# US 12,192,160 B2 · Computer-based systems programmed for automatic adaptive content-based processing of electronic messages and methods of use thereof > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,192,160 B2 - Document ID: US12192160B2 - Status: Granted - Kind: B2 - Application number: 17/580,443 - Filed: 2022-01-20 - Published: 2023-07-20 - Granted: 2025-01-07 - Earliest claimed: 2022-01-20 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Lukiih Cuan; Latika Gulati; Cruz Vargas; Lea Cody; Michael Mossoba - Web page: https://patentgrep.com/patent/US12192160B2 ## CPC - H04L 51/212: using filtering or selective blocking - G06F 40/30: Semantic analysis - G06F 40/40: Processing or translation of natural language (natural language analysis G06F40/20; semantic analysis G06F40/30) - H04L 67/306: User profiles - G06F 40/216: using statistical methods - G06F 40/279: Recognition of textual entities - 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 Systems and methods of the present disclosure enable improved content filtering by determining a profile state of the user profile based at least in part on at least one attribute of the user profile and determining a user profile criterion associated with the user profile based on the profile state including a threshold value to trigger a filter parameter associated with the profile objective, where the filter parameter comprises a content type to be processed so as to facilitate achieving the profile objective. The filter parameter is determined based on the profile state surpassing the user profile criterion. A content recognition model is used to identify a message content of each message. An electronic message that matches the content type is identified and filtered at the electronic messaging client to prevent the content from being presented. ## Claims ### Claim 1 A method comprising: accessing, by at least one processor instructed by an electronic messaging client plug-in that augments functionality of a third-party electronic messaging client, a user profile associated with a user of the third-party electronic messaging client; wherein the third-party electronic messaging client is associated with a third-party hosted electronic messaging account associated with the user; wherein the third-party hosted electronic messaging account is different from the user profile; determining, by the at least one processor, a profile state of the user profile based at least in part on at least one attribute of the user profile; wherein the profile state comprises: at least one metric associated with the profile and at least one profile objective associated with the at least one metric; determining, by the at least one processor, at least one threshold value associated with the at least one metric associated with the user profile based at least in part on the at least one metric and the at least one profile objective; wherein the at least one threshold value is configured to trigger at least one filter parameter associated with the at least one profile objective in response to the at least one metric meeting, crossing or both the at least one threshold value; wherein the at least one filter parameter comprises at least one content type associated to be processed so as to facilitate achieving the at least one profile objective; utilizing, by the at least one processor, the electronic messaging client plug-in to monitor each message in a set of electronic messages received by the electronic messaging client; utilizing, by the at least one processor, at least one content recognition model to identify a message content type of each message in the set of electronic messages received by the electronic messaging client based at least in part on content in each message in the set of electronic messages; determining, by the at least one processor, at least one electronic message of the set of electronic messages received by the electronic messaging client that matches the at least one content type of the at least one filter parameter based at least in part on the message content type of each message in a set of electronic messages; and triggering, by the at least one processor, the electronic messaging client plug-in to filter the at least one electronic message from the electronic messages at the electronic messaging client to prevent the at least one content from being presented by the electronic messaging client so as to facilitate achieving the at least one profile objective. ### Claim 2 (depends on 1) The method of claim 1, further comprising generating, by the at least one processor, at least one content overlay to obscure the at least one content of the at least one electronic message to filter the at least one electronic message. ### Claim 3 (depends on 1) The method of claim 1, further comprising: identifying, by the at least one processor, a plurality of selectable content associated with the at least one content within the at least one electronic message based on a predefined selectable content format inserted by a sender; and determining, by the at least one processor, at least one selected content of the plurality of selectable content for presentation by the electronic messaging client based at least in part on the at least one filter parameter to filter the at least one content. ### Claim 4 (depends on 1) The method of claim 1, further comprising blocking, by the at least one processor, the at least one electronic message from presentation by the electronic messaging client to filter the at least one electronic message. ### Claim 5 (depends on 1) The method of claim 1, wherein the at least one content recognition model comprises at least one natural language processing model to recognize the at least one content based at least in part on text within the at least one electronic message. ### Claim 6 (depends on 1) The method of claim 1, further comprising: receiving, by the at least one processor, a user profile activity history comprising at least one electronic activity performed with the user profile; utilizing, by the at least one processor, at least one propensity model trained to predict a propensity of the user to engage with the at least one electronic message based at least in part on the at least one content type and the user profile activity history; and filtering, by the at least one processor, the at least one electronic message from the electronic messages at the electronic messaging client to prevent the at least one content from being presented by the electronic messaging client based at least in part on the propensity of the user to engage with the at least one electronic message exceeding a threshold propensity value. ### Claim 7 (depends on 6) The method of claim 6, wherein the at least one electronic activity comprises payment transactions. ### Claim 8 (depends on 1) The method of claim 1, wherein the profile state comprises a financial account balance; and wherein the at least one filter parameter comprises at least one restriction of the at least one content type of offers for products, services or both. ### Claim 9 (depends on 8) The method of claim 8, further comprising: receiving, by the at least one processor, at least one savings goal selected by user selection; identifying, by the at least one processor, the at least one threshold value based at least in part on the at least one savings goal; and determining, by the at least one processor, the at least one filter parameter based at least in part on the at least one threshold value. ### Claim 10 (depends on 8) The method of claim 8, wherein the at least one threshold value comprises at least one of: a savings goal, a balance level, a credit limit, a transaction volume, a transaction frequency, or a budget. ### Claim 11 A system comprising: at least one processor configured to execute software instructions to perform steps to: access a user profile associated with a user of a third-party electronic messaging client; wherein the third-party electronic messaging client is augmented with an electronic messaging client plug-in that augments functionality of a third-party electronic messaging client wherein the third-party electronic messaging client is associated with a third-party hosted electronic messaging account associated with the user; wherein the third-party hosted electronic messaging account is different from the user profile; determine a profile state of the user profile based at least in part on at least one attribute of the user profile; determine at least one threshold value associated with the user profile; wherein the at least one threshold value is configured to trigger at least one filter parameter in response to the profile state meeting, crossing or both the at least one threshold value; wherein the at least one filter parameter comprises at least one content type associated with the at least one threshold value; utilize the electronic messaging client plug-in to monitor each message in a set of electronic messages received by the electronic messaging client; utilize at least one content recognition model to identify at least one electronic message of a set of electronic messages received by the electronic messaging client that matches the at least one content type of the at least one filter parameter based at least in part on message contents of the at least one electronic message; and trigger the electronic messaging client plug-in to filter the at least one electronic message from the electronic messages at the electronic messaging client to prevent the at least one content from being presented by the electronic messaging client. ### Claim 12 (depends on 11) The system of claim 11, wherein the at least one processor is further configured to execute further software instructions to perform steps to generate at least one content overlay to obscure the at least one content of the at least one electronic message to filter the at least one electronic message. ### Claim 13 (depends on 11) The system of claim 11, wherein the at least one processor is further configured to execute further software instructions to perform steps to: identify a plurality of selectable content associated with the at least one content within the at least one electronic message based on a predefined selectable content format inserted by a sender; and determine at least one selected content of the plurality of selectable content for presentation by the electronic messaging client based at least in part on the at least one filter parameter to filter the at least one content. ### Claim 14 (depends on 11) The system of claim 11, wherein the at least one processor is further configured to execute further software instructions to perform steps to block the at least one electronic message from presentation by the electronic messaging client to filter the at least one electronic message. ### Claim 15 (depends on 11) The system of claim 11, wherein the at least one content recognition model comprises at least one natural language processing model to recognize the at least one content based at least in part on text within the at least one electronic message. ### Claim 16 (depends on 11) The system of claim 11, wherein the at least one processor is further configured to execute further software instructions to perform steps to: receive a user profile activity history comprising at least one electronic activity performed with the user profile; utilize at least one propensity model trained to predict a propensity of the user to engage with the at least one electronic message based at least in part on the at least one content type and the user profile activity history; and filter the at least one electronic message from the electronic messages at the electronic messaging client to prevent the at least one content from being presented by the electronic messaging client based at least in part on the propensity of the user to engage with the at least one electronic message exceeding a threshold propensity value. ### Claim 17 (depends on 16) The system of claim 16, wherein the at least one electronic activity comprises payment transactions. ### Claim 18 (depends on 11) The system of claim 11, wherein the profile state comprises a financial account balance; and wherein the at least one filter parameter comprises at least one restriction of the at least one content type of offers for products, services or both. ### Claim 19 (depends on 18) The system of claim 18, wherein the at least one processor is further configured to execute further software instructions to perform steps to: receive at least one savings goal selected by user selection; identify the at least one threshold value based at least in part on the at least one savings goal; and determine the at least one filter parameter based at least in part on the at least one threshold value. ### Claim 20 (depends on 18) The system of claim 18, wherein the at least one threshold value comprises at least one of: a savings goal, a balance level, a credit limit, a transaction volume, a transaction frequency, or a budget.