with at least one user data record; and electronically processing computer readable smart chip data associated with the at least one user data record.

19. The computing platform of claim 18, wherein the one or more hardware processors are further configured by instructions to electronically process user data records associated with digital virtual credit card attribute data.

20. The computing platform of claim 18, wherein the one or more hardware processors are further configured by instructions to process a user data record associated with digital virtual debit card attribute data.

21. The computing platform of claim 18, wherein the one or more hardware processors are further configured by instructions to electronically process RFID data associated with at least one of the user data records.

22. The computing platform of claim 21, further comprising a substrate body, a display in electrical communication with the one or more hardware processors, and an antenna electronically configured to process the RFID data, wherein the non-transitory computer-readable storage medium, the one or more hardware processors, and the antenna are disposed in the substrate body.

Technical Field

The invention relates to a method, a system and a computing platform for interactive management of electronic digital head portrait data.

Background

We are facing a big data era. In the era of the internet of things, many digital products can be networked. Online gaming may be provided over a computer network. The world contains a large amount of digital information, and this data information is becoming increasingly voluminous at a faster rate. This effect is ubiquitous, from commercial to scientific, from government to art. In such an environment, hundreds of millions of people around the world have not learned investments. Investing is a process of deploying savings in such a way that they can actually produce more consumption in the future than they can enjoy today's spending of these savings. The relatively inadequate participation of the public has been seen as a problem. In this new computing age we need to improve this technical process.

Disclosure of Invention

In view of the foregoing background, the following presents a simplified summary of the invention in order to provide a basic understanding of some aspects of the invention. This summary is not an extensive overview of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention. The following summary merely presents some concepts of the invention in a simplified form and is described in the detailed description.

Aspects of the present invention may relate to a system and method of configuring data processing to aggregate one or more customized content for virtual object functions, gaming functions, social functions, content management functions, and asset order execution functions. The system and method are supported by a plurality of components, such as engines or modules.

In some implementations, the described techniques can be used to generate a virtual credit card with a user having a customized digital personal avatar or dynamic avatar. For example, the described technology may provide a user with the ability to generate a credit card that can withdraw cash from a system's wallet, the user's ordinary credit card, and/or the user's bank account (selected by the user).

In some implementations, the described techniques can be used to generate a virtual wallet or physical credit/debit record card with a credit/debit record, giving a user a dynamic digital bit emoticon. For example, the described techniques may provide a user with the ability to generate a credit card. The bit emoticons on the virtual card or the physical card with the flexible or rigid substrate body can be altered to reflect: different individual moods, moods or behaviors, different situations such as financial environments or activities engaged in by the user, and different levels of income, savings, or investment performance associated with the user. In some embodiments, the described techniques may be used to print images representing dynamic head images or bit emoticon data on a card substrate body.

In some implementations, the described techniques may enable payment and/or e-commerce capabilities in various circumstances. For example, the system may access the user's credit card database information — either virtually or physically. The system 300 may also be used with conventional e-commerce websites, including those websites that do not have a payment system connected to the described technology.

Aspects of the present invention relate to a system and method that provides a rich big data user experience in a technical platform environment. Aspects of the present invention relate to a system and method that provides a rich large data set derived from a user experience and utilizes output from a profiling process to provide rich content and associate with one or more user digital personal avatars or user dynamic avatars.

The system may include one or more hardware processors configured by machine-readable instructions. The processor may be configured to electronically process a set of computer-readable user data records to generate media consumption data.

The processor may be configured to electronically process the set of computer-readable user data records to generate a computer-readable virtual wallet having dynamic avatar data associated with at least one user data record. The processor may be configured to electronically process a virtual wallet including digital virtual credit card attribute data. The processor may be configured to electronically process a virtual wallet including digital virtual debit card attribute data. The processor may be configured to electronically process the digital virtual debit card attribute data or the digital virtual debit card attribute data linked to the dynamic avatar data associated with the user data record.

The processor may be configured to electronically process dynamic avatar data including bit emoticon data. The processor may be configured to electronically process a virtual wallet including digital virtual debit card attribute data. The processor may be configured to electronically process the digital virtual debit-card attribute data or digital virtual debit-card attribute data linked to the bit emoticon data associated with the user data record.

The processor may be configured to electronically process a computer-readable set of user data records to generate social interaction data. In some embodiments, the processor may be configured to electronically process a computer-readable set of user data records to generate game interaction data.

In some embodiments of the systems and methods, a gamification engine provides simulated trading activity within a portfolio management game. The gamification engine can provide real-time branding across global instruments and all major asset classes to a market of user account simulation trades and portfolios. In some embodiments of the gamification engine, a live real-time fantasy league game leaderboard is provided. In some embodiments of the gamification engine, the ability to track other users' simulated transactions, view their simulated portfolios, and insightful analysis of their holdings is provided. In some embodiments of the gaming engine, user members are provided with the ability to create and manage their own private leagues and invite friends from within the user community.

The above and other features and characteristics of the present technology, as well as the methods of operation and functions of the related elements of structure and the combination of parts and economies of manufacture, will become more apparent upon consideration of the following detailed description and the appended claims with reference to the accompanying drawings, all of which form a part of this specification, wherein like reference numerals designate corresponding parts in the various figures. It is to be expressly understood, however, that the drawings are for the purpose of illustration and description only and are not intended as a definition of the limits of the invention. As used in the specification and in the claims, the singular form of "a", "an", and "the" include plural referents unless the context clearly dictates otherwise.

Drawings

FIG. 1 is a schematic diagram of a digital computing environment in which certain aspects of the present invention may be implemented;

FIG. 2 is an illustrative block diagram of workstations and servers that may be used to implement the processes and functions of certain embodiments of the present invention;

FIG. 3 illustrates a system configured for data processing in accordance with one or more embodiments;

FIG. 4 illustrates a method for data processing in accordance with one or more embodiments;

FIG. 5 is an illustrative functional block diagram of personal avatar or bit emoticon data that may be used to implement processes and functions in accordance with one or more embodiments;

FIG. 6 is an example block diagram of illustrative user data storage data in accordance with one or more embodiments;

FIG. 7 is an example block diagram of an illustrative user media feed environment in accordance with one or more embodiments;

FIG. 8 is an example block diagram of an illustrative set of social interaction environments in accordance with one or more embodiments;

FIG. 9 is an example block diagram of an illustrative gaming composite environment in accordance with one or more embodiments;

FIG. 10 is an example block diagram of an illustrative system federation environment in accordance with one or more embodiments;

FIG. 11 is an example block diagram of an illustrative watch list environment in accordance with one or more embodiments;

FIG. 12 is an example block diagram of an illustrative PPAD engine in accordance with one or more embodiments;

FIG. 13 is a schematic diagram of a digital computing environment in which certain aspects of the present invention may be implemented;

FIG. 14 is an illustrative virtual digital object in the form of a personal avatar or bit emoticon data that may be used to implement processes and functions in accordance with one or more embodiments;

FIG. 15 is another illustrative virtual digital object in the form of a personal avatar or bit emoticon data that may be used to implement processes and functions in accordance with one or more embodiments;

FIGS. 16(a) - (l) are illustrative virtual digital objects of the personal avatar or bit emoticon data of FIG. 15 that may be used to implement processes and functions in accordance with one or more embodiments;

FIG. 17 is an illustrative functional block diagram of a card printed with a personal avatar or bit emoticon that can be used to implement processes and functions in accordance with one or more embodiments;

FIG. 18 is an illustrative functional block diagram of a card having dynamic personal avatar or dynamic bit emoticon data that may be used to implement processes and functions in accordance with one or more embodiments;

FIG. 19 is an illustrative functional block diagram of a card system that can be used to implement processes and functions in accordance with one or more embodiments.

Detailed Description

In the following description of the various embodiments, reference is made to the accompanying drawings, which form a part hereof, and in which is shown by way of illustration various embodiments in which the invention may be practiced. It is to be understood that other embodiments may be utilized and structural and functional modifications may be made.

FIG. 1 shows a block diagram of a particular programmed computing device 101 (e.g., a computer server) that may be used in accordance with an illustrative embodiment of the present invention. The computer server 101 may have a processor 103 for controlling the overall operation of the server and its associated components, including RAM (memory) 105, ROM (read only memory) 107, input/output module 109 and storage 115.

Input/output (I/O)109 may include a microphone, keyboard, touch screen, camera, and/or stylus through which a user of device 101 may provide input, and may also include one or more speakers for providing audio output and a video display device for providing textual, audiovisual, and/or graphical output. Other I/O devices that a user and/or other device can provide input to device 101 may also be included. Software may be stored in memory 115 and/or storage to provide computer readable instructions to processor 103 to enable server 101 to perform various technical functions. For example, memory 115 may store software used by the server 101, such as an operating system 117, application programs 119, and an associated database 121. Alternatively, some or all of the instructions executable by the server 101 computer may be embodied in hardware or firmware (not shown). As described in detail below, the database 121 may provide centralized storage of features associated with suppliers and customers, allowing functional interoperation between different elements located in multiple physical locations.

The server 101 may operate in a networked environment using connections to one or more remote computers, such as terminals 141 and 151. The terminals 141 and 151 may be personal computers or servers that include many or all of the elements described above in connection with the server 101. The network connections depicted in FIG. 1 include a Local Area Network (LAN)125 and a Wide Area Network (WAN)129, but may also include other networks. When used in a LAN networking environment, the computer 101 is connected to the LAN 125 through a network interface or adapter 123. When used in a WAN networking environment, the server 101 may include a modem 127 or other means for establishing communications over the WAN 129, such as the Internet 131. It will be appreciated that the network connections shown are illustrative and other means of establishing a communications link between the computers may be used. The existence of any of various protocols is assumed, such as TCP/IP, Ethernet, FTP, HTTP, and the like. The network connection may be provided according to any desired coding and modulation scheme, including bluetooth, ZIGBEE, Z-Wave, cellular, radio frequency, WIFI, Near Field Communication (NFC), and the like.

Computing device 101 and/or terminals 141 or 151 may also be mobile terminals including various other components, such as a battery, speaker, and antenna (not shown).

The invention is operational with numerous other general purpose or special purpose computing system environments or configurations. Examples of computing systems, environments, and/or configurations that may be suitable for use with the invention include, but are not limited to, personal computers, server computers, hand-held or laptop devices, multiprocessor systems, microprocessor-based systems, cloud-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, mobile computing devices such as smartphones, wearable computing devices, tablets, distributed computing environments that include any of the above systems or devices, and the like.

The invention may be described in the context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular computer data types. The invention may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

Referring to fig. 2, an illustrative system 200 for implementing the method according to the invention is shown. As shown, the system 200 may include one or more workstations 201. The workstation 201 may be local or remote and is connected to computer networks 203, 210 by one or more communication links 202, and the computer networks 203, 210 are linked to a server 204 by a communication link 205. In system 200, server 204 may be any suitable server, processor, computer, or data processing device, or combination thereof. Computer network 203 may be any suitable computer network including the internet, an intranet, a Wide Area Network (WAN), a Local Area Network (LAN), a wireless network, a Digital Subscriber Line (DSL) network, a frame relay network, an Asynchronous Transfer Mode (ATM) network, a Virtual Private Network (VPN), or any combination of any of these networks. The communication links 202 and 205 may be any communication links suitable for communication between the workstation 201 and the server 204, such as network links, dial-up links, wireless links, hard-wired links, and the like.

FIG. 3 illustrates a system 300 configured for data processing in accordance with one or more embodiments. The present invention may be described in the context of a cloud-based computing architecture employing Amazon Web Services (AWS). However, other commercially available Cloud-based services, such as Microsoft Azure and Google Cloud, may also be used. The system 300API component may be provided in an AWS cloud and has been constructed to expand in a flexible manner without any legacy dependencies by using selected techniques. In some embodiments of the system 300 and method, the primary persistent data store is of Amazon DynamoDB, a fully hosted proprietary NoSQL database service that supports key-value and document data structures, in which content, interactions, configuration files, and other non-financial information are stored. In some embodiments of the system 300 and method, social networking graph data (i.e., relationships between users) is stored on Amazon Neptune, a fully hosted graph database. In some embodiments of the system 300 and method, extensibility is supported by multiple Redis (remote dictionary servers of Redis Labs) clusters acting as read-only memory databases. In some embodiments of the system 300 and method, data is stored on Amazon Redshift, a cloud data warehouse, and reporting capabilities are built using the Tableau BI toolset. In some embodiments of the system 300 and method, API components (including daemons and engines) are encoded in node. In some embodiments of the system 300 and method, some API components execute on AWS Lambda (no server computing), allowing for highly scalable capacity in response to user database interactions and system failures/alerts.

In some implementations, the system 300 may include one or more computing platforms 302. Computing platform 302 may be configured to communicate with one or more remote platforms 304 according to a client/server architecture, a peer-to-peer architecture, and/or other architectures. Remote platform 304 may be configured to communicate with other remote platforms via computing platform 302 and/or according to a client/server architecture, peer-to-peer architecture, and/or other architectures. A user may access system 300 through remote platform 304.

In some embodiments of the system 300 and method, user registration, creation, and maintenance of profiles are provided. In some embodiments of the system 300 and method, a secure database, discovery mechanism, and instrument watch list maintenance are provided to a user. In some embodiments of the system 300 and method, the technique enables synchronization of the instrument database with multiple brokerage/hosting systems. In some embodiments of the system 300 and method, the technology implements social networking graph functionality by allowing discovery and focus on other users in the system. In some implementations of the system 300 and method, the social functionality allows for indications of likes, comments, and shared posts to be posted on the media feed 700-via a social networking graph database that allows for relationships to be maintained. In some embodiments of the system 300 and method, the delivery of event notifications to client devices is accomplished by a mobile event management component having "over the air technology" infrastructure technology. In some implementations of the system 300 and method, two-way external social network interactions may be used to share external content from the media feed 700 to other social networks and to share external content to the media feed 700.

Some embodiments of the system 300 and method can enable the use of the PPAD engine 2000 (see FIG. 12) to communicate market data for real-time price data to a user and to communicate price and game position profit-loss alerts as notifications to the customer. In some implementations, transferring charts and historical market data of technical analysis to mobile clients (e.g., smartphones, wearable computing devices, tablets) may be provided.

In some embodiments of the system 300 and method, media content such as news, reviews, calendars, basic data, research, and community emotions are delivered separately, while customized news, reviews, and research content is delivered to each user's feed 700. The user is also able to search all historical news articles and community posts. Some embodiments provide a "clear at a glance" tool score calculated by the system 300 from the underlying tool data. In addition, real-time user community mood and transaction accuracy content may be provided to users on a per-instrument basis.

Computing platform 302 may be configured by machine-readable instructions 306. The machine-readable instructions 306 may include one or more instruction modules or engines. The instruction modules may include computer program modules. The instruction modules may include one or more of a person authoring avatar engine/module 308, a media consumption module 310, a social media interaction module 312 and gameplay module 314, a matching module 316, a wallet module 317, a printing module 350, a display module 360, and/or other instruction modules.

Referring to fig. 3, in some embodiments of the system 300 and method, customized digital content is provided by a user configured with a personal head authoring imager module 308 having machine-readable instructions 306. The module 308 may have instructions that enable the maintenance of a custom-made bit emoticon or other personal avatar. One particular type of customized content for generic virtual objects provided herein may enable the use of personalized cartoon avatars or "bit emoticons". Such virtual objects may be generally referred to as personal avatars, whether provided by bit emoticons or by any other particular entity. Various details regarding the specific application of these personal avatars as virtual objects are provided herein, and it should be understood that such details may also be applied to other types of virtual objects in other contexts or applications.

The bit emoticon data 500 can be customized programmatically or at the user's encouragement on the financial profile vector of the user on the system 300 to reflect a person's mood or situation in financial terms, conveying more information to the viewer than a typical profile photograph. It is contemplated that customized personal avatar virtual object content may be user created and that this particular type of content may be stored and deleted according to various user preferences and selections. The customized personal avatar and related content can be easily extrapolated into a variety of specific financial emotional simulation templates and contexts based on the original personal avatar generated by the user. Each avatar and content item may be adjusted and modified to suit the particular preferences of a given user, and the system may record and organize prior uses as part of the maintenance process provided by module 308.

Referring to fig. 3 and 5, the personal avatar authoring module 308 includes a computing component for providing to one or more user computer remote platforms 304 and/or external resources 340 virtual object creation programs (e.g., cartoons and editing programs) for bit emoticon data 500 associated with user data. The personal avatar authoring module 308 may provide the cartoon creation and editing software program to a user computer for execution on the user computer, such as by providing a web page containing or hosting the cartoon creation and editing program to one or more user computers using the network 210.

Referring to fig. 3, 5, 14, 15 and 16(a) - (l), the personal avatar authoring module 308 provides bit emoticon data 500 that may be an interesting cartoon of a person. The software uses personal features such as hair color 502 and style 504, eye color 506 and/or skin color 508, chin outline 509, chin morphology 511, nose 513 to create a personalized unique cartoon image for each person. As shown in fig. 15 and 16(a) - (l), the hairstyle 504 of the bit emoticon 500 can be personalized in many different ways. The bit emoticons can be further personalized to increase interest and show personality. The person can choose how to match "clothes" 510 (clothing data), choose one bit emoticon to add accessories or change the emoticon's emoticon 512. In this way, the bit emoticons may be adjusted to reflect different situations, environments, or financial emotions 514. The personal avatar authoring module 308 enables bit emoticons that can be changed to reflect the user's changing reality. Or may manage bit emoticons 500 to depict another reality scenario. The external resources 340 may also include one or more pre-drawn cartoon objects, such as pre-drawn caricatures, props, backgrounds, etc., or a library of pre-drawn caricatures, such as a caricature character library, suitably arranged by the user to create or edit the cartoon objects. The editor enables custom personalities from the avatar representing the user's appearance. The external resource 340 may contain data for one or more visual virtual objects, including one or more caricature objects associated with the bit emoticon data 500 (see fig. 5 and 14), such as caricature characters, backgrounds, prop objects, text bubbles, and the like.

In some embodiments of the system 300 and method, the user's physical debit or credit card 1700, 1800, system 300 may implement encryption software (with machine-readable instructions 306) for providing a virtual equivalent of a wallet that may contain digital cash-credit card information-shipping details and a digital certificate for authenticating the digital wallet. By including a bit emoticon on the card 1700, 1800, the user will experience a greater affinity with the debit or credit card. The cards 1700, 1800 become extensions to the user rather than extensions to the financial service provider. The use of the personal bit emoticons can be extended to virtual (i.e., non-materialized or digital) cards on the user's virtual debit or credit card. The digital wallet module 317 may be installed on the smartphone or it is an existing built-in function of the smartphone. The digital wallet 317 may store credit card data 334, debit card data 336, coupon or bonus card account digital information. Once the wallet 317 is installed and the user enters payment information, the wallet stores the information by linking a personal identification format, such as a number or key, a two-dimensional code, or an owner image, to each card stored.

In a dynamic manner, the virtual card may be updated more frequently and less expensively in an implementation. In some embodiments of a virtual card in the wallet 317 or a physical card with a display 1800, the bit emoticon 500 is digitally linked to the card 516, which may be dynamic or user selectable, reflecting: different individual moods, moods or behaviors of the user; different circumstances of the user, such as financial emotional environment data 514 or activities in which the user is engaged; or different levels of income, savings, or investment performance. For example, in one embodiment, a person's financial bit emoticon 500 may be dynamically user-selectable to reflect a user's fear or greedy of investing; hunger when the person pays for takeaway; pleasure when salary or other revenue is deposited into their account.

Modules 308, 310, 312, 314, 316, 317, 350, 360 and other modules implement APIs containing functions/subroutines that may be performed by another software system, such as email and internet access control. The API represents an application programming interface. The system and method described in the present invention may be implemented in a variety of technical computing environments, including Simple Object Access Protocol (SOAP) or in representational state transfer (REST). REST is a software architecture style of the world wide web. The REST API is a networking API that may be published to allow various clients (e.g., mobile applications) to integrate with the organization's software services and content. As will be appreciated by those skilled in the art, many commonly used applications work using REST APIs.

Referring to fig. 3, in some implementations, the personal avatar engine/module 308 may receive media consumption attribute data from the media consumption module 312, media interaction attribute data from the social media interaction module 314, and game interaction attribute data from the gamification module 314 to generate at least one user personal avatar virtual object or bit emoticon for each user of the system 300. "attribute data" includes ASCII characters in computer-readable form or binary compiled data, such as biometric data. The ASCII characters or binary data may operate in the software of system 300.

Referring to fig. 3, 6 and 7, modules 308, 310, 312, 314, 316, 317, 350, 360 and other modules implement API implementation attribute data for a user. The attribute data 320 relates to a unique user ID 322. The attribute data 323 relates to virtual object content, personal avatar data associated with the user, to generate the financial bit emoticon 500. Media consumption analysis may include media attribute record 324 storage instructing the user to read news articles, view financial instrument prices, history charts, technical charts, financial calendars, research reports, and the like. The media consumption module 310 may be a software system implementing an API containing functions/subroutines. The virtual wallet 317 includes digital virtual credit card attribute data 334. In other embodiments, the virtual wallet 317 includes digital virtual debit card attribute data 336.

Referring to fig. 3, 6, and 8, the social media interaction module 312 implements social attribute data 326 about the user's social media interactions 800 within the system 300 and external networks. Social media interaction analysis may include social attribute record storage, such as who the user is paying attention to; who is paying attention to the user; posts, praise, comment, internal and external share issued by a user; the private federation the user is in and who is among the other members of these private federations are in the system. The social media interaction module 312 may be a software system implementing an API containing functions/subroutines.

Referring to fig. 3, 6, 9, 10, 11, 14, the gamification module 314 implements game attribute data 328 regarding game play by the user. The dynamic bit emoticon data 500 may include game link attribute data 518 that electronically links the modules 314. This configuration enables the bit emoticon data 500 to be ported or linked to various games configured to receive the bit emoticon data 500. The gameplay analysis may include tools that the user owns in their watchlist environment 1100 and their portfolio 900, as well as tools that the user purchases or sells. In the gamification module 314, virtual portfolio management games are enabled using a watchlist environment 1100 with watchlist attribute data, securities and individuals play against a global digital virtual fantasy league environment 1000 with user league attribute data. In this way, users of the system 300 can organically understand that investment is with respect to producing a consistent return on capital over time, and employ a diversity concept without excessive trading. In some implementations, the system 300 enables users to create and manage their own private tournaments and invite their friends, colleagues, and classmates to compete with them. In some embodiments, the group chat functionality enables members of the private federation to communicate between them. They may further collaborate with users communicating with the group chat in these private unions. In this way, the user can learn to invest in a risk-free manner. In some implementations, the module 314 includes a digital trophy — an award provided by the technology platform to identify the user's progress or achievement in various potential interactions. The gamification module 314 may be a software system that implements an API containing functions/subroutines.

Referring to fig. 3 and 6, the matching module 316 implements attribute data 332 for matching each user's profile with automatically indexed content. Content may be indexed using machine learning techniques in accordance with the present invention. The user is then provided with the content having the strongest match through various publication techniques including notifications and the user's media feed 700. In some implementations, the matching module 316 implements attribute data for matching users with other users. Users with similar personal interests data may "introduce" each other to the other, becoming a suggested focus. This is done to encourage participation and peer-to-peer learning. In some implementations, the matching module 316 implements the attribute data for matching to include a product, such as a financial product. Some or all of the components of a user's profile, including their interests, financial performance, risk and behavioral characteristics, may be used to match the user with financial products having similar characteristics. The matching module 316 may be a software system implementing an API containing functions/subroutines.

In one embodiment of the present invention and with continued reference to fig. 3, the personal avatar engine/module 308, the system 300 represents the user with changing or dynamic bit emoticons in the digital attribute data 323. These changes can be interpreted and numerically expressed as mood swings between multiple personalities, which can cause slight changes in user interest even without interaction. One of the points in recommending media content (e.g., financial content) is that the relevance of the content to the consumer's interests is time sensitive, i.e., when more recent media content is available, the content that is likely to be relevant at one time can easily become irrelevant. In accordance with at least one embodiment of the system 300, available media content at any point in time may also account for changes in consumer/user interests from one small time period to another based on dynamic changes in the bit emoticons.

Referring to FIG. 12, in some embodiments, the system 300 with the gamification module 314 employs a price and portfolio position profit alert engine 2000, the task of which is to send (in the form of mobile device notifications) alerts to the user (in the game with the gamification module 314) regarding significant changes in securities prices and significant changes in the user's predicted positions of profit and loss. In some embodiments, if the latest price of a tool exceeds the lowest/high of 52 weeks, the system 300 will draw a chart and publish it as a tweet to the media feed 700 (e.g., # invstream).

In some embodiments of the system 300 and method, referring to fig. 3, 5, 14, and 17, the print module 350 has machine-readable instructions 306 configured to print a physical representation (e.g., an image) of the bit emoticon data 500 onto a plastic or metal card 1700, such as a payment card or debit card, or the like. In some embodiments, the described techniques may be used to print an image representing dynamic head portrait data on a substrate body. In one such embodiment, the card 1700 may be printed onto a flexible substrate body of flexible material (e.g., a flexible polymer). Multiple layers of such materials may be bonded together to form a multi-layer flexible structure. Such a multi-layer structure may be laminated (e.g., by high heat lamination, hot lamination, and/or cold lamination) to form a card. The card 1700 may be programmed before or after lamination. In another embodiment, a sheet of card 1700 may be printed/etched on a substrate body of a rigid material (e.g., a noble or high density metal such as silver, titanium, tungsten, or a high strength metal such as stainless steel, and may include a non-noble metal plated with a noble metal.) the multiple layers of the rigid substrate may include one or more non-conductive layers bonded together with the metal layers to form a multi-layer sandwich structure (e.g., an APPLE card structure). The card 7100 may be programmed by a direct connection between the programmer and one or more contacts on the card. A card may be programmed through capacitive, optical, or inductive communication via a communication link between the programmer and one or more components (e.g., contacts) on the card. A sheet of card having a flexible substrate body or a rigid substrate body can be laminated and programmed capacitively, optically or inductively. The external resource 340 shown in fig. 3 may include a card printer of U.S. patent 7,992,774, which is incorporated herein by reference. An exemplary Evolis Avansia model of a commercially available card printer may be used in one or more embodiments of the invention.

In some embodiments of the system 300 and method, referring to fig. 18 and 19, a card computing platform system 1800 (in one example, a flexible substrate body or a rigid substrate body with computing platform 302) may have an LCD display 1810 and one or more onboard processors 1820 with wireless connectivity with onboard batteries 1830 to power the components therein. The card 1800 may include electronic storage 1860, such as electronic storage 330, which may include non-transitory storage media that electronically store data information. In one embodiment, the card may have computer technology within the card provided by Dynamics, inc. (www.dynamicsinc.com) or another card with antenna and transceiver technology, such as described in U.S. patent No. 7,784,687 (incorporated herein by reference). Additional external communication devices may be provided on the card 1800. For example, a USB port or Wi-Fi antenna 1850 can be provided on the card. For example, such additional external communication devices may allow a user to communicate with a stationary computer, a laptop computer, or other devices. For example, such communication devices may be used to load user-selectable dynamic bit emoticon data 500 or other information (e.g., transaction or account information) from a laptop to a card 1800 or other device.

In one embodiment, an RFID antenna 1840 may be disposed on the card 1800. Such an RFID antenna 1840 may be operable to communicate information provided by the processor 1820. In this manner, the processor 1820 may communicate with an RFID device using the RFID antenna 1840 and may communicate with a magnetic stripe on the back of the card 1800, for example. Both the RFID antenna 1840 and the magnetic stripe may be used to communicate payment card information (e.g., credit card information) to the reader. The processor 1820 may also be electrically coupled to the display 1810 such that the user-selectable dynamic bit emoticon data 500 may be displayed on the display 1810. Smart card chips 1705, 1805 using ISO/IEC 14443 and ISO/IEC 7816-4 (Smart chip data with application protocol data Unit) may be included on the card 1800, for example, instead of, or in addition to, RFID devices.

In some implementations, a mobile client (e.g., smartphone, wearable computing device, tablet) communicates with a processor 1810 on a card 1800 (in one or more examples, one of a flexible substrate body or a rigid substrate body) to provide user-selectable dynamic bit emoticon data 500 from the virtual wallet 317 to the electronic storage 1860. Referring to fig. 3 and 5, the card link data 516 may be configured to electronically link the user-selectable dynamic bit emoticon data 500 to the card 1800 via the display module 360 or other method for presentation on the display 1810. The customized personal avatar and related content can be easily extrapolated to a variety of specific financial emotion simulation templates and situations based on the user-generated original personal avatar provided by the dynamic bit emoticon data 500. Each avatar and content item may be adjusted and modified to suit a given user's particular preferences, and the system 300 may record and organize prior uses as part of the maintenance process provided by the module 308. Thus, the user can simultaneously link the bit emoticon data 500 to multiple cards 1800 to give a display.

Those skilled in the art will appreciate that the static tracks may be read and write tracks, such that information may be written to the tracks from a magnetic stripe reader that includes an operable magnetic head that magnetically encodes data onto the tracks. Information may be written to the track as part of a payment process (e.g., a credit or debit card transaction). Those skilled in the art will appreciate that the static tracks may comprise magnetic material including ferromagnetic material that provides a magnetic flux reversal such that the magnetic stripe reader can read the magnetic flux reversal from the static tracks.

In some implementations, computing platform 302, remote platform 304, and/or external resources 340 may be operatively linked via one or more electronic communication links. Such electronic communication links may be established, for example, at least in part over a network such as the internet and/or other networks. It should be understood that this is not intended to be limiting, and that the scope of the present invention also includes embodiments that enable computing platform 302, remote platform 304, and/or external resources 340 to be operatively linked through some other communications medium.

A given remote platform 304 may include one or more processors configured to execute computer program modules. The computer program modules may be configured to enable an expert or user associated with a given remote platform 304 to interface with the system 300 and/or external resources 340 and/or provide other functionality attributed herein to the remote platform 304. In a non-limiting example, given remote platform 304 and/or given computing platform 302 may include one or more of a server, a desktop computer, a laptop computer, a handheld computer, a tablet computing platform, a netbook, a smartphone, a gaming console, and/or other computing platform.

External resources 340 may include information sources external to system 300, entities external to participating system 300, and/or other resources. In some embodiments, some or all of the functionality attributed herein to external resource 340 may be provided by resources included in system 300.

Computing platform 302 may include electronic memory 330, one or more processors 318, and/or other components. Computing platform 302 may include communication lines or ports to enable the exchange of information with a network and/or other computing platforms. The illustration of computing platform 302 in fig. 3 is not intended to be limiting. Computing platform 302 may include a number of hardware, software, and/or firmware components that operate together to provide the functionality attributed herein to computing platform 302. For example, computing platform 302 may be implemented by one computing platform cloud operating together as computing platform 302.

Electronic storage 330 may include non-transitory storage media that electronically store information. The electronic storage media of electronic storage 330 may include one or both of system storage that is provided integrally (i.e., substantially non-removable) with computing platform 302 and/or removable storage that is removably connectable to computing platform 302 via, for example, a port (e.g., a USB port, a firewire port, etc.) or a drive (e.g., a disk drive, etc.). Electronic storage 330 may include one or more of optically readable storage media (e.g., optical disks, etc.), magnetically readable storage media (e.g., magnetic tape, magnetic hard drive, floppy drive, etc.), electrical charge-based storage media (e.g., EEPROM, RAM, etc.), solid-state storage media (e.g., flash drive, etc.), and/or other electronically readable storage media. Electronic storage 330 may include one or more virtual storage resources (e.g., cloud storage, virtual private networks, and/or other virtual storage resources). Electronic storage 330 may store software algorithms, information determined by processor 318, information received from computing platform 302, information received from remote platform 304, and/or other information to enable computing platform 302 for functionality as described herein.

Processor 318 may be configured to provide information processing capabilities in computing platform 302. Thus, processor 318 may include one or more digital processors, analog processors, digital circuits designed to process information, analog circuits designed to process information, state machines, and/or other mechanisms for electronically processing information. Although the processor 318 is shown as a single entity in fig. 3, this is for illustration purposes only. In some implementations, the processor 318 may include multiple processing units. These processing units may be physically located within the same device, or processor 318 may represent processing functionality of a plurality of devices operating in coordination. Processor 318 may be configured to execute modules 308, 310, 312, 314, 316, 317, 350, 360, and/or other modules. Processor 318 may be configured to execute modules 308, 310, 312, 314, 316 and/or 317, 350, 360 and/or other modules via software; hardware; firmware; some combination of software, hardware, and/or firmware; and/or other mechanisms for configuring processing capabilities on processor 318. As used herein, the term "module" may refer to any component or collection of components that perform the function attributed to that module. This may include one or more physical processors, processor-readable instructions, circuitry, hardware, storage media, or any other component during execution of the processor-readable instructions.

It should be appreciated that although modules 308, 310, 312, 314, 316, 317, 350, and 360 are illustrated in fig. 3 as being implemented within a single processing unit, in implementations in which processor 318 includes multiple processing units, one or more of modules 308, 310, 312, 314, 316 and/or 317, 350, 360 may be implemented remotely from the other modules. The description of the functionality provided by the different modules 308, 310, 312, 314, 316, 317, 350, and/or 360 described below is for illustrative purposes, and is not intended to be limiting, as any of modules 308, 310, 312, 314, 316 and/or 317, 350, 360 may provide more or less functionality than is described. For example, one or more of modules 308, 310, 312, 314, 316, 317, 350, and/or 360 may be eliminated, and some or all of its functionality may be provided by other ones of modules 308, 310, 312, 314, 316, 317, 350, and/or 360. As another example, processor 318 may be configured to execute one or more additional modules that may perform some or all of the functionality attributed below to one of modules 308, 310, 312, 314, 316, 317, 350, and/or 360.

FIG. 4 illustrates a method 400 for data processing in accordance with one or more embodiments. The operations of method 400 presented below are for illustrative purposes. In some implementations, the method 400 may be accomplished by one or more other operations not described and/or not by one or more of the operations discussed. Further, the order of the operations of method 400 is illustrated in FIG. 4, and the following description is not intended to be limiting.

In some implementations, method 400 may be implemented in one or more processing devices (e.g., a digital processor, an analog processor, a digital circuit designed to process information, an analog circuit designed to process information, a state machine, and/or other mechanisms for electronically processing information). The one or more processing devices may include one or more devices that perform some or all of the operations of method 400 in response to instructions stored electronically on an electronic storage medium. The one or more processing devices may include one or more devices configured through hardware, firmware, and/or software to be specifically designed for performing one or more operations of the method 400.

FIG. 4 illustrates a method 400 in accordance with one or more embodiments. Operation 402 may include generating media consumption data from a computer-readable user data record set. In accordance with one or more embodiments, operation 402 may be performed by one or more hardware processors configured by machine-readable instructions comprising the same or similar modules as modules 310.

Operation 403 may include electronically processing the computer-readable set of user data records to generate a virtual wallet. In accordance with one or more embodiments, operation 403 may be performed by one or more hardware processors configured by machine-readable instructions comprising the same or similar modules as modules 317.

In accordance with one or more embodiments, operation 404 may include electronically processing a computer-readable set of user data records to generate social interaction data 800. Operation 404 may be performed by one or more hardware processors comprising a machine-readable instruction configuration of the same or similar modules as module 312.

Operation 406 may include electronically processing the computer-readable set of user data records to generate game interaction data. In accordance with one or more embodiments, operation 406 may be performed by one or more hardware processors configured by machine-readable instructions comprising the same or similar modules as modules 314.

Operation 408 may include electronically processing the personal avatar data. In accordance with one or more embodiments, operation 408 can be performed by one or more hardware processors configured by machine-readable instructions comprising the same or similar modules as module 308.

Operation 410 may comprise generating a computer-readable user profile vector or profile vectors associated with at least one user data record or each user data record. In accordance with one or more implementations, operation 410 may be performed by one or more hardware processors configured by machine-readable instructions comprising modules that are the same or similar to modules 308.

Operation 412 may include electronically processing the user profile to generate matching parameters. In accordance with one or more embodiments, operation 412 may be performed by one or more hardware processors configured by machine-readable instructions comprising the same or similar modules as module 316.

Aspects of the present invention provide a rich user experience by integrating one or more of personalized content, gaming for financial markets, social features, and e-commerce capabilities in a single user experience.

FIG. 13 illustrates a schematic diagram of a digital computing environment 300' in which certain aspects of the present invention may be implemented. In some implementations, the modules 308, 310, 312, 314, 316, and 317 discussed are used in the environment 300'. In some embodiments, a portfolio page is provided that displays a customer's portfolio and a historical representation of the portfolio. In some embodiments, a watchlist is provided that displays financial instruments of interest to a customer. In some embodiments, a section is provided in which a customer may find new tools to pay attention to or invest in. In some embodiments, a tool center is provided in which customers can view the underlying data for each financial tool; a community mood; history, comparison and technical charts; and specialized news information, including news articles, research reports, and event calendars for each financial instrument. In some embodiments, a "trading screen" is provided in which the customer can perform a trade. In some implementations, a leaderboard page is provided in which the customer may find the best performing person within the community. In some embodiments, a trace record function is provided — an analysis of the customer's portfolio that describes its performance; implicit investment authorization; investment style based on financial factor analysis; analyzing the behavior of the user investment transaction history; a measure of whether a user is successful in determining the entry and exit opportunities of his investment decision. In some embodiments, users are provided with the ability to open bank and brokerage accounts and spend their funds or invest her funds in a wide range of financial assets and cryptocurrency using a connected debit card.

The systems 300 and 300' make it possible for an individual to use technology. The personal avatar authoring module 308 with bit emoticons 500 provides a way for users to create and manage their own personal financial brands. This will help increase the user's engagement with the financial services or products offered, with the added benefit of enhancing the personal financial management best practices. The system 300 facilitates customer participation and helps customers build confidence, knowledge, and wealth in a financial investment environment. It overcomes the problems that have been identified in terms of pervasive investment. While the technology has been described for illustrative purposes based on what is currently considered to be the most practical and preferred embodiment, aspects of the invention may be applied to many other industries, as long as the technology platform or service provider seeks to create maximum customer involvement, personalization, and convenience.

Although the present technology has been described in considerable detail with reference to what is presently considered to be the most practical and preferred embodiments, it is to be understood that such detail is solely for that purpose and that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover modifications that are within the spirit and scope of the appended claims. For example, it is to be understood that the present technology contemplates that, to the extent possible, one or more features of any embodiment can be combined with one or more features of any other embodiment.