# US 2021/0241304 A1 · Incentive management platform

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

- Number: US 2021/0241304 A1
- Document ID: US20210241304A1
- Status: Published application
- Kind: A1
- Application number: 16/780,423
- Filed: 2020-02-03
- Published: 2021-08-05
- Earliest claimed: 2020-02-03
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Abdelkader M'Hamed BENKREIRA; Michael MOSSOBA; Joshua EDWARDS; Matthew CARSON
- Web page: https://patentgrep.com/patent/US20210241304A1

## CPC

- G06Q 30/0215: {Including financial accounts}
- G06Q 30/0233: {Method of redeeming a frequent usage reward}
- 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

A device may receive, from a user device, credentials for a transaction account associated with a user. The device may provide, to a merchant device, authorization information enabling access to an indication of an incentive status associated with the user and the transaction account, wherein the incentive status indicates whether an incentive is available for the user. The device may receive, from the merchant device, an incentive status request including the authorization information. The device may determine that the authorization information is valid and is associated with the transaction account. The device may determine a current incentive status for the incentive, wherein the current incentive status is based on a satisfaction of a condition associated with the transaction account. The device may provide, to the merchant device, the indication of the current incentive status for the incentive.

## Claims

### Claim 1

A method, comprising:
receiving, by a device and from a user device, credentials for a transaction account,
wherein the transaction account is associated with a user;
determining, by the device, a validity of the credentials for the transaction account;
providing, by the device, to a merchant device, and based on determining the validity of the credentials, an open authorization (OAuth) token that enables the merchant device to access limited information about the transaction account including an indication of an incentive status associated with the user,
wherein the incentive status is based on one or more conditions, associated with the transaction account, that affects whether an incentive, associated with the merchant device, is available for the user,
wherein the incentive is provided by a third-party merchant, and
wherein the merchant device is associated with the third-party merchant;
receiving, by the device and from the merchant device, an incentive status request,
wherein the incentive status request includes the OAuth token;
determining, by the device, that the OAuth token is valid and is associated with the transaction account;
generating, by the device and based on determining that the OAuth token is valid and is associated with the transaction account, a transaction account score based on a weighted combination of the one or more conditions;
determining, by the device and based on determining that the transaction account score satisfies a threshold, a current incentive status for the incentive; and
providing, by the device and to the merchant device, the indication of the current incentive status for the incentive,
wherein the indication of the current incentive status enables the merchant device to determine whether to apply the incentive to a user account associated with the user.

### Claim 2 (depends on 1)

The method of claim 1, further comprising:
accessing a transaction history of the transaction account; and
determining, from the transaction history, whether the one or more conditions associated with the transaction account are satisfied.

### Claim 3 (depends on 1)

The method of claim 1, further comprising:
identifying the incentive, from a set of candidate incentives, based on the incentive being associated with the merchant device.

### Claim 4 (depends on 1)

The method of claim 1, further comprising:
determining the incentive, using a machine learning process, based on the incentive resulting in an increase of a probability of the user maintaining a status of the transaction account,
wherein the increase of the probability satisfies a threshold increase of the probability.

### Claim 5 (depends on 1)

The method of claim 1, wherein the one or more conditions associated with the transaction account are associated with one or more of:
the transaction account being active,
the user being current with payments for the transaction account,
satisfaction of a threshold spending amount using the transaction account,
the transaction account being used to purchase a qualifying product or service, or
the transaction account performing recurring payments to another entity.

### Claim 6 (depends on 1)

The method of claim 1,
wherein the OAuth token provides access to the indication of the incentive status for a limited period.

### Claim 7 (depends on 1)

The method of claim 1, wherein the indication is a first indication,
wherein the first indication of the incentive status indicates that the incentive is available to the user; and
wherein the method further comprises:
determining that the incentive is no longer available based on the one or more conditions associated with the transaction account no longer being satisfied; and
providing, to the merchant device, a second indication that indicates that the incentive is no longer available to the user.

### Claim 8

A device, comprising:
one or more memories; and
one or more processors, communicatively coupled to the one or more memories, configured to:
determine an incentive associated with a merchant that is associated with a merchant device,
wherein availability of the incentive, for a user, is based on satisfaction of one or more conditions associated with a transaction account that is associated with the user, and
wherein the incentive is determined to increase a probability of the user maintaining a status of the transaction account;
receive, from a user device, credentials for the transaction account;
determine a validity of the credentials for the transaction account;
provide, to the merchant device and based on determining the validity of the credentials, an open authorization (OAuth) token that enables the merchant device to access limited information about the transaction account including an indication of an incentive status associated with the user,
wherein the incentive status is associated with the transaction account, and
wherein the incentive status indicates whether the incentive is available for the user,
wherein the incentive is provided by a third-party merchant, and
wherein the merchant device is associated with the third-party merchant;
receive, from the merchant device, an incentive status request,
wherein the incentive status request includes the OAuth token;
determine that the OAuth token is valid and is associated with the transaction account;
generate, based on determining that the OAuth token is valid and is associated with the transaction account, a transaction account score based on a weighted combination of the one or more conditions;
determine, based on determining that the transaction account score satisfies a threshold, a current incentive status for the incentive; and
provide, to the merchant device, the indication of the current incentive status for the incentive,
wherein the indication of the current incentive status enables the merchant device to determine whether to apply the incentive to a user account associated with the user.

### Claim 9 (depends on 8)

The device of claim 8, wherein the indication of the incentive status indicates that the incentive is unavailable to the user; and
wherein the one or more processors are further configured to provide, to the user device, a notification indicating that the incentive is unavailable to the user.

### Claim 10 (depends on 9)

The device of claim 9, wherein the notification comprises an identification of one or more actions that would satisfy the one or more conditions associated with the transaction account.

### Claim 11 (depends on 8)

The device of claim 8, wherein the one or more processors are further configured to:
access a transaction history of the transaction account; and
determine, from the transaction history, whether the one or more conditions associated with the transaction account are satisfied.

### Claim 12 (depends on 8)

The device of claim 8, wherein the one or more processors are further configured to
provide, to the merchant device, a definition of the incentive, and
wherein the definition of the incentive comprises information identifying one or more of:
a duration of activity of the incentive,
a quantity of uses of the incentive available to the user,
a discount amount for a product or service associated with the merchant, or
a product or service, associated with the merchant, to which the incentive provides access.

### Claim 13 (depends on 8)

The device of claim 8, wherein the one or more conditions associated with the transaction account are associated with one or more of:
the transaction account being active,
the user being current with payments for the transaction account,
satisfaction of a threshold spending amount using the transaction account,
the transaction account being used to purchase a qualifying product or service, or
the transaction account performing recurring payments to another entity.

### Claim 14 (depends on 8)

The device of claim 8, wherein the incentive status request is a first incentive status request and the indication is a first indication,
wherein the first indication of the incentive status indicates that the incentive is available to the user, and
wherein the one or more processors are further configured to:
receive, from the merchant device, a second incentive status request;
determine that the incentive is no longer available based on the one or more conditions associated with the transaction account no longer being satisfied; and
provide, to the merchant device, a second indication that indicates that the incentive is no longer available to the user.

### Claim 15 (depends on 8)

The device of claim 8, wherein the incentive relates to a streaming service provided, to the user device, by the merchant.

### Claim 16

A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors, cause the one or more processors to:
determine an incentive associated with a merchant that is associated with a merchant device,
wherein availability of the incentive, for a user, is based on satisfaction of one or more conditions associated with a transaction account that is associated with the user, and
wherein the incentive is determined, using a machine learning process, to increase a probability of the user maintaining a status of the transaction account; receive, from a user device, a request for an open authorization (OAuth) token,
wherein the request for the OAuth token comprises credentials for the transaction account and an identification of the merchant device that enables the merchant device to access limited information about the transaction account;
provide, to the merchant device and based on determining a validity of the credentials, authorization information enabling access to information about the transaction account including an indication of an incentive status associated with the user,
wherein the incentive status is associated with the transaction account, and
wherein the incentive status indicates whether the incentive is available for the user,
wherein the incentive is provided by a third-party merchant, and
wherein the merchant device is associated with the third-party merchant;
receive, from the merchant device, an incentive status request,
wherein the incentive status request includes the OAuth token;
determine that the OAuth token is valid and is associated with the transaction account;
generate, based on determining that that the OAuth token is valid and is associated with the transaction account, a transaction account score based on a weighted combination of the one or more conditions;
determine, based on determining that the transaction account score satisfies a threshold, a current incentive status for the incentive; and
provide, to the merchant device, the indication of the current incentive status for the incentive,
wherein the indication of the current incentive status enables the merchant device to determine whether to apply the incentive to a user account associated with the user.

### Claim 17 (depends on 16)

The non-transitory computer-readable medium of claim 16, wherein the indication of the incentive status indicates that the incentive is available, and
wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
receive, from the merchant device, an indication of an amount owed to the merchant based on the merchant device providing the incentive to the user; and
provide a payment of the amount owed to a transaction account associated with the merchant.

### Claim 18 (depends on 16)

The non-transitory computer-readable medium of claim 16, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:
access a transaction history of the transaction account; and
determine, from the transaction history, whether the one or more conditions associated with the transaction account are satisfied.

### Claim 19 (depends on 16)

The non-transitory computer-readable medium of claim 16, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to provide, to the merchant device, a definition of the incentive,
wherein the definition of the incentive comprises information one or more of:
a duration of activity of the incentive,
a quantity of uses of the incentive available to the user,
a discount amount for a product or a service associated with the merchant, or
access to the product or the service associated with the merchant.

### Claim 20 (depends on 16)

The non-transitory computer-readable medium of claim 16, wherein the indication of the incentive status indicates that the incentive is unavailable to the user, and
wherein the one or more instructions cause the one or more processors to:
provide, to the user device, an indication that the incentive is unavailable to the user; and
provide, to the user device, an indication of an action that would satisfy the one or more conditions associated with the transaction account.