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US 11,900,421 B2Granted
Using cognitive computing to provide targeted offers for preferred products to a user via a mobile device
AssigneeState Farm Mutual Automobile Insurance Company
InventorsElizabeth A. Flowers, Puneit Dua, Alan Zwilling, Adam Mattingly, Melissa Attig, Reena Batra
Life of this patent
Estimating the term…
Abstract
Techniques are disclosed utilizing cognitive computing to improve commercial communications from vendors to users. A user's financial account(s) and location may be monitored to determine when a user is within a threshold distance of a vendor. If the user is within the threshold distance the methods and systems disclosed may determine which targeted commercial communications to transmit to the user based upon a shopping profile for the user. The shopping profile may include a dataset indicative of the shopping habits of the user.
Claims20
A computer-implemented method, comprising:
- training, by one or more processors, and based on consumer profile information indicating consumer characteristics associated with a plurality of consumers, a machine learning system by determining patterns of the consumer characteristics that correspond to consumer shopping habits indicated in the consumer profile information;
- receiving, by the one or more processors, and from a client device separate from the one or more processors, user registration data associated with a user;
- identifying, by the one or more processors, and based on the user registration data, instances of the consumer characteristics exhibited by the user;
- determining, by the one or more processors, and using the trained machine learning systems, a user shopping habit of the user based on the patterns determined during training of the machine learning system and the instances of the consumer characteristics exhibited by the user;
- identifying, by the one or more processors, and based on the shopping habit, a preferred merchant of the user and a preferred product of the user;
- receiving, by the one or more processors, and from the client device, location data indicating at least one of an Internet Protocol (IP) address or a website address associated with a website the client device is navigating;
- determining, by the one or more processors, that the location data corresponds with the preferred merchant by determining that the at least one of the IP address or the web site address is associated with a merchant web site of the preferred merchant;
- and
- in response to determining that the location data corresponds with the preferred merchant:
- identifying, by the one or more processors, a set of communications associated with products currently offered by the preferred merchant at a discount;
- selecting, by the one or more processors, and from among the set of communications, a particular communication that corresponds to the preferred product;
- and
- transmitting, by the one or more processors the particular communication to the client device.
10 more elements
One or more computing systems, comprising:
- one or more processors;
- memory storing computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
- training, based on consumer profile information indicating consumer characteristics associated with a plurality of consumers, a machine learning system by determining patterns of the consumer characteristics that correspond to consumer shopping habits indicated in the consumer profile information;
- receiving, from a client device separate from the one or more computing systems, user input indicating:
- demographic information of a user;
- and
- login credentials associated with one or more financial accounts of the user;
- receiving, based on providing the login credentials to at least one financial institution managing the one or more financial accounts, financial transaction information associated with the user;
- identifying instances of the consumer characteristics exhibited by the user, based on at least one of the demographic information or the financial transaction information;
- determining, using the trained machine learning system, a user shopping habit of the user based on the patterns determined during training of the machine learning system and the instances of the consumer characteristics exhibited by the user;
- identifying, based on the shopping habit, a preferred merchant of the user and a preferred product of the user;
- receiving, from the client device, location data indicating at least one of an Internet Protocol (IP) address or a website address associated with a website the client device is navigating;
- determining that the location data corresponds with the preferred merchant by determining that the at least one of the IP address or the website address is associated with a merchant web site of the preferred merchant;
- and
- in response to determining that the location data corresponds with the preferred merchant;
- identifying a set of communications associated with products currently offered by the preferred merchant at a discount
- selecting, from among the set of communications, a particular communication that corresponds to the preferred product;
- and
- transmitting, by the one or more processors the particular communication to the client device.
16 more elements
One or more non-transitory computer-readable media storing computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:
- training, based on consumer profile information indicating consumer characteristics associated with a plurality of consumers, a machine learning system by determining patterns of the consumer characteristics that correspond to consumer shopping habits indicated in the consumer profile information;
- identifying instances of the consumer characteristics exhibited by a user, based on at least one of user demographic information of the user or financial account information associated with the user;
- determining, using the trained machine learning system, a user shopping habit of the user based on the patterns determined during training of the machine learning system and the instances of the consumer characteristics exhibited by the user;
- identifying, based on the shopping habit, a preferred merchant of the user and a preferred product of the user;
- receiving, from a client device that is associated with the user and is separate from the one or more processors, location data indicating at least one of an Internet Protocol (IP) address or a website address associated with a website the client device is navigating;
- determining that the location data corresponds with the preferred merchant by determining that the at least one of the IP address or the website address is associated with a merchant web site of the preferred merchant;
- and
- in response to determining that the location data corresponds with the preferred merchant,
- identifying a set of communications associated with products currently offered by the preferred merchant at a discount
- selecting, from among the set of communications, a particular communication that corresponds to the preferred product and
- transmitting the particular communication to the client device.
8 more elements
Dependencies are inferred from the claim text.