# US 2023/0274306 A1 · Systems and methods for optimizing allocation of points > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2023/0274306 A1 - Document ID: US20230274306A1 - Status: Published application - Kind: A1 - Application number: 18/167,300 - Filed: 2023-02-10 - Published: 2023-08-31 - Earliest claimed: 2020-06-01 - Assignees: Synchrony Bank - Applicants: Synchrony Bank - Inventors: Leonard Jennings; Claire Quinn; M. Ramona Bryson; Deirdre Baker; Marcia Englefield - Web page: https://patentgrep.com/patent/US20230274306A1 ## CPC - G06Q 30/0226: Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems - G06Q 30/0215: {Including financial accounts} - G06Q 30/0238: at point-of-sale [POS] - 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 aspect of the present disclosure, a device includes one or more memories having computer-readable instructions stored therein and one or more processors. The one or more processors are configured to execute the computer-readable instructions to receive, over a period of time, information regarding transactions conducted in association with a user account; identify a category associated with one or more of the transactions based on the information, wherein identifying yields a number of categories; generate a ranking of the categories based on a transaction parameter; assign a different number of points to corresponding transactions in one or more of the categories based on the ranking, with a highest number of points assigned to the corresponding transactions in at least one category with highest ranking; and apply the corresponding number of points to the user account. ## Claims ### Claim 1 (canceled) ### Claim 2 A computer-implemented method, comprising: querying, by one or more processors of a monitoring system, a database of transaction records for a plurality of user accounts, wherein querying includes retrieving information regarding transactions conducted in association with at least one of the plurality of user accounts, wherein the transactions are associated with a plurality of point of sales devices used to generate the information regarding the transactions; processing the information to identify categories for the transactions and respective tables for the categories at the database to store the information; determining that a predetermined period of time has expired; generate a ranking of the categories based on at least one of a plurality of transaction parameters, wherein the plurality of transaction parameters includes a number of transactions and an amount spent for each category as recorded in each respective table at the database prior to expiration of the predetermined period of time; and dynamically assigning, over different defined periods of time, a different number of points to corresponding transactions in one or more of the categories based on the ranking and a point allocation scheme, wherein a highest number of points is assigned to the corresponding transactions in at least one category with a highest ranking value. ### Claim 3 (depends on 2) The computer-implemented method of claim 2, wherein the point allocation scheme includes a base point allocation scheme and an account specific point allocation scheme, the base point allocation scheme specifies how points should be assigned to transactions in each of the categories, and the account specific point allocation scheme includes account specific rules that modify the base point allocation scheme differently for each of the plurality of user accounts. ### Claim 4 (depends on 2) The computer-implemented method of claim 2, wherein the monitoring system is configured to communicate with a plurality of point of sale devices and a payment processing server to receive the information associated with the transactions. ### Claim 5 (depends on 2) The computer-implemented method of claim 2, wherein the point allocation scheme is applied retroactively to the corresponding transactions in a period for which the categories are ranked. ### Claim 6 (depends on 2) The computer-implemented method of claim 2, wherein the point allocation scheme is determined based on a set of configurable specifications; and wherein the set of configurable specifications are set via a graphical user interface accessible via a device communicatively coupled to the monitoring system. ### Claim 7 (depends on 2) The computer-implemented method of claim 2, wherein the point allocation scheme is determined based on a set of configurable specifications; and wherein the set of configurable specifications include one or more of a plurality of account specific point allocation schemes, a plurality of time periods from among which the different defined periods of time are set, and a plurality of categories from among which the categories to be ranked are selected. ### Claim 8 (depends on 2) The computer-implemented method of claim 2, wherein a single financial vehicle is utilized in association with each user account and through which the information regarding the transactions are captured by the monitoring system for a respective user account of the plurality of user accounts. ### Claim 9 A monitoring system comprising: memory; and one or more processors coupled to the memory, wherein the one or more processors are configured to perform operations including: querying, by the one or more processors of the monitoring system, a database of transaction records for a plurality of user accounts, wherein querying includes retrieving information regarding transactions conducted in association with at least one of the plurality of user accounts, wherein the transactions are associated with a plurality of point of sales devices used to generate the information regarding the transactions; processing the information to identify categories for the transactions and respective tables for the categories at the database to store the information; determining that a predetermined period of time has expired; generate a ranking of the categories based on at least one of a plurality of transaction parameters, wherein the plurality of transaction parameters includes a number of transactions and an amount spent for each category as recorded in each respective table at the database prior to expiration of the predetermined period of time; and dynamically assigning, over different defined periods of time, a different number of points to corresponding transactions in one or more of the categories based on the ranking and a point allocation scheme, wherein a highest number of points is assigned to the corresponding transactions in at least one category with a highest ranking value. ### Claim 10 (depends on 9) The monitoring system of claim 9, wherein the point allocation scheme includes a base point allocation scheme and an account specific point allocation scheme, the base point allocation scheme specifies how points should be assigned to transactions in each of the categories, and the account specific point allocation scheme includes account specific rules that modify the base point allocation scheme differently for each of the plurality of user accounts. ### Claim 11 (depends on 9) The monitoring system of claim 9, wherein the monitoring system is configured to communicate with a plurality of point of sale devices and a payment processing server to receive the information associated with the transactions. ### Claim 12 (depends on 9) The monitoring system of claim 9, wherein the point allocation scheme is applied retroactively to the corresponding transactions in a period for which the categories are ranked. ### Claim 13 (depends on 9) The monitoring system of claim 9, wherein the point allocation scheme is determined based on a set of configurable specifications; and wherein the set of configurable specifications are set via a graphical user interface accessible via a device communicatively coupled to the monitoring system. ### Claim 14 (depends on 9) The monitoring system of claim 9, wherein the point allocation scheme is determined based on a set of configurable specifications; and wherein the set of configurable specifications include one or more of a plurality of account specific point allocation schemes, a plurality of time periods from among which the different defined periods of time are set, and a plurality of categories from among which the categories to be ranked are selected. ### Claim 15 (depends on 9) The monitoring system of claim 9, wherein a single financial vehicle is utilized in association with each user account and through which the information regarding the transactions are captured by the monitoring system for a respective user account of the plurality of user accounts. ### Claim 16 A non-transitory computer-readable medium comprising instructions that, when executed by one or more processors of a monitoring system, cause the monitoring system to perform operations comprising: querying a database of transaction records for a plurality of user accounts, wherein querying includes retrieving information regarding transactions conducted in association with at least one of the plurality of user accounts, wherein the transactions are associated with a plurality of point of sales devices used to generate the information regarding the transactions; processing the information to identify categories for the transactions and respective tables for the categories at the database to store the information; determining that a predetermined period of time has expired; generate a ranking of the categories based on at least one of a plurality of transaction parameters, wherein the plurality of transaction parameters includes a number of transactions and an amount spent for each category as recorded in each respective table at the database prior to expiration of the predetermined period of time; and dynamically assigning, over different defined periods of time, a different number of points to corresponding transactions in one or more of the categories based on the ranking and a point allocation scheme, wherein a highest number of points is assigned to the corresponding transactions in at least one category with a highest ranking value. ### Claim 17 (depends on 16) The non-transitory computer readable medium of claim 16, wherein the point allocation scheme includes a base point allocation scheme and an account specific point allocation scheme, the base point allocation scheme specifies how points should be assigned to transactions in each of the categories, and the account specific point allocation scheme includes account specific rules that modify the base point allocation scheme differently for each of the plurality of user accounts. ### Claim 18 (depends on 16) The non-transitory computer readable medium of claim 16, wherein wherein the monitoring system is configured to communicate with a plurality of point of sale devices and a payment processing server to receive the information associated with the transactions. ### Claim 19 (depends on 16) The non-transitory computer readable medium of claim 16, wherein wherein the point allocation scheme is applied retroactively to the corresponding transactions in a period for which the categories are ranked. ### Claim 20 (depends on 16) The non-transitory computer readable medium of claim 16, wherein wherein the point allocation scheme is determined based on a set of configurable specifications; and wherein the set of configurable specifications are set via a graphical user interface accessible via a device communicatively coupled to the monitoring system. ### Claim 21 (depends on 16) The non-transitory computer readable medium of claim 16, wherein wherein the point allocation scheme is determined based on a set of configurable specifications; and wherein the set of configurable specifications include one or more of a plurality of account specific point allocation schemes, a plurality of time periods from among which the different defined periods of time are set, and a plurality of categories from among which the categories to be ranked are selected. ### Claim 22 (depends on 16) The non-transitory computer readable medium of claim 16, wherein a single financial vehicle is utilized in association with each user account and through which the information regarding the transactions are captured by the monitoring system for a respective user account of the plurality of user accounts.