Dynamic offer selection system

Patent metadata

Field	Value
Publication number	US-12586109-B2
Application number	US-202217815374-A
Country	US
Kind code	B2
Filing date	Jul 27, 2022
Priority date	Jul 27, 2021
Publication date	Mar 24, 2026
Grant date	Mar 24, 2026

Abstract

Aspects of a dynamic offer system are described. In one example, a method involves receiving a data feed of offer data, generating a set of current offers in a database using a set of offer rules and the data feed, receiving merchant configuration data associated with a merchant portal, and dynamically selecting current merchant offers from the set of current offers in the database using the merchant configuration data. A request is received for the current merchant offers, where when the request for the current merchant offers is received from a customer device, the request includes dynamic customer data customized based on user selections, one or more offers of the current merchant offers based on the dynamic customer data are dynamically selected, and a transaction between the customer device and the merchant portal associated with the one or more offers dynamically selected by the computing device is facilitated.

First claim

What is claimed:

1 . A computer-implemented method, comprising:
generating, by a rules engine of a server, a set of current offers in an offer database using a set of offer rules and a data feed of offer data, wherein the set of current offers is selected through a merchant portal; selecting, by the server, current merchant offers in the offer database, wherein selecting includes processing merchant configuration data through the server, and wherein the merchant configuration data is associated with the merchant portal; loading an offers widget on a customer device using a script on the merchant portal; receiving, at the server, a request for the current merchant offers, wherein the request includes dynamic customer data customized based on user selections associated with a user, and wherein the request is associated with the offers widget; processing, by the server, the dynamic customer data, target performance criteria, and history data through a machine learning algorithm to determine one or more target offers of the current merchant offers; tracking updated customer data by the offers widget and during ongoing transactions between the customer device and the merchant portal; processing, by the server, the updated customer data through the machine learning algorithm to identify updated customized target offers, wherein the updated customized target offers are specific to the user according to the updated customer data; and customizing and displaying, by the offers widget, a modal interface, wherein customizing includes using the rules engine and the updated customer data to automatically select updated target offers to present in the modal interface associated with the customer device as transactions continue to be processed in real time.

2 . The computer-implemented method of claim 1 , wherein generating the set of current offers comprises:
tracking availability data from the offer data in the data feed; adding one or more offers to the offer database from the offer data using the availability data; and removing one or more offers from the offer database based on removal criteria for previously stored offers.

3 . The computer-implemented method of claim 1 , wherein selection of the current merchant offers is based at least in part on an industry code associated with the request and the merchant configuration data.

4 . The computer-implemented method of claim 1 , wherein the request is associated with the dynamic customer data for the ongoing transactions;
wherein dynamic selection of the current merchant offers from the set of current offers in the offer database is further based at least in part on the dynamic customer data.

5 . The computer-implemented method of claim 1 , wherein the request includes product details;
wherein selection of the current merchant offers is further based at least in part on the product details.

6 . The computer-implemented method of claim 1 , wherein the machine learning algorithm is trained using history data to achieve a target result by selecting criteria for products based on product price or repayment period terms with client states from a state-tracking engine.

7 . A device comprising:
memory; and one or more processors coupled to the memory and configured for: generating, by a rules engine of a server, a set of current offers in an offer database using a set of offer rules and a data feed of offer data, wherein the set of current offers is selected through a merchant portal; selecting, by the server, current merchant offers in the offer database, wherein selecting includes processing merchant configuration data through the server; loading an offers widget on a customer device using a script on the merchant portal; receiving, at the server, a request for the current merchant offers, wherein the request includes dynamic customer data customized based on user selections associated with a user, and wherein the request is associated with the offers widget; processing, by the server, the dynamic customer data, target performance criteria, and history data through a machine learning algorithm to determine one or more target offers of the current merchant offers; tracking updated customer data by the offers widget and during ongoing transactions between the customer device and the merchant portal; processing, by the server, the updated customer data through the machine learning algorithm to identify updated customized target offers, wherein the updated customized target offers are specific to the user according to the updated customer data; and customizing and displaying, by the offers widget, a modal interface, wherein customizing includes using the rules engine and the updated customer data to automatically select updated target offers to present in the modal interface associated with the customer device as transactions continue to be processed in real time.

8 . The device of claim 7 , wherein generating the set of current offers comprises:
tracking availability data from the offer data in the data feed; adding one or more offers to the offer database from the offer data using the availability data; and removing one or more offers from the offer database based on removal criteria for previously stored offers.

9 . The device of claim 7 , wherein selection of the current merchant offers is based at least in part on an industry code associated with the request and the merchant configuration data.

10 . The device of claim 7 , wherein the request is associated with the dynamic customer data for the ongoing transactions;
wherein dynamic selection of the current merchant offers from the set of current offers in the offer database is further based at least in part on the dynamic customer data.

11 . The device of claim 7 , wherein the request includes product details;
wherein selection of the current merchant offers is further based at least in part on the product details.

12 . The device of claim 7 , wherein the machine learning algorithm is trained using history data to achieve a target result by selecting criteria for products based on product price or repayment period terms with client states from a state-tracking engine.

13 . A non-transitory computer readable storage medium comprising instructions that, when executed by one or more processors of a device, cause the device to perform operations including:
generating, by a rules engine of a server, a set of current offers in an offer database using a set of offer rules and a data feed of offer data, wherein the set of current offers is selected through a merchant portal; selecting, by the server, current merchant offers in the offer database, wherein selecting includes processing merchant configuration data through the server, and wherein the merchant configuration data is associated with the merchant portal; loading an offers widget on a customer device using a script on the merchant portal; receiving, at the server, a request for the current merchant offers, wherein the request includes dynamic customer data customized based on user selections associated with a user, and wherein the request is associated with the offers widget; processing, by the server, the dynamic customer data, target performance criteria, and history data through a machine learning algorithm to one or more target offers of the current merchant offers; tracking updated customer data by the offers widget and during ongoing transactions between the customer device and the merchant portal; processing, by the server, the updated customer data through the machine learning algorithm to identify updated customized target offers, wherein the upd

Assignees

• Synchrony Bank

Inventors

• Mukherjee Joydeep
• Yagnesak Karen
• Ravi Viveka Vardhan
• Vadakapurapu Sarath
• Kumar Ravish
• Dadireddy Vish

Classifications

• G06Q30/0611 Primary

  Request for offers or quotes · CPC title