Systems and methods for executing programmable macros based on external device interactions

Patent metadata

Field	Value
Publication number	US-2024370839-A1
Application number	US-202318311824-A
Country	US
Kind code	A1
Filing date	May 3, 2023
Priority date	May 3, 2023
Publication date	Nov 7, 2024
Grant date	—

Abstract

Disclosed embodiments may include a system for executing programmable macros based on external device interactions. The system may include one or more processors, and a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to execute programmable macros based on external device interactions. The system may receive a device identification of an external device. The system may receive a rule associated with the external device, wherein the rule comprises a triggering event and transfer instructions. The system may receive, from the external device, device data. Responsive to determining, from the device data, that the triggering event has occurred, the system may execute the transfer instructions.

First claim

What is claimed is:

1 . A system comprising:
one or more processors; and a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive a device identification of an external device;
receive a rule associated with the external device, wherein the rule comprises a triggering event and transfer instructions;
receive, from the external device, device data; and
responsive to determining, from the device data, that the triggering event has occurred, execute the transfer instructions.

2 . The system of claim 1 , wherein the system is further configured to:
receive dynamic data; and prior to executing the transfer instructions, modify an amount of a transfer based on the dynamic data in accordance with the rule.

3 . The system of claim 2 , wherein dynamic data comprises data indicative of one or more of:
a location of a user; a time; a day of a week; weather conditions; and biometric data associated with the user.

4 . The system of claim 1 , wherein device data comprises data indicative of one or more user interactions with the external device.

5 . The system of claim 4 , wherein determining that the triggering event has occurred comprises determining, from the device data, one or more of:
the external device has been turned on; a specified function of the external device has been activated; a specified functionality of the external device has been utilized for at least a predetermined amount of time; a user device has interacted with the external device in a specified way; and a user has performed a specified action involving the external device or proximate to the external device.

6 . The system of claim 1 , wherein determining that the triggering event has occurred comprises determining, from the device data, that a user associated with the rule caused the triggering event to occur.

7 . The system of claim 6 , wherein determining that the user associated with the rule caused the triggering event to occur comprises at least one of:
determining that a user device associated with the user was used to interact with the external device; determining that a user account associated with the user was accessed using the external device; determining, using voice recognition techniques, that speech detected by the external device was spoken by the user; and determining, using geolocation data obtained from the user device associated with the user, that the user was proximate to the external device when the triggering event occurred.

8 . The system of claim 1 , wherein the system is further configured to:
prior to executing the transfer instructions, perform a security validation, wherein the security validation comprises one or more of:
transmitting, to a user device associated with a user, a notification of an impending execution of the transfer instructions;
waiting a predetermined amount of time after determining that the triggering event has occurred without receiving a transfer cancellation instruction from the user; and
receiving a transfer authorization from the user.

9 . The system of claim 1 , wherein the rule is a first rule that is associated with a first user, the first rule comprising a first triggering event and first transfer instructions, and the system is further configured to:
receive a second rule associated with the external device, wherein the second rule is associated with a second user and the second rule comprises a second triggering event and second transfer instructions.

10 . A system comprising:
one or more processors; and a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive a device identification of an external device;
receive a rule associated with the external device, wherein the rule comprises a triggering event and transfer instructions;
receive, from the external device, first device data;
responsive to determining, from the first device data, that the triggering event may occur, transmit an alternate activity suggestion to a user device associated with a user;
receive, from the external device, second device data; and
responsive to determining, from the second device data, that the user did not follow the alternate activity suggestion, execute the transfer instructions.

11 . The system of claim 10 , wherein the system is further configured to:
responsive to determining, from the second device data, that the user did follow the alternate activity suggestion, provide the user with an incentive.

12 . The system of claim 11 , wherein the incentive comprises one or more of:
a transfer of incentive funds; a gift card; a coupon; and a future discount.

13 . The system of claim 10 , wherein transmitting an alternate activity suggestion to the user comprises one or more of:
sending a text message to the user device associated with the user; executing an automated phone call to the user device associated with the user; sending a chat message to the user device associated with the user; sending a push notification to a software application installed on the user device associated with the user; and sending a message to the external device for display to the user.

14 . The system of claim 10 , wherein the alternate activity suggestion comprises one or more of:
a suggestion to cease activity that would lead to an occurrence of the triggering event; a suggestion to cease activity representative of a continued occurrence of the triggering event within a predetermined timeframe; or a suggestion to engage in a particular activity that is different from one or more activities associated with the triggering event.

15 . The system of claim 10 , wherein determining that the user did not follow the alternate activity suggestion comprises determining, from the second device data, that the triggering event has occurred after transmitting the alternate activity suggestion to the user.

16 . A system comprising:
one or more processors; and a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
receive a device identification of an external device;
receive a plurality of rules associated with the external device, wherein each rule of the plurality of rules is associated with a respective user and comprises a respective triggering event and respective transfer instructions;
receive, from the external device, device data; and
responsive to determining, from the device data, that a first user caused a respective triggering event to occur, execute first transfers instructions, wherein the first transfer instructions are associated with a rule of the plurality of rules that is associated with the first user.

17 . The system of claim 16 , wherein the system is further configured to:
determine, from the device data, that a second user caused a respective triggering event to occur; and execute second transfer instructions, wherein the second transfer instructions are associated with a rule of the plurality of rules that is associated with the second user.

18 . The system of claim 16 , wherein receiving a plurality of rules associated with the external device comprises:
receiving, from a first user device associated with a first user account, a first rule associated with the external d

Assignees

• Capital One Services Llc

Inventors

• Sharpe Samuel
• Barr Brian
• Davis Michael
• Turner Taylor
• Au-Yeung Justin
• Farnan Tyler
• Rafferty Galen

Classifications

• G06Q20/3224

  Transactions dependent on location of M-devices · CPC title

• G06Q20/4015

  using location information · CPC title

• G06Q20/40145

  Biometric identity checks · CPC title

• G06Q20/42

  Confirmation, e.g. check or permission by the legal debtor of payment · CPC title

• G06Q30/0207

  Discounts or incentives, e.g. coupons or rebates · CPC title