# US 12,001,970 B2 · Machine learning based automated pairing of individual customers and small businesses

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- Number: US 12,001,970 B2
- Document ID: US12001970B2
- Status: Granted
- Kind: B2
- Application number: 18/373,560
- Filed: 2023-09-27
- Published: 2024-01-18
- Granted: 2024-06-04
- Earliest claimed: 2020-07-29
- Assignees: Bank of America Corporation
- Applicants: Bank of America Corporation
- Inventors: Siten Sanghvi; Morgan S. Allen; Matthew E. Carroll; Tamara S. Kingston; Stephen T. Shannon
- Web page: https://patentgrep.com/patent/US12001970B2

## CPC

- G06N 5/04: Inference or reasoning models
- G06N 3/006: based on simulated virtual individual or collective life forms, e.g. social simulations or particle swarm optimisation [PSO]
- G06N 20/00: Machine learning
- G06Q 30/0201: Market modelling; Market analysis; Collecting market data
- G06Q 30/0203: Market surveys; Market polls
- G06Q 30/0631: {Recommending goods or services}
- G06Q 30/08: Auctions
- G06Q 30/016: After-sales
- G06Q 40/03: Credit; Loans; Processing thereof
- G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
- 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

Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.

## Claims

### Claim 1

A computing platform, comprising:
at least one processor; and
memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
initiate, via an intelligent chat bot, an interactive communication session with a user;
receive, from the user and via the intelligent chat bot, user response data;
process, using natural language processing, the user response data to determine one or more user-defined preference rules for the user;
determine, based on historical user activity of the user, a pattern of the user activity;
identify, based on the pattern of the user activity, one or more anticipated purchase activities of the user;
determine, based on the one or more anticipated purchase activities of the user, a sales offering by a vendor including a discount associated with the one or more anticipated purchase activities of the user;
match the one or more anticipated purchase activities of the user with the sales offering by the vendor, wherein matching the one or more anticipated purchase activities of the user with the sales offering by the vendor further includes executing, by a machine learning model, an optimization algorithm configured to identify optimized resources;
retrieve, for a purchase activity of the one or more anticipated purchase activities, the one or more user-defined preference rules associated with the purchase activity, wherein the one or more user-defined preference rules include a distance a user is willing to travel for a product included in the one or more anticipated purchase activities of the user;
determine whether the one or more user-defined preference rules apply to one or more attributes of the purchase activity;
determine that a user-defined time period has expired;
trigger, based on a determination that the one or more user-defined preference rules apply to the one or more attributes of the purchase activity and based on the determining that the user-defined time period has expired, an action associated with the purchase activity;
determine whether the user is able to connect to the internet;
responsive to determining that the user is able to connect to the internet, provide communications to the user via a first mode of communication; and
responsive to determining that the user is not able to connect to the internet, provide communications to the user via a second, different mode of communication,
wherein the triggering, based on the determination that the one or more user-defined preference rules apply to the one or more attributes of purchase activity and based on the determining that the user-defined time period has expired, the action associated with the purchase activity further includes at least providing communications to the user via one of: the first mode of communication and the second mode of communication.

### Claim 2 (depends on 1)

The computing platform of claim 1, wherein the action associated with the purchase activity comprises providing, via the intelligent chat bot, a recommendation to perform the purchase activity.

### Claim 3 (depends on 1)

The computing platform of claim 1, wherein the action associated with the purchase activity comprises making an automatic purchase.

### Claim 4 (depends on 1)

The computing platform of claim 1, wherein the instructions comprise additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
retrieve, from one or more external sources of data, one or more events that may impact the purchase activity; and
identify an event of the one or more events that may impact the purchase activity,
wherein the action associated with the purchase activity comprises a recommendation that minimizes the impact of the event for the user.

### Claim 5 (depends on 4)

The computing platform of claim 4, wherein the one or more external sources of data are artificial intelligence-based systems.

### Claim 6 (depends on 4)

The computing platform of claim 4, wherein the event comprises one or more of a weather-related event, an employment related event, and a geopolitical event.

### Claim 7 (depends on 1)

The computing platform of claim 1, wherein the instructions comprise additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
train the intelligent chat bot based on a machine learning model.

### Claim 8 (depends on 1)

The computing platform of claim 1, wherein the one or more user-defined preference rules comprise one or more of a secondary funding source, automatic payment options, a designated alternate decision making authority, and preferred communication channels.

### Claim 9 (depends on 1)

The computing platform of claim 1, wherein the instructions comprise additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
train a machine learning model to determine the pattern of the user activity.

### Claim 10 (depends on 1)

The computing platform of claim 1, wherein the instructions comprise additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to:
train a machine learning model to identify the one or more anticipated purchase activities of the user.

### Claim 11 (depends on 1)

The computing platform of claim 1, wherein the pattern of the user activity includes a pattern of the user purchasing a certain item at particular time intervals.

### Claim 12 (depends on 1)

The computing platform of claim 1, wherein the discount associated with the one or more anticipated purchase activities of the user is determined based on geographic proximity of the vendor to the user.

### Claim 13

A method, comprising:
at a computing platform comprising at least one processor, at least one physical sensor communicatively coupled to the at least one processor, and memory:
initiate, via an intelligent chat bot, an interactive communication session with a user;
receive, from the user and via the intelligent chat bot, user response data;
process, using natural language processing, the user response data to determine one or more user-defined preference rules for the user;
determining, based on historical user activity of a user, a pattern of the user activity;
identifying, based on the pattern of the user activity, one or more anticipated purchase activities of the user;
determining, based on the one or more anticipated purchase activities of the user, a sales offering by a vendor including a discount associated with the one or more anticipated purchase activities of the user;
matching the one or more anticipated purchase activities of the user with the sales offering by the vendor, wherein matching the one or more anticipated purchase activities of the user with the sales offering by the vendor further includes executing, by a machine learning model, an optimization algorithm configured to identify optimized resources;
retrieving, for a purchase activity of the one or more anticipated purchase activities of the user, the one or more user-defined preference rules associated with the purchase activity, wherein the one or more user-defined preference rules include a distance a user is willing to travel for a product included in the one or more anticipated purchase activities of the user;
determining whether the one or more user-defined preference rules apply to one or more attributes of the purchase activity;
determining that a user-defined time period has expired;
triggering, based on a determination that the one or more user-defined preference rules apply to one or more attributes of the purchase activity and based on the determining that the user-defined time period has expired, an action associated with the purchase activity;
determining whether the user is able to connect to the internet;
responsive to determining that the user is able to connect to the internet, providing communications to the user via a first mode of communication; and
responsive to determining that the user is not able to connect to the internet, providing communications to the user via a second, different mode of communication,
wherein the triggering, based on the determination that the one or more user-defined preference rules apply to the one or more attributes of purchase activity and based on the determining that the user-defined time period has expired, the action associated with the purchase activity further includes at least providing communications to the user via one of: the first mode of communication and the second mode of communication.

### Claim 14 (depends on 13)

The method of claim 13, wherein the action associated with the purchase activity comprises providing, via the intelligent chat bot, a recommendation to perform the purchase activity.

### Claim 15 (depends on 13)

The method of claim 13, wherein the action associated with the purchase activity comprises making an automatic purchase.

### Claim 16 (depends on 13)

The method of claim 13, further comprising:
retrieving, from one or more external sources of data, one or more events that may impact the purchase activity; and
identifying an event of the one or more events that may impact the purchase activity,
wherein the action associated with the purchase activity comprises a recommendation that minimizes the impact of the event for the user.

### Claim 17 (depends on 16)

The method of claim 16, wherein the event comprises one or more of a weather related event, an employment related event, and a geopolitical event.

### Claim 18 (depends on 16)

The method of claim 16, wherein the one or more external sources of data are artificial intelligence based systems.

### Claim 19

One or more non-transitory computer-readable media storing instructions that, when executed by a computing platform comprising at least one processor, at least one physical sensor communicatively coupled to the at least one processor, and memory, cause the computing platform to:
initiate, via an intelligent chat bot, an interactive communication session with a user;
receive, from the user and via the intelligent chat bot, user response data;
process, using natural language processing, the user response data to determine one or more user-defined preference rules for the user;
determine, based on historical user activity of the user, a pattern of the user activity;
identify, based on the pattern of the user activity, one or more anticipated purchase activities of the user;
determine, based on the one or more anticipated purchase activities of the user, a sales offering by a vendor including a discount associated with the one or more anticipated purchase activities of the user;
match the one or more anticipated purchase activities of the user with the sales offering by the vendor, wherein matching the one or more anticipated purchase activities of the user with the sales offering by the vendor further includes executing, by a machine learning model, an optimization algorithm configured to identify optimized resources;
retrieve, for a purchase activity of the one or more anticipated purchase activities, the one or more user-defined preference rules associated with the purchase activity, wherein the one or more user-defined preference rules include a distance a user is willing to travel for a product included in the one or more anticipated purchase activities of the user;
determine whether the one or more user-defined preference rules apply to one or more attributes of the purchase activity;
initiate, via an intelligent virtual assistant and based on a determination that the one or more user-defined preference rules apply to the one or more attributes of the purchase activity, an interactive session with the user;
determine that a user-defined time period has expired;
trigger, based on the interactive session and after expiration of a predetermined time period, an action associated with the purchase activity;
determine whether the user is able to connect to the internet;
responsive to determining that the user is able to connect to the internet, provide communications to the user via a first mode of communication; and
responsive to determining that the user is not able to connect to the internet, provide communications to the user via a second, different mode of communication,
wherein the triggering, based on the determination that the one or more user-defined preference rules apply to the one or more attributes of purchase activity and based on the determining that the user-defined time period has expired, the action associated with the purchase activity further includes at least providing communications to the user via one of: the first mode of communication and the second mode of communication.

### Claim 20 (depends on 19)

The one or more non-transitory computer-readable media of claim 19, wherein the action associated with the purchase activity comprises providing, via the intelligent chat bot, a recommendation to perform the purchase activity.