Systems and methods for a user interface for making recommendations

Patent metadata

Field	Value
Publication number	US-12555086-B2
Application number	US-202318222791-A
Country	US
Kind code	B2
Filing date	Jul 17, 2023
Priority date	Jun 17, 2020
Publication date	Feb 17, 2026
Grant date	Feb 17, 2026

Abstract

A system includes an application programming interface, a database, and a server. The application programming interface can make recommendations to a user at a point of sale to display a recommended payment method from a set of payment methods associated with the user. The database can store past transactions for each payment method in the set of payment methods. The server can generate payment analytics by analyzing the past transactions in the database for each payment method. The server can determine potential benefits available to the user. The server can determine the recommended payment method by using the payment analytics and maximizing the potential benefits available to the user.

First claim

What is claimed is:

1 . A system comprising a computer server, wherein the computer server is configured to:
apply a browser extension to a web browser running on a user device, the browser extension configured to:
monitor activity on the web browser;
apply a predictive model configured to predict when a user is at a point of sale on a merchant web displayed on the web browser page based on the monitored activity; and
collect and send a payment request from the predicted point of sale to a backend server;
receive, by the backend server, the payment request from a point of sale;
identify, by the backend server, a payment request payment method based on comparison of payment information included in the payment request with payment information associated with each respective payment method of a set of payment methods associated with a user;
filter, by the backend server, one or more past transactions stored in a database for each payment method based on one or more expired time periods of potential benefits to the user to yield one or more filtered past transactions and one or more unwanted results;
generate payment analytics with the predictive model to analyze the one or more filtered past transactions stored in the database for each payment method;
determine, by the backend server, potential benefits available to the user;
determine, by the backend server, a recommended payment method by using the payment analytics and maximizing the potential benefits available to the user;
generate, by the backend server, a unique virtual number for the recommended payment method;
intercept, by the browser extension, by accessing data of the point of sale displayed on the browser and, by the browser extension, display the recommended payment method, including the unique virtual number to the user in selectable interface;
receive, through the browser extension, a user choice of a payment method from the set of payment methods;
retrieve, from the database, one or more generic transactions from a set of generic transactions for each of the unwanted results; and
train the predictive model based on the one or more filtered past transactions, the one or more generic transactions, and the user choice.

2 . The system of claim 1 , wherein:
the one or more filtered past transactions correspond to one or more past transactions selected by the filter, and the one or more unwanted results correspond to one or more past transactions removed by the filter.

3 . The system of claim 1 , wherein the server is further configured to process the payment request using the payment request payment method if the recommended payment method is the same as the payment request payment method.

4 . The system of claim 1 , wherein the server is further configured to transmit to the point of sale an indication to be displayed to the user by the point of sale that the recommended payment method is different than the payment request payment method if the recommended payment method is the different than the payment request payment method.

5 . The system of claim 1 , wherein the recommended payment method includes a virtual number.

6 . The system of claim 5 , wherein the virtual number is limited to use with a particular vendor.

7 . The system of claim 1 , wherein the set of payment methods is selected from one or more of: (i) a credit card, (ii) a bank account, (iii) cash, (iv) a check, or (v) a debit card.

8 . The system of claim 1 , wherein the potential benefits available to the user are selected from one or more of: a number of reward points, cash back, a number of airline miles, a donation to a charity, or an interest rate.

9 . A non-transitory computer-accessible medium having stored thereon computer-executable instructions for making a recommendation to a user at a point of sale, wherein upon execution by a computer arrangement comprising a processor, the instructions cause the computer arrangement to perform procedures comprising:
applying a browser extension to a web browser running on a user device, the browser extension configured to:
monitor activity on the web browser;
apply a predictive model configured to predict when a user is at a point of sale on a merchant web displayed on the web browser page based on the monitored activity; and
collect and send a payment request from the predicted point of sale to a backend server;
receiving, by the backend server, the payment request from the point of sale; identifying, by the backend server, a payment request payment method based on comparison of payment information included in the payment request with payment information associated with each respective payment method of a set of payment methods associated with a user; filtering, by the backend server, one or more past transactions stored in a database for each payment method based on one or more expired time periods of potential benefits to the user to yield one or more filtered past transactions and one or more unwanted results; generating payment analytics with the predictive model to analyze the one or more filtered past transactions stored in the database for each payment method; determining, by the backend server, potential benefits available to the user; determining, by the backend server, a recommended payment method by using the payment analytics and maximizing the potential benefits available to the user; generating, by the backend server, a unique virtual number for the recommended payment method; intercepting, by the browser extension, by accessing data of the point of sale displayed on the browser and, by the browser extension, display the recommended payment method, including the unique virtual number to the user in selectable interface; receiving, through the browser extension, a user choice of a payment method from the set of payment methods; retrieving, from the database, one or more generic transactions from a set of generic transactions for each of the unwanted results; and training the predictive model based on the one or more filtered past transactions, the one or more generic transactions, and the user choice.

10 . The non-transitory computer-accessible medium of claim 9 , wherein the procedures further comprising:
training the predictive model using information about the user and one or more predetermined recommended payment methods associated with one or more websites; processing the payment request using the payment request payment method if the recommended payment method is the same as the payment request payment method; and transmitting, to the point of sale, an indication to be displayed to the user by the point of sale that the recommended payment method is different than the payment request payment method if the recommended payment method is the different than the payment request payment method.

11 . The non-transitory computer-accessible medium of claim 9 , the procedures further comprising:
identifying a previously-used virtual number associated with the user and one or more websites; and associating the previously-used virtual number with the recommended payment method.

Assignees

• Capital One Services Llc

Inventors

• Gabriele David
• Bergeron George
• Vukich Adam
• Nguyen Vu
• Montealegre Andrea
• Chatman Ljubica
• Bulgakov Mykhaylo
• Edwards Joshua
• Benkreira Abdelkader

Classifications

• G06N20/00

  Machine learning · CPC title

• G06Q20/227

  characterised in that multiple accounts are available, e.g. to the payer · CPC title

• G06Q20/387

  Payment using discounts or coupons (relating to marketing G06Q30/02) · CPC title

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title

• G06Q20/204 Primary

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title