TWI735949B - System and method for dynamically adjusting financial service content in real time - Google Patents

Abstract

A system and a method for dynamically adjusting financial service contents in real time are provided. The system includes a server for obtaining financial information and contribution of a client terminal and accordingly provides a personalization task to the client terminal. The server instantly provides customized financial reward feedback to the client terminal according to completion status of the personalization task by the client terminal.

Description

System and method for real-time dynamic adjustment of financial service content

The present invention relates to financial services, in particular to a system and method for real-time and dynamic adjustment of financial service content.

Points are points that financial institutions give certain points and rewards when customers consume in order to maintain customers. It can be said that points are one of the important means of customer relationship management. It is an evolution from member management to maintain customer loyalty and increase customer stickiness. Effective way. However, although major financial institutions currently have the concept of points, they are not comprehensive enough.

The technical problem to be solved by the present invention is to provide a system for real-time and dynamic adjustment of financial service content in view of the shortcomings of the prior art, which is suitable for clients of financial institutions. The system for real-time dynamic adjustment of financial service content includes a server. The server obtains the client's financial data and contribution data, provides personalized tasks to the client based on the financial data and contribution data, and provides corresponding customized financial rewards to the client in real time based on the completion of the personalized tasks by the client end.

In one aspect, the server scores the client according to the client's degree of completion of the personalized task, the speed of completion, the nature of the personalized task, the degree of difficulty, or any combination thereof. The server accumulates rewards and rewards vouchers based on the score, and the server dynamically provides corresponding customized financial rewards to the client based on the accumulated rewards and rewards vouchers.

In one aspect, the financial data includes financial transaction history data of one or more financial transactions performed by the client.

In one aspect, financial institutions define multiple levels of contribution, and the contribution data includes the current contribution of the client and the data of which contribution level it belongs to.

In one aspect, personalization tasks include games, financial behaviors, financial service experiences, or a combination thereof.

In one aspect, the server obtains updated financial information and contribution data to provide updated personalized tasks to the client.

In addition, the present invention provides a method for real-time and dynamic adjustment of financial service content, which is suitable for clients of financial institutions. The method for real-time and dynamic adjustment of financial service content includes the following steps: obtaining the client's financial information and contribution data; and completing according to the client In the case of personalized tasks, corresponding customized financial rewards will be provided to the client in real time.

In one aspect, the method for real-time and dynamic adjustment of financial service content further includes the following steps: according to the client’s degree of completion of the personalized task, the completion speed, the nature of the personalized task, the degree of difficulty, or any combination thereof, According to the accumulated reward and reward vouchers, and according to the accumulated reward and reward vouchers, provide corresponding customized financial rewards to the client dynamically in real time.

In one aspect, the method for real-time and dynamic adjustment of financial service content further includes the following steps: obtaining financial data, including financial transaction history data of one or more financial transactions performed by the client.

In one aspect, the method for real-time and dynamic adjustment of financial service content further includes the following steps: defining a plurality of contribution levels; obtaining contribution data, including the current contribution of the client and the data of which contribution level it belongs to.

In one aspect, the method for real-time and dynamic adjustment of financial service content further includes the following steps: providing personalized tasks including games, financial behaviors, financial service experiences, or a combination thereof.

In one aspect, the method for real-time and dynamic adjustment of financial service content further includes the following steps: obtaining updated financial information and contribution data to provide updated personalized tasks to the client.

In order to further understand the features and technical content of the present invention, please refer to the following detailed description and drawings about the present invention. However, the provided drawings are only for reference and description, and are not used to limit the present invention.

The following are specific specific examples to illustrate the disclosed embodiments of the present invention, and those skilled in the art can understand the advantages and effects of the present invention from the content disclosed in this specification. The present invention can be implemented or applied through other different specific embodiments, and various details in this specification can also be based on different viewpoints and applications, and various modifications and changes can be made without departing from the concept of the present invention. In addition, the drawings of the present invention are merely schematic illustrations, and are not drawn according to actual dimensions, and are stated in advance. The following embodiments will further describe the related technical content of the present invention in detail, but the disclosed content is not intended to limit the protection scope of the present invention.

It should be understood that although terms such as “first”, “second”, and “third” may be used in this document to describe various elements or signals, these elements or signals should not be limited by these terms. These terms are mainly used to distinguish one element from another, or one signal from another signal. In addition, the term "or" used in this article may include any one or a combination of more of the associated listed items depending on the actual situation.

Please refer to FIG. 1, which is a block diagram of a system for real-time and dynamic adjustment of financial service content according to an embodiment of the present invention. The system for real-time and dynamic adjustment of financial service content as shown in Figure 1 includes a server SEV, which is suitable for client CLT of financial institutions such as banks. The embodiment herein only exemplifies a single client CLT, but it should be understood that the present invention is applicable to more client CLTs, and is not limited to the number of client CLTs.

The server SEV can obtain the financial data FNC of the client CLT from the bank host of the bank or other sources. The financial information FNC may include relevant information about any financial behavior performed by the client CLT. For example, the financial data FNC may include, but is not limited to: the client CLT conducts one or more financial transactions through a physical bank or online banking within an adjustable specified time range or an unspecified time. Time, the recorded financial transaction history data.

Banks can define multiple levels of contribution. The bank can classify the client CLT according to the financial data FNC. For example, the client CLT is classified according to the type, time, amount, frequency, frequency, etc. of the financial service provided by the bank or the financial behavior performed by the client CLT. The server SEV can obtain the contribution data CTB of the client CLT from the bank host of the bank or other sources, for example, including the current contribution of the client CLT to the bank and the contribution level of the data.

The server SEV can provide the corresponding personalized task TSK to each client CLT based on the financial data FNC of the client CLT and the contribution data CTB. The server SEV can limit or not limit the client CLT to complete the personalized task TSK according to the needs of the bank within a specified completion time. After the client CLT completes the one-stage personalized task TSK, it can re-time the next stage of the personalized task TSK to limit the completion time.

For the convenience of description, in this embodiment, the personalized task TSK may include, but the present invention is not limited to: games (such as Russian turntable, tic-tac-toe, scratch and scratch music, etc.), financial behavior (such as transfer, exchange, purchase of wealth management goods, Swipe full credit, apply for loans, purchase insurance products, use mobile banking to scan code payments, deposits, etc.), as well as financial service experience (such as E refers to card application, application APP such as LINE personalized notification service, etc.).

For example, the server SEV can provide a personalized task TSK highly related to the financial data FNC and the contribution data CTB to the client CLT. For example, the client CLT's recent, previous or multiple financial transactions are transfers, such as If the historical cumulative transfer amount reaches 200,000 yuan, it provides a personalized task TSK that achieves a target cumulative transfer amount higher than the historical cumulative transfer amount within a limited time range or unspecified time, for example, a personalized task TSK of up to 250,000 yuan.

When the client CLT conducts financial transactions again, for example, after reaching the target accumulated transfer amount specified by the personalized task TSK, for example, after reaching 250,000 yuan, the server SEV can instantly obtain and make contributions based on the bank's updated client CLT financial information FNC and and The degree data CTB provides a new personalized task TSK that increases the target cumulative transfer amount in real time, for example, the target cumulative transfer amount reaches 300,000 yuan. Or, instead of the above cumulative amount method, a personalized task TSK is used to achieve a target transfer amount for each transfer amount.

For another example, the server SEV can provide the client CLT with a personalized task TSK related to the financial data FNC and the contribution data CTB. For example, in an event time/limited time or unlimited time, apply for the personalized task TSK for the credit card for the first time. After the client CLT applies for a credit card, the server SEV can instantly obtain and update the financial data FNC and contribution data CTB of the client CLT by the bank, and dynamically provide/update the personalized task TSK in real time, such as using the applied credit card to spend up to A new personalized task TSK of 10,000 yuan.

It should be understood that the above transfer and credit card application are only examples, and the present invention is not limited to this. In practice, it can be replaced with other personalized tasks TSK or other financial behaviors well known in the art as exemplified herein. The server SEV can provide multiple personalized task TSKs to the client CLT at one time, or provide only one personalized task TSK at a time, and then provide another personalized task TSK after completion.

The client CLT can open the platform provided by the bank such as website Web, application APP, etc. through an electronic device (for easy understanding, hereinafter referred to as the client device), and know the server SEV within a specified or unspecified time According to the relevant information of the personalized task TSK provided by each client CLT, obtain and perform the personalized task TSK.

In order to increase the client CLT’s motivation and willingness to conduct financial transactions in the same bank, the server SEV can, for example, but not limited to, provide different financial rewards and rewards CFRF according to one or more of the following examples of rewards and rewards: Identity, membership level, financial data FNC’s historical financial behavior, contribution data CTB’s contribution level, as well as the nature/category of the personalized task TSK, difficulty/achievement threshold, event time such as length of time, specific festivals, financial transactions Value, operating cost, bank/financial institution revenue, and national or international economic/market information such as foreign exchange interest rates for personalizing tasks TSK's financial activities.

The above rewards and rewards conditions are the information that the client CLT can obtain before the personalized task TSK. After the client CLT performs the personalized task TSK, the server SEV can further provide corresponding customized financial rewards based on the speed, completion degree, completion time and other relevant data of the client CLT to complete the personalized task TSK. CFRF gives CLT to the client.

The server SEV can provide customized financial rewards to the client CLT immediately after the client CLT completes a single personalized task TSK. Or, the server SEV can adopt an accumulation mechanism, for example, after completing multiple designated personalized tasks TSK, it will provide customized financial rewards to return CFRF.

For example, the server SEV can score the client CLT’s performance of the client’s CLT, such as the speed, completion, and completion time of the personalized task TSK completed by the client CLT, and can provide the score to the client CLT, such as transmitting To the client device of the client CLT or a designated platform, for example, it can only be queried after the client CLT is logged in, or displayed on the web pages of the bank website and the application APP that can be queried by the public.

After the client CLT completes the personalized task TSK, the server SEV can instantly provide different types of rewards vouchers PT based on the scoring score and/or the above-mentioned examples of reward feedback conditions such as the difficulty of the personalized task TSK, etc., such as (virtual的) Points, currency, coupons, bonuses, etc., are only examples for illustration, and the present invention is not limited thereto. The server SEV can be limited or not limited to a designated time for redemption according to the needs of the bank, and the client CLT can exchange the reward reward voucher PT for the actual reward reward.

The client CLT can, for example, obtain the reward reward certificate PT from the server SEV through the client device by completing the personalized task TSK every time, and exchange the corresponding actual reward reward to the physical bank, online bank or server SEV. Or, the client CLT can accumulate the reward reward voucher PT in exchange for a more favorable actual reward reward.

The server SEV can be based on the device identification code of the client device for opening (and logging in) the specified application APP, website Web or other platforms, such as the network IP address or web page cookie, or the client provided by the client device CLT’s ID card number, member code, ID or account secrets and other identification data to identify the viewing, obtaining and completing the personalized task TSK, the reward reward voucher PT, and the customized financial reward feedback CFRF client CLT identity.

Please refer to FIG. 2, which is a block diagram of a scenario case of a system for real-time and dynamic adjustment of financial service content according to an embodiment of the present invention. The system for real-time and dynamic adjustment of financial service content as shown in Figure 2 includes a server SEV, which is suitable for the bank's client CLT. For ease of understanding, this embodiment cites a scenario case as shown in FIG. 2, but the present invention is not limited to this. The same parts as the embodiment in FIG. 1 will not be repeated here.

The financial data FNC of the client CLT of the bank record may include the financial services provided by the bank received by the client CLT over the years and relevant information about the financial activities performed at the bank. The bank can define multiple levels of contribution and classify the client CLT according to the financial data FNC, such as but not limited to general customers, VIP customers, and VVIP customers based on low to high contributions.

The server SEV can obtain the financial data FNC of the client CLT from the bank or other sources in real time to determine the financial services that the client CLT prefers, have not tried or used frequently, and have not conducted financial activities of overseas fund transactions, and provide complete exchange Fully personalized task TSK.

The server SEV can determine the threshold of the full amount of exchange based on the financial data FNC of the client CLT, such as the amount of deposit, and the level of the client CLT indicated by the contribution data CTB, such as VIP customers, and can be based on different difficulties/ The threshold of the personalized task TSK provides corresponding customized financial rewards to CFRF.

For example, when the client CLT completes the full amount of exchange within one day of the server SEV limit, such as a personalized task TSK for buying/selling foreign currency up to NT$500,000, it will give 5 points and place a financial transaction. It can be exchanged immediately and enjoy the exchange rate, interest rate, handling fee or other preferential rewards of the corresponding point value. If the bank considers it necessary, the server SEV can limit the way the client CLT completes the personalized task TSK. For example, it must use the application APP provided by the bank to complete the personalized task TSK to obtain customized financial rewards and return CFRF. It is suitable for personal online banking, so that the client CLT is used to and relies on the use of the application APP that facilitates financial transactions.

For another example, the personalized task TSK may be a tic-tac-toe game. The client CLT has reached the personalized task TSK to win three consecutive times of playing Tic-Tac-Toe, and can get the one-month demand deposit interest rate of the designated account in the next month plus one yard of customized financial rewards to give back to CFRF, up to 5 yards. The maximum deposit amount is 480,000.

For another example, the client CLT reached the personalized task TSK to participate in the purchase of foreign currency in the same month, obtained customized financial rewards of equivalent virtual currency to return CFRF, and used virtual currency to play various games such as Russian turntable, tic-tac-toe, scratch-off and other games to accumulate The higher the score, the higher the score, the customized financial rewards will be given back to CFRF for the foreign currency fixed deposit discount of the designated account in the next month.

For another example, the client CLT reached the same month by using bonus points to participate in the Russian carousel game, and transferred to the personalized task TSK with the same pattern five times in a row, to obtain customized financial rewards for the designated account credit card payment in the next month to repay CFRF.

Please refer to FIG. 3, which is a flowchart of a method for real-time and dynamic adjustment of financial service content according to an embodiment of the present invention. The method for real-time and dynamic adjustment of financial service content in this embodiment includes the steps shown in FIG. 3, and the system for real-time and dynamic adjustment of financial service content as shown in FIG. 1 or FIG. 2 can be used. The detailed description is as follows.

In step S301, the server SEV can instantly obtain the financial data FNC of the client CLT over the past years, several years ago, or within a time range.

In step S303, the server SEV can instantly obtain the contribution data CTB of the client CLT over the past years, several years ago, or within a time range.

In step S305, the server SEV compares the financial data FNC with the contribution data CTB to provide the corresponding personalized task TSK to the client CLT in step S307.

In step S309, the server SEV can determine whether the client CLT has completed the personalized task TSK. If not, wait for the client CLT to perform the personalized task TSK, and continue to perform this step. If yes, step S311 is executed, and the server SEV determines the difficulty level of the personalized task TSK.

In step S313, the server SEV immediately gives the client CLT a corresponding reward feedback certificate PT according to the difficulty level of the personalized task TSK completed by the client CLT. For example, the server SEV divides multiple personalized task TSKs of different difficulty levels into high-level, intermediate-level, low-level, etc. The client CLT completes the higher-level personalized task TSK, the more reward reward certificates PT can be obtained.

In step S315, while the server SEV provides the reward feedback certificate PT to the client CLT, it can also provide the client CLT with information about the customized financial reward feedback CFRF that can be exchanged for different reward reward certificates PT. In this way, the client CLT can immediately redeem the customized financial reward back CFRF when it obtains the reward reward voucher PT.

When performing new financial behaviors on the client CLT, such as using customized financial rewards to return CFRF discounts to new financial behaviors, the bank will record the new financial data FNC to the database and re-evaluate the contribution of the client CLT to the bank If necessary, the contribution level of the contribution data CTB can be changed and recorded in the database.

After the client CLT performs a new financial behavior or completes a stage of personalized task TSK, the server SEV can perform steps S301~S307 again to obtain updated financial data FNC and contribution data CTB to provide new personalized tasks TSK, and perform steps S309~S315 again to provide customized financial rewards to CFRF corresponding to the new personalized task TSK.

Please refer to FIG. 4, which is a flowchart of a method for real-time and dynamic adjustment of financial service content according to an embodiment of the present invention. The method for real-time and dynamic adjustment of financial service content in this embodiment includes the steps shown in FIG. 4, and the system for real-time and dynamic adjustment of financial service content as shown in FIG. 1 or FIG. 2 can be used. The specific description is as follows.

In step S401, the server SEV can instantly obtain the financial data FNC of the client CLT over the past years, several years ago, or within a time range.

In step S403, the server SEV can instantly obtain the contribution data CTB of the client CLT over the years, several years ago, or within a time range.

In step S405, the server SEV can compare the financial data FNC and the contribution data CTB to provide the corresponding personalized task TSK to the client CLT in step S407.

In step S409, the server SEV may determine the completion degree of the client CLT in executing the personalized task TSK.

In step S411, the server SEV can determine the speed at which the client CLT executes the personalized task TSK. For example, the server SEV can obtain the client device, application APP or website Web platform of the client CLT, and record the starting time point of the client CLT executing the personalized task TSK and the end of completing the personalized task TSK The time point is used as a basis for judging the completion speed, which is only illustrated here, and the present invention is not limited to this.

In step S413, the server SEV may score the client CLT according to the completion degree and completion speed of the client CLT in step S409 to perform the personalized task TSK.

For example, the server SEV may complete all the content of the personalized task TSK at the client CLT, that is, when the completion degree is 100%, it will give a point, such as 1 point, in step S415, but the content of all the personalized task TSK has not been completed. , No score is given. Alternatively, the server SEV can give corresponding scores according to the different proportions of the completion degree of the client CLT performing the personalized task TSK. The higher the completion degree, the higher the score will be obtained, and vice versa, for example, the completion degree is 100%. Give 100 points, 90% for completion, give 90 points, and so on. The above are only examples, and the present invention is not limited thereto.

In addition, the server SEV can determine whether to add points to the client CLT according to the completion speed of the client CLT executing the personalized task TSK, for example, whether the personalized task TSK is completed within a time after the server SEV provides the personalized task TSK, or The client CLT judges the completion speed from the time it takes from the start of the personalized task TSK to the completion, and decides whether to give a higher score.

In step S415, the server SEV can give the client CLT a corresponding reward certificate PT based on the score. For example, the higher the SEV score of the server, the higher the reward reward certificate PT obtained by the client CLT.

In step S417, if the reward reward voucher PT to be obtained by the client CLT is redeemed for actual/substantial rewards, the server SEV dynamically provides corresponding customized financial reward feedback CFRF to the client CLT in real time.

It should be understood that the steps shown in FIG. 4 can be combined with the steps shown in FIG. 3 as appropriate. For example, the server SEV can also consider the difficulty of the personalized task TSK in step S311, and the client CLT in step S409 for the individual The completion degree of the task TSK and the completion speed of step S411 are used to determine the reward reward voucher PT given to the client CLT for redeeming the customized financial reward reward CFRF of the corresponding reward reward voucher PT of the client CLT.

[Beneficial effects of the embodiment]

In summary, the beneficial effect of the present invention is that the system and method for real-time and dynamic adjustment of financial service content provided by the present invention has the following advantages: 1. Compared with the current scheduled activities for completing tasks and earning points or rewards on the market, customers will only receive standardized feedback after the event is over, and they are not credited to the account immediately. This mechanism is not simply completing the task and giving the corresponding feedback to the standardized activities. It is a customized result that combines unique data such as financial transactions and contribution, and cross-calculates multiple data in real time. 2. Compared with the current market application as a reward system and consistent points or rewards after completing a transaction or task, this mechanism instantly feedbacks information to the system when the transaction and completion of the task are completed, and combines the customer’s past financial transaction data and contribution to the bank , Give customized rewards, feedback and personalized tasks. 3. The financial data of the system can be updated in real time, and based on the updated financial data, it provides customers with updated personalized tasks. According to the different financial behaviors of the customers at each stage, the customers are given corresponding phased tasks, so that the customers have specific goals. . 4. After each financial transaction or personalized task, the customer can get the corresponding reward and feedback mechanism immediately, which can stimulate the motivation of the customer to achieve the goal, improve the customer experience, make the customer experience more emotional, and improve the customer’s financial experience. The willingness of the institution to conduct financial transactions again, thereby enhancing the loyalty of customers to the bank.

The content disclosed above is only the preferred and feasible embodiments of the present invention, and does not limit the scope of the patent application of the present invention. Therefore, all equivalent technical changes made using the description and schematic content of the present invention are included in the application of the present invention. Within the scope of the patent.

SEV: Server CLT: Client FNC: Financial Information CTB: Contribution data Web: website APP: Application TSK: Personalized tasks PT: Reward certificate CFRF: Customized financial rewards S301~S315, S401~S417: steps

FIG. 1 is a block diagram of a system for real-time and dynamic adjustment of financial service content according to an embodiment of the present invention.

2 is a block diagram of a scenario case of a system for real-time and dynamic adjustment of financial service content according to an embodiment of the present invention.

Figure 3 is a flow chart of the steps of a method for real-time and dynamic adjustment of financial service content according to an embodiment of the present invention.

Fig. 4 is a flow chart of the steps of a method for real-time and dynamic adjustment of financial service content according to an embodiment of the present invention.

SEV: Server

CLT: Client

FNC: Financial Information

CTB: Contribution data

Web: website

APP: Application

TSK: Personalized tasks

PT: Reward certificate

CFRF: Customized financial rewards

Claims (10)

A system for real-time and dynamic adjustment of financial service content is suitable for a client of a financial institution. The system for real-time and dynamic adjustment of financial service content includes: a server that obtains a financial data and a contribution data of the client, wherein the The financial data includes a financial transaction history data recorded by the client during one or more financial transactions through a physical bank or online bank within an adjustable specified time range. The server is based on the financial data and the financial transaction history. Contribution data, providing a personalized task to the client to limit the client’s personal need to complete a phase of the personalization task’s financial activities including transfer, exchange, and purchase of wealth management products within a specified completion time , Swipe full credit, apply for a loan, purchase insurance products, use mobile bank to scan code payment, deposit or any combination thereof. The historical financial behavior of the financial data, the contribution level of the contribution data, and the type and nature of the personalization task, the difficulty, the threshold reached, the time of the event, the value of the financial transaction, the operating cost, the operating cost of the financial institution The foreign exchange rate of the country or the international market when receiving and performing the financial behavior of the personalized task, immediately provide a corresponding customized financial reward to the client, and complete a phase of the personalized task on the client After that, re-time the time limit for the completion of the personalized task in the next stage. For example, the system for real-time and dynamic adjustment of financial service content as described in item 1 of the scope of patent application, wherein the server is based on the client's degree of completion of the personalized task, completion speed, nature of the personalized task, difficulty, or its In any combination, score the client; the server accumulates a reward reward voucher based on the score, and the server dynamically provides the corresponding customized financial reward to the client according to the accumulated reward reward voucher . The system of real-time and dynamic adjustment of financial service content as described in item 1 of the scope of patent application The financial institution defines a plurality of contribution levels, and the contribution data includes the current contribution of the client and the data of the contribution level. The system for real-time and dynamic adjustment of financial service content as described in item 1 of the scope of patent application, wherein the personalized task includes a game, a financial service experience, or a combination thereof. For example, in the system for real-time and dynamic adjustment of financial service content as described in item 1 of the scope of patent application, the server obtains the updated financial data and the contribution data to provide the updated personalized task to the client. A method for real-time and dynamic adjustment of financial service content is applicable to a client of a financial institution. The method for real-time and dynamic adjustment of financial service content includes the following steps: obtaining the client through a physical bank or within an adjustable specified time range A financial data and a contribution data recorded when an online bank conducts one or more financial transactions; based on the financial data and the contribution data, provide a personalized task to the client; use a personalized task to instruct the customer The end individual needs to complete a stage of the personalization task within a specified completion time, including the transfer, exchange, purchase of wealth management products, full credit card payment, loan application, purchase of insurance products, and payment using mobile bank scan codes. , Deposit or any combination thereof; according to the client’s identity, membership level, historical financial behavior of the financial data, the contribution level of the contribution data, and the status of the personalized task Category and nature, degree of difficulty, threshold reached, event time, financial transaction value, operating cost, financial institution revenue, national or international market foreign exchange interest rates at the time of the financial behavior of the personalized task, in order to provide immediate corresponding A customized financial reward of the client is given back to the client; and after the client completes a phase of the personalized task, the next phase of the personalized task is timed again to limit the completion time. For example, the method for real-time and dynamic adjustment of financial service content as described in item 6 of the scope of patent application, further includes the following steps: according to the client's degree of completion of the personalized task, completion speed, the nature of the personalized task, difficulty or In any combination thereof, score the client; accumulate a reward reward voucher according to the score; and dynamically provide the corresponding customized financial reward to the client according to the accumulated reward reward voucher. For example, the method for real-time and dynamic adjustment of financial service content described in item 6 of the scope of patent application further includes the following steps: defining multiple levels of contribution; and obtaining the contribution data, including the current contribution of the client, and which Information about the contribution level. The method for real-time and dynamic adjustment of financial service content as described in item 6 of the scope of patent application further includes the following steps: providing the personalized task including a game, a financial behavior, a financial service experience, or a combination thereof. For example, the method for real-time and dynamic adjustment of financial service content described in item 6 of the scope of patent application further includes the following steps: obtaining updated financial information and contribution data to provide the updated personalized task to the client.

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