# US 10,771,413 B1 · System and method for customizing electronic messages > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 10,771,413 B1 - Document ID: US10771413B1 - Status: Granted - Kind: B1 - Application number: 14/851,043 - Filed: 2015-09-11 - Granted: 2020-09-08 - Earliest claimed: 2015-09-11 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Matthew J. Heffron - Web page: https://patentgrep.com/patent/US10771413B1 ## CPC - H04L 51/063: Content adaptation, e.g. replacement of unsuitable content - H04L 51/214: using selective forwarding - G06F 16/9535: Search customisation based on user profiles and personalisation - G06F 16/955: using information identifiers, e.g. uniform resource locators [URL] - H04L 51/226: Delivery according to priorities - H04L 51/56: Unified messaging, e.g. interactions between e-mail, instant messaging or converged IP messaging [CPM] - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract A method may include retrieving document details associated with a user from at least one database stored on a storage device, the document details including a user identifier that identifies the user, a due date, and an amount; querying, using at least one processor, the at least one database using the user identifier to determine at least one value for the user, the at least one value including a historic value; matching the historic value, due date, and amount to an electronic message property set from a plurality of message property sets; applying the electronic message property set to at least one electronic message; and transmitting the at least one electronic message in accordance with the applied property set. ## Claims ### Claim 1 A method comprising: retrieving document details associated with a user from at least one database stored on a storage device, the document details including a user identifier that identifies the user, a due date, and an amount due; querying, using at least one processor, the at least one database using the user identifier to determine a plurality of values, the plurality of values including a trending value, and a historical value separate from the amount due; matching the historical value, due date, trending value, and amount due to an electronic message property set from a plurality of message property sets, the electronic message property set including properties of: a message content; a number of repetitions for transmission of the electronic message; and an interval between repetitions of transmission; applying the electronic message property set to at least one electronic message; and transmitting the at least one electronic message in accordance with the applied property set. ### Claim 2 (depends on 1) The method of claim 1, wherein the electronic message property set includes a type of the at least one electronic message. ### Claim 3 (depends on 1) The method of claim 1, wherein matching the historical value, due date, and amount due to an electronic message property set from a plurality of message property sets comprises: calculating an amount of days past the due date; and matching the amount of days past the due date to a due date range trigger of the electronic message property set. ### Claim 4 (depends on 1) The method of claim 1, wherein the historical value is based on a total amount spent by the user over a time period with respect to an entity. ### Claim 5 (depends on 4) The method of claim 4, wherein matching the historical value, due date, and amount due to an electronic message property set from a plurality of message property sets comprises: matching the historical value to a historical value trigger of the electronic message property set. ### Claim 6 (depends on 1) The method of claim 1, wherein the trending value is based on comparing a spending value of the user at a first portion of a time period to the spending value of the user at a second portion of the time period. ### Claim 7 (depends on 1) The method of claim 1, further comprising: matching the trending value to a trending value trigger of the electronic message property set. ### Claim 8 A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to perform operations of: retrieving document details associated with a user from at least one database stored on a storage device, the document details including a user identifier that identifies the user, a due date, and an amount due; querying, using at least one processor, the at least one database using the user identifier to determine a plurality of values including a trending value, and a historical value separate from the amount due matching the historical value, due date, trending value, and amount to an electronic message property set from a plurality of message property sets, the electronic message property set including properties of: a message content; a number of repetitions for transmission of the electronic message; and an interval between repetitions of transmission; applying the electronic message property set to at least one electronic message; and transmitting the at least one electronic message in accordance with the applied property set. ### Claim 9 (depends on 8) The computer-readable storage medium of claim 8, wherein the electronic message property set includes a type of the at least one electronic message. ### Claim 10 (depends on 8) The computer-readable storage medium of claim 8, wherein the operation of matching the historical value, due date, and amount due to an electronic message property set from a plurality of message property sets comprises operations of: calculating an amount of days past the due date; and matching the amount of days past the due date to a due date range trigger of the electronic message property set. ### Claim 11 (depends on 8) The computer-readable storage medium of claim 8, wherein the historical value is based on a total amount spent by the user over a time period with respect to an entity. ### Claim 12 (depends on 11) The computer-readable storage medium of claim 11, wherein the operation of matching the historical value, due date, and amount due to an electronic message property set from a plurality of message property sets comprises: matching the historical value to a historical value trigger of the electronic message property set. ### Claim 13 (depends on 8) The computer-readable storage medium of claim 8, wherein the trending value is based on comparing a spending value of the user at a first portion of a time period to the spending value of the user at a second portion of the time period. ### Claim 14 (depends on 8) The computer-readable storage medium of claim 8, wherein the operations further include: matching the trending value to a trending value trigger of the electronic message property set. ### Claim 15 A computing apparatus, the computing apparatus comprising: a processor; and a memory storing instructions that, when executed by the processor, configure the processor to: retrieve document details associated with a user from at least one database stored on a storage device, the document details including a user identifier that identifies the user, a due date, and an amount due; query the at least one database using the user identifier to determine a plurality of values, the plurality of values including a trending value, and a historical value separate from the amount due; match the historical value, due date, trending value, and amount due to an electronic message property set from a plurality of message property sets, the electronic message property set including properties of: a message content; a number of repetitions for transmission of the electronic message; and an interval between repetitions of transmission; apply the electronic message property set to at least one electronic message; and transmit the at least one electronic message in accordance with the applied property set. ### Claim 16 (depends on 15) The computing apparatus of claim 15, wherein the electronic message property set includes a type of the at least one electronic message. ### Claim 17 (depends on 15) The computing apparatus of claim 15, wherein the instructions to configure the processor to match the historical value, due date, and amount due to an electronic message property set from a plurality of message property sets comprises instructions to configure the processor to: calculate an amount of days past the due date; and match the amount of days past the due date to a due date range trigger of the electronic message property set.