System and method for generating a recommendation

Patent metadata

Field	Value
Publication number	US-11714856-B2
Application number	US-202217578557-A
Country	US
Kind code	B2
Filing date	Jan 19, 2022
Priority date	Oct 17, 2019
Publication date	Aug 1, 2023
Grant date	Aug 1, 2023

Abstract

A method of generating recommendations for a collective profile, the collective profile being linked to a first profile and a second profile. The method may include authenticating a login request from an end user device in association with the collective profile based on credentials associated with the first profile, identifying a query from among a plurality of queries and transmit the query to the end user device, receiving a response to the query, determining that the response is not inconsistent with one or more earlier responses received in association with the second profile and, in response, refining at least one attribute or goal in the collective profile based on the response to generate and store a refined collective profile, and determining whether the refined collective profile results in a new recommendation and, if so, outputting the new recommendation.

First claim

What is claimed is:

1. A server computer system comprising:
a persistent storage containing at least a first profile, a second profile and a collective profile linked to the first profile and to the second profile;
a processor coupled to the persistent storage; and
a memory coupled to the processor, the memory storing instructions that, when executed, are to cause the processor to:
authenticate a login request from an end user device in association with the collective profile based on credentials associated with the first profile;
identify a query from among a plurality of queries and transmit the query to the end user device;
receive a response to the query;
determine that the response results in a conflict with one or more earlier responses received in association with the second profile; and, as a result,

take an action to resolve the conflict.

2. The server computer system of claim 1 , wherein the instructions, when executed, are to cause the processor to take an action by transmitting a notification to a second end user device associated with the second profile regarding the conflict.

3. The server computer system of claim 1 , wherein the collective profile is further associated with at least a third profile and wherein the instructions, when executed, are to cause the processor to take an action by transmitting a notification to respective devices associated with the second profile and third profile regarding the conflict and providing a proposed schedule for resolution of the conflict.

4. The server computer system of claim 1 , wherein the instructions, when executed, are to cause the processor to take an action by:
scheduling, in association with the second profile, a further query to resolve the conflict;
authenticating a further login request from a second device associated with the second profile; and
retrieving and transmitting the further query to the second device.

5. The server computer system of claim 1 , wherein, following the action, the conflict is resolved and wherein the instructions, when executed, are to further cause the processor to:
refine at least one attribute or goal in the collective profile based on the resolved conflict to generate and store a refined collective profile; and
determine that the refined collective profile results in a new recommendation and to output the new recommendation.

6. The server computer system of claim 1 , wherein the instructions, when executed, are to cause the processor to determine that the response results in a conflict with one or more earlier responses received in association with the second profile by determining that the one or more earlier responses generated a goal in association with the second profile having an associated requirement, and that the response to the query associated with the collective profile conflicts with the associated requirement.

7. The server computer system of claim 6 , wherein the response to the query results in a collective goal having an associated collective requirement, and wherein the instructions, when executed, are to cause the processor to determine that the response results in a conflict by determining that the associated requirement and associated collective requirement conflict.

8. The server computer system of claim 1 , wherein the instructions, when executed, are to further configure the processor to identify a query by determining that the collective profile is incomplete, retrieving a query history stored in association with the collective profile, and identifying a next query in a series of queries among the plurality of queries for which no response has been received in association with the first profile.

9. The server computer system of claim 1 , wherein the instructions, when executed, are to further configure the processor to identify a query by detecting a trigger event in association with a goal contained in, or an account linked to, the collective profile.

10. The server computer system of claim 9 , wherein the trigger event includes one or more of an increase in value of the account over a first level, a transaction in the account over a maximum quantity, a change of more than a second amount in a regular transaction in the account, or a completion of the goal.

11. A computer-implemented method comprising:
storing, in memory, a first profile, a second profile and a collective profile linked to the first profile and to the second profile;
authenticating a login request from an end user device in association with the collective profile based on credentials associated with the first profile;
identifying a query from among a plurality of queries and transmit the query to the end user device;
receiving a response to the query;
determining that the response results in a conflict with one or more earlier responses received in association with the second profile; and, as a result,
taking an action to resolve the conflict.

12. The computer-implemented method of claim 11 , wherein taking the action includes transmitting a notification to a second end user device associated with the second profile regarding the conflict.

13. The computer-implemented method of claim 11 , wherein the collective profile is further associated with at least a third profile and wherein taking the action includes transmitting a notification to respective devices associated with the second profile and third profile regarding the conflict and providing a proposed schedule for resolution of the conflict.

14. The computer-implemented method of claim 11 , wherein taking the action comprises:
scheduling, in association with the second profile, a further query to resolve the conflict;
authenticating a further login request from a second device associated with the second profile; and
retrieving and transmitting the further query to the second device.

15. The computer-implemented method of claim 11 , wherein, following the action, the conflict is resolved and wherein the method further includes:
refining at least one attribute or goal in the collective profile based on the resolved conflict to generate and store a refined collective profile; and
determining that the refined collective profile results in a new recommendation and to output the new recommendation.

16. The computer-implemented method of claim 11 , wherein determining that the response results in a conflict with one or more earlier responses received in association with the second profile includes determining that the one or more earlier responses generated a goal in association with the second profile having an associated requirement, and that the response to the query associated with the collective profile conflicts with the associated requirement.

17. The computer-implemented method of claim 16 , wherein the response to the query results in a collective goal having an associated collective requirement, and wherein determining that the response results in a conflict includes determining that the associated requirement and associated collective requirement conflict.

18. The computer-implemented method of claim 11 , the identifying a query includes determining that the collective profile is incomplete, retrieving a query history stored in association with the collective profile, and identifying a next query in a series of queries among the plurality of queries for which no response has been received in association with the first profile.

19. The computer-implemented method of claim 11 , wherein identifying a query includes detecting a trigger event in association with a goal c

Assignees

• Toronto Dominion Bank

Inventors

• Rastogi Mansi
• Holtslander Jane
• Doyle Michael
• Gibbs Kristopher Okera
• Duarte Mary Ann
• Launen Tonja Selena
• Chichkina Alla
• Heise Ellen Rebecca
• Sakoun Anna Anatolievna
• Eggett Seonaid Marlaine
• Mcghee Paul Thomas
• Oliveira Chantale

Classifications

• G06F16/9035 Primary

  Filtering based on additional data, e.g. user or group profiles · CPC title

• G06Q20/4014

  Identity check for transactions · CPC title

• G06F16/9536 Primary

  Search customisation based on social or collaborative filtering · CPC title

• G06Q30/0271

  Personalized advertisement · CPC title

• G06Q30/0256

  User search · CPC title