US 2020/0005192 A1Published application

Machine learning engine for identification of related vertical groupings

AssigneePaypal, Inc.

InventorsDinesh Kumar, Geethamanjusha Melanathurbhaskar

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Abstract

A machine learning engine for identification of related vertical groupings may be trained using artificial intelligence and machine techniques and used according to techniques discussed herein. A consumer account may be used to process transactions electronically with merchants. The consumer account may therefore be linked to a transaction history, which may be processed to identify the consumer's vertical transaction list for verticals of previous transactions. This may be aggregated for a merchant used by the consumer, and may be weighted before sending back to the consumer. Multiple iterations of aggregating and weighing the merchant and consumer lists may be applied to determine highest ranked verticals for consumers and merchants based on multiple degrees of separation between certain merchants and consumers. Using the weighted lists, verticals may be identified for consumers that the consumer may not have previously transacted within, which may be used to provide a recommendation.

Claims20

Dependent claims

A system comprising:

a non-transitory memory;
and
one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
receiving, from a first device, a first vertical list of a first set of transaction verticals for first transactions processed with a merchant by a first account associated with the first device, wherein the first vertical list comprises the first set of transaction verticals and a first plurality of numbers of the first transactions processed by the first account in each of the first set of transaction verticals;
receiving, from a second device, a second vertical list of a second set of transaction verticals for second transactions processed with the merchant by a second account associated with the second device, wherein the second vertical list comprises the second set of transaction verticals and a second plurality of numbers of the second transactions processed by the second account in each of the second set of transaction verticals;
determining, using a machine learning engine, a first merchant vertical list for the merchant based on the first vertical list and the second vertical list, wherein the first merchant vertical list comprises merchant transaction verticals for the first set of transaction verticals and the second set of transaction verticals, and wherein the first merchant vertical list further comprises a third plurality of numbers of the first transactions and the second transactions in each of the merchant transaction verticals;
and
transmitting the first merchant vertical list to the first account and the second account.

5 more elements

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

compiling, by a service provider, a merchant vertical transaction list for a first merchant, wherein the merchant vertical transaction list comprises a first vertical having a first number of transactions processed by the first merchant and a second vertical having a second number of transactions processed by the first merchant;
generating, by the service provider, a weighted merchant vertical transaction list based on a weight applied to the first number and the second number;
sending, by the service provider, the weighted merchant vertical transaction list to a device of a user;
determining, by the service provider using a machine learning engine, a recommendation rule for the user based on the weighted merchant vertical transaction list;
and
determining, by the machine learning engine, a recommendation for the user based on the weighted merchant vertical transaction list and the recommendation rule.

3 more elements

Dependencies are inferred from the claim text.