# US 10,395,312 B2 · System and method for proactively offering financing offers to customers of E-commerce websites > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,395,312 B2 - Document ID: US10395312B2 - Status: Granted - Kind: B2 - Application number: 14/750,064 - Filed: 2015-06-25 - Published: 2015-10-15 - Granted: 2019-08-27 - Earliest claimed: 2013-08-22 - Assignees: Behalf Ltd. - Applicants: Behalf Ltd. - Inventors: Russell Weiss - Web page: https://patentgrep.com/patent/US10395312B2 ## CPC - G06Q 40/03: Credit; Loans; Processing thereof - G06Q 30/0633: {Managing shopping lists, e.g. compiling or processing purchase lists (shipping orders G06Q10/083; order filling G06Q10/087)} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract A method and system for proactively offering financing offers to customers of e-commerce websites are provided. The method includes collecting data related to a customer associated with a customer node, upon identification that a customer logs on to an e-commerce website; generating at least one customer characteristic of the customer based on the collected data; computing an adaptive credit standing of the customer based on the at least one customer characteristic; determining whether the adaptive credit standing meets a credit standing threshold associated with at least one product of interest; and upon determining that the adaptive credit standing meets the credit standing threshold, providing at least one financing offer to the customer associated with the customer node. ## Claims ### Claim 1 A computer-implemented method for proactively offering financing offers to customers of e-commerce websites, comprising: upon identification, by a server in communication with a customer node over a communication network, that a customer logs on to an e-commerce website, collecting data related to a customer associated with said customer node, said e-commerce website includes at least one product of interest to said customer; during interaction of said customer with said e-commerce website: identifying at least one of facial reaction and voice reaction of said customer during said interaction, by capturing and analyzing at least one input from at least one sensor associated with said customer node and tracking the customer activity during said interaction; generating, by said server, at least one customer characteristic of the customer based on the collected data and said identified at least one of facial reaction and voice reaction; computing, by said server, an adaptive credit standing of the customer based on the at least one customer characteristic; determining, by said server, whether the adaptive credit standing meets a credit standing threshold associated with said at least one product of interest; and upon determining that the adaptive credit standing meets the credit standing threshold, proactively and automatically providing by said server, in real-time, at least one financing offer to the customer associated with the customer node. ### Claim 2 (depends on 1) The method of claim 1, further comprising: determining a target interest of the customer in the at least one product; and computing the adaptive credit standing only when the determined target interest meets a predefined interest threshold. ### Claim 3 (depends on 2) The method of claim 2, wherein determining the target interest meets a predefined interest threshold further comprises: retrieving metadata respective of the least one product; and generating, based on the metadata, the credit standing threshold for financing the purchase. ### Claim 4 (depends on 1) The method of claim 1, wherein the at least one product is any one of: goods, a service, and a product category. ### Claim 5 (depends on 1) The method of claim 1, wherein the at least one financing offer is embedded in a content item displayed on the customer node. ### Claim 6 (depends on 1) The method of claim 1, wherein the at least one customer characteristic is any of: a facial reaction, a voice reaction, mouse scrolling, keystrokes, touch screen gestures, personal information related to the customer, and information demonstrating previous interactions of the customer. ### Claim 7 (depends on 1) The method of claim 1, wherein collecting the data related to the customer further comprises: implicitly collecting data by at least one of: tracking customer activity and an analysis of said at least one input captured by said at least one sensor of the customer node. ### Claim 8 (depends on 1) The method of claim 1, wherein collecting the data related to the customer further comprises: explicitly collecting data by requesting feedbacks from the customer. ### Claim 9 (depends on 1) The method of claim 1, further comprising: determining whether the customer appears in a customers' black list; upon determining that the customer appears in a customers' black list, determining that the credit standing does not meet the credit standing threshold. ### Claim 10 (depends on 1) The method of claim 1, wherein computing the adaptive credit standing further comprises: assigning a virtual value to each of the at least one customer characteristic, wherein the virtual value indicates the importance of the respective customer characteristic to the adaptive credit standing; and computing a weighted sum average of the assigned virtual values to result in the adaptive credit standing. ### Claim 11 (depends on 10) The method of claim 10, wherein the virtual values are adjusted based on a total amount of data collected. ### Claim 12 (depends on 1) A non-transitory computer readable medium having stored thereon instructions for causing one or more processing units to execute the method according to claim 1. ### Claim 13 A system for proactively offering financing offers to customers of e-commerce websites, comprising: a processing unit; and a memory, the memory containing instructions that, when executed by the processing unit, configure the system to: upon identification that a customer logs on to an e-commerce website, collect data related to a customer associated with a customer node, said e-commerce website includes at least one product of interest to said customer; during interaction of said customer with said e-commerce website: identify at least one of facial reaction and voice reaction of said customer during said interaction, by capturing and analyzing at least one input from at least one sensor associated with said customer node and tracking the customer activity during said interaction; generate at least one customer characteristic of the customer based on the collected data and said identified at least one of facial reaction and voice reaction; compute an adaptive credit standing of the customer based on the at least one customer characteristic; determine whether the adaptive credit standing meets a credit standing threshold associated with said at least one product of interest; and upon determining that the adaptive credit standing meets the credit standing threshold, proactively and automatically provide, in real-time, at least one financing offer to the customer associated with the customer node. ### Claim 14 (depends on 13) The system of claim 13, further configured to: determine a target interest of the customer in the at least one product; and compute the adaptive credit standing only when the determined target interest meets a predefined interest threshold. ### Claim 15 (depends on 14) The system of claim 14, wherein determining the target interest meets a predefined interest threshold further comprises: retrieving metadata respective of the least one product; and generating, based on the metadata, the credit standing threshold for financing the purchase. ### Claim 16 (depends on 13) The system of claim 13, wherein the at least one product is any one of: goods, a service, and a product category. ### Claim 17 (depends on 13) The system of claim 13, wherein the at least one financing offer is embedded in a content item displayed on the customer node. ### Claim 18 (depends on 13) The system of claim 13, wherein the at least one customer characteristic is any of: a facial reaction, a voice reaction, mouse scrolling, keystrokes, touch screen gestures, personal information related to the customer, and information demonstrating previous interactions of the customer. ### Claim 19 (depends on 13) The system of claim 13, wherein collecting the data related to the customer further comprises: implicitly collecting data by at least one of: tracking customer activity and an analysis of said at least one input captured by said at least one sensor of the customer node. ### Claim 20 (depends on 13) The system of claim 13, wherein collecting the data related to the customer further comprises: explicitly collecting data by requesting feedbacks from the customer. ### Claim 21 (depends on 13) The system of claim 13, further configured to: determine whether the customer appears in a customers' black list; upon determining that the customer appears in a customers' black list, determine that the credit standing does not meet the credit standing threshold. ### Claim 22 (depends on 13) The system of claim 13, wherein computing the adaptive credit standing further comprises: assigning a virtual value to each of the at least one customer characteristic, wherein the virtual value indicates the importance of the respective customer characteristic to the adaptive credit standing; and computing a weighted sum average of the assigned virtual values to result in the adaptive credit standing. ### Claim 23 (depends on 22) The system of claim 22, wherein the virtual values are adjusted based on a total amount of data collected. ### Claim 24 (depends on 13) The system of claim 13, wherein said memory further containing instructions that when executed by said processing unit, configure said system to terminate operation upon determining that the adaptive credit standing does not meet said credit standing threshold. ### Claim 25 (depends on 1) The method of claim 1 further comprising: upon said determining that the adaptive credit standing meets the credit standing threshold, sending a notification to said customer node informing said customer that an additional credit is available for said customer. ### Claim 26 (depends on 1) The method of claim 1 further comprising: upon determining that the adaptive credit standing does not meet said credit standing threshold, sending a notification to said customer node. ### Claim 27 (depends on 1) The method of claim 1, wherein said at least one sensor is at least one of a camera and a voice recorder. ### Claim 28 (depends on 1) The method of claim 1, wherein said at least one input represents an interaction of said customer with a user device associated with said customer node. ### Claim 29 (depends on 13) The system of claim 13, wherein said at least one sensor is at least one of a camera and a voice recorder.