# US 12,002,057 B2 · Predictive contextual transaction scoring

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 12,002,057 B2
- Document ID: US12002057B2
- Status: Granted
- Kind: B2
- Application number: 18/141,348
- Filed: 2023-04-28
- Published: 2023-08-24
- Granted: 2024-06-04
- Earliest claimed: 2021-03-12
- Assignees: Metropolitan Life Isurance Co.
- Applicants: Metropolitan Life Isurance Co.
- Inventors: John Bungert; Terrance Luciani; Andrew O'Mara; Jordan Ashleigh McAlister
- Web page: https://patentgrep.com/patent/US12002057B2

## CPC

- G06Q 20/4097: {using mutual authentication between devices and transaction partners}
- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 20/405: {Establishing or using transaction specific rules}
- 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

In one embodiment, a predictive contextual transaction scoring system receives transaction review data associated with person-to-person transactions from a marketplace, the transaction review data including feedback information relating to the person-to-person transaction. The system identifies contextual characteristics of the person-to-person transactions by analyzing the feedback information related to the person-to-person transactions. The system pairs a first party requesting a service to a second party providing the requested service by matching a contextual characteristic of the first party to a contextual characteristic of the second party. The system also predicts a transaction score for a new person-to-person transaction involving the first party and the second party, and provides the predicted transaction score to the marketplace to facilitate pairing of the first party requesting the service.

## Claims

### Claim 1

A predictive contextual transaction scoring system, comprising:
one or more network interfaces to communicate over a network;
a processor coupled to the network interfaces and adapted to execute one or more processes; and
a memory having instructions executable by the processor encoded thereon, the instructions, when executed by the processor, are operable to:
receive contextual feedback data for historical transactions associated with a marketplace, the contextual feedback data including contextual transaction details associated with respective completed transactions;
analyze patterns in the contextual feedback data to identify unique preferences associated with a requesting party;
analyze the contextual feedback data to identify attributes associated with each respective service provider of first set of service providers;
receive a service request from the requesting party for a new transaction in the marketplace;
predict a feedback score for completing the service request by each respective service provider of a second set of service providers based on a match between the attributes of each respective service provider and the unique preferences of the requesting party;
determine the feedback score for at least one service provider of the second set of service providers exceeds a baseline transaction score for the marketplace; and
provide a recommendation to the requesting party to facilitate the new transaction in the marketplace between the requesting party and the at least one service provider.

### Claim 2 (depends on 1)

The system of claim 1, wherein the contextual transaction details associated with completed individual transactions include a time of day, a duration of service, a location of service, and a cost of service.

### Claim 3 (depends on 1)

The system of claim 1, wherein the instructions to determine the feedback score for the at least one service provider exceeds the baseline transaction score are further operable to determine the feedback score for the at least one service provider exceeds a threshold transaction score.

### Claim 4 (depends on 1)

The system of claim 1, wherein the instructions are further operable to:
assign one or more potential service providers to the second set of service providers based on a respective availability to perform the service request.

### Claim 5 (depends on 1)

The system of claim 1, wherein the service request is associated with a transaction type, wherein the unique preferences associated with the requesting party comprise relevant unique preferences for the transaction type, wherein the instructions to analyze patterns in the contextual feedback are further operable to:
determine a propensity for each relevant preference to affect the outcome of the service request; and
prioritize the relevant unique preferences based on the propensity.

### Claim 6

A computer implemented method for predicting a contextual transaction score, the method comprising:
receiving contextual feedback data for historical transactions associated with a marketplace, the contextual feedback data including contextual transaction details associated with respective completed transactions;
analyzing patterns in the contextual feedback data to identify unique preferences associated with a requesting party;
analyzing the contextual feedback data to identify attributes associated with each respective service provider of first set of service providers;
receiving a service request from the requesting party for a new transaction in the marketplace;
predicting a feedback score for completing the service request by each respective service provider of a second set of service providers based on a match between the attributes of each respective service provider and the unique preferences of the requesting party;
determining the feedback score for at least one service provider of the second set of service providers exceeds a baseline transaction score for the marketplace; and
providing a recommendation to the requesting party to facilitate the new transaction in the marketplace between the requesting party and the at least one service provider.

### Claim 7 (depends on 6)

The computer implemented method of claim 6, wherein the contextual transaction details associated with completed individual transactions include a time of day, a duration of service, a location of service, and a cost of service.

### Claim 8 (depends on 6)

The computer implemented method of claim 6, wherein determining the feedback score for the at least one service provider exceeds the baseline transaction score further comprises determining the feedback score for the at least one service provider exceeds a threshold transaction score.

### Claim 9 (depends on 6)

The computer implemented method of claim 6, further comprising:
assigning one or more potential service providers to the second set of service providers based on a respective availability to perform the service request.

### Claim 10 (depends on 6)

The computer implemented method of claim 6, wherein the service request is associated with a transaction type, wherein the unique preferences associated with the requesting party comprise relevant unique preferences for the transaction type, wherein analyzing patterns in the contextual feedback further comprise:
determining a propensity for each relevant preference to affect the outcome of the service request; and
prioritizing the relevant unique preferences based on the propensity.

### Claim 11

A tangible, non-transitory, computer-readable media having instructions encoded thereon, the instructions, when executed by a process, is operable to:
receive contextual feedback data for historical transactions associated with a marketplace, the contextual feedback data including contextual transaction details associated with respective completed transactions;
analyze patterns in the contextual feedback data to identify unique preferences associated with a requesting party;
analyze the contextual feedback data to identify attributes associated with each respective service provider of first set of service providers;
receive a service request from the requesting party for a new transaction in the marketplace;
predict a feedback score for completing the service request by each respective service provider of a second set of service providers based on a match between the attributes of each respective service provider and the unique preferences of the requesting party;
determine the feedback score for at least one service provider of the second set of service providers exceeds a baseline transaction score for the marketplace; and
provide a recommendation to the requesting party to facilitate the new transaction in the marketplace between the requesting party and the at least one service provider.

### Claim 12 (depends on 11)

The tangible, non-transitory, computer-readable media of claim 11, wherein the contextual transaction details associated with completed individual transactions include a time of day, a duration of service, a location of service, and a cost of service.

### Claim 13 (depends on 11)

The tangible, non-transitory, computer-readable media of claim 11, wherein the instructions to determine the feedback score for the at least one service provider exceeds the baseline transaction score are further operable to determine the feedback score for the at least one service provider exceeds a threshold transaction score.

### Claim 14 (depends on 11)

The tangible, non-transitory, computer-readable media of claim 11, wherein the instructions are further operable to:
assign one or more potential service providers to the second set of service providers based on a respective availability to perform the service request.