Automatic service linkage based on discovered user activity patterns
A pattern of user activity is discovered and linked to a network service. The pattern is populated with information relevant to an expected activity of the user, and the populated pattern is provided in an automated message to the user. When the user accepts the message, the expected activity is performed on behalf of the user by the network service with the populated information or the expected activity is automatically scheduled for future performance on behalf of the user by the network service with the populated information.
1. A method, comprising:
obtaining records representing processing performed based on activities of a user;
discovering a pattern of activity for the user from the records by using a type of activity associated with the pattern and conditions defined for the pattern;
linking the pattern to a network service;
associating a user-operated device to the network service, wherein the user-operated device has previously not accessed the network service based on the pattern;
sending a message as a dynamic push notification to a mobile application that executes on the user-operated device requesting permission for the network service to perform a future activity on behalf of the user based on the pattern through the mobile application and a network interface associated with the mobile application and wherein sending further includes:
providing an option that when activated by the user from the mobile application presents details associated with performance of the future activity and when the user is detected as having never enrolled with the network service, providing, via the mobile application, an enrollment screen prepopulated with customer information of the user and the enrollment screen comprising a second option that when activated by the user from the mobile application accepts enrollment and terms associated with enrollment;
providing a third option that when activated by the user authorizes automated performance of the future activity to be performed on behalf of the user at a recurring period of time and providing a second notification to the mobile application for each occurrence of performance of the further activity during the recurring period of time as an alert indicating that the further activity has been performed on behalf of the user;
providing the network service as an integration into a bill pay service as an enhancement, and wherein the pattern represents a recurring physical check written by the user to a specified payee, wherein the recurring physical check when processed on behalf of the user are captured in the records; and
sending, by the network service, a reminder as a prepopulated electronic version of the recurring physical check to the user-operated device, wherein the recurring physical check is a specific check the user is expected to provide and have processed by a future date.
2. The method of claim 1 , wherein discovering further includes mining a history of the activities performed by the user for the pattern, wherein the history of activities include the records.
3. The method of claim 2 , wherein mining further includes restricting the mining to a configured period of past activities present in the history of activities.
4. The method of claim 3 , wherein restricting further includes obtaining the pattern based on matching the conditions found in the past activities.
5. The method of claim 1 , wherein sending further includes providing a modified version of the pattern in the message.
6. The method of claim 5 , wherein providing further includes populating identified variable portions in the modified version with current information for the user.
7. The method of claim 5 , wherein providing further includes including changeable values in the modified version to be interactively provided by the user through the user-operated device.
8. The method of claim 1 , wherein sending further includes providing additional information with the message, wherein the additional information is not directly related to the future activity.
9. The method of claim 1 , wherein sending further includes sending the message when the user is detected as being logged into the network service through the mobile application.
10. The method of claim 1 , wherein sending further includes sending the message at a scheduled date, wherein the schedule date precedes a date associated with the future activity, and wherein the future activity is expected to be performed by the user, and wherein the schedule date precedes the date by a configured amount of time.
11. A non-transitory computer-readable storage medium comprising executable instructions which when executed by a processor of a server causes the processor to perform operations comprising:
mining an activity history of a user for past activities of the user to identify a pattern of past activity, wherein mining further includes using a type of activity associated with the pattern and conditions defined for pattern when identifying the pattern from the activity history;
associating the pattern with a network service available over a network to a user-operated device operated by the user, wherein the user has not previously accessed the network service through the user-operated device;
identifying a future date, wherein the user is expected to perform future actions associated with the pattern, wherein the future actions when processed for the user are captured as records and the records are updated within the activity history;
scheduling a reminder, wherein the reminder is to be sent to the user-operated device at a specified date, wherein the specified date precedes the future date by a configured amount of days;
sending the reminder as a dynamic push notification to a mobile application that executes on the user-operated device at the specified date as a message requesting permission to enroll the user for access to the network service through a network interface associated with the mobile application and requesting a permission for the network service to perform the future actions on behalf of the user on or before the future date through the network interface of the mobile application, wherein sending further includes providing an option that when activated by the user from the mobile application presents details associated with performance of at least one of the future actions and providing via the mobile application, an enrollment screen prepopulated with customer information of the user and the enrollment screen comprising a second option that when activated by the user from the mobile application accepts enrollment and terms associated with enrollment as the permission, wherein sending further includes providing a third option that when activated by the user authorizes automated performance of the at least one of the future actions to be performed on behalf of the user at a recurring period of time and providing a second notification to the mobile application for each occurrence of performance of the at least one further actions during the recurring period of time as an alert indicating that the at least one further actions has been performed on behalf of the user;
providing the network service as an integration into a bill pay service as an enhancement, and wherein the pattern represents a recurring physical check written by the user to a specified payee, wherein the recurring physical check when processed on behalf of the user are captured in the records; and
sending, by the network service, the reminder as a prepopulated electronic version of the recurring physical check to the user-operated device, wherein the recurring physical check is a specific check the user is expected to provide and have processed by the future date.
12. The non-transitory computer-readable storage medium of claim 11 , wherein the executable instructions corresponding to the mining further includes discovering the pattern as recurring physical checks processed on behalf of the user with the specified payee, wherein the recurring physical check when processed is updated to the activity history.
13. The non-transitory computer-readable storage medium of claim 12 , wherein the executable instructions corresponding to the associating further includes identifying the network service as the bill pay service, wherein the bill pay service replaces a need for writing physical checks by the user.
14. The non-transitory computer-readable storage medium of claim 13 , wherein the executable instructions corresponding to the identifying further includes identifying the future date based on a recurring period of time and on the future date the user writes a physical check to the specified payee, wherein the future date is a next date, wherein the next date is associated with a specific date the pattern is expected to occur.
15. The non-transitory computer-readable storage medium of claim 14 , wherein the executable instructions corresponding to the scheduling further includes pre-populating an electronic check with expected information representing an expected written check provided by the user on the future date.
16. A system (SST), comprising:
a server; and
a network service interface;
wherein the network service interface is configured to:
execute on at least one hardware processor of the server;
identify a pattern expected to recur at a future date from a history of past activities of a user, wherein the past activities cause processing and the processing is captured as records in the history, wherein the pattern is identified from the records based on a type of activity associated with the pattern and conditions defined for the pattern;
send a reminder as a dynamic push notification to a mobile application that executes on a user-operated device operated by the user at a date, wherein the date precedes the future date and on the date the user is asked through the user-operated device whether a network service associated with the network service interface can perform actions needed for the pattern by the future date;
perform, through the network service, the actions by the future date when authorized by the user through a network interface associated with the mobile application by providing an option that when activated by the user from the mobile application presents details associated with performance of at least one of the actions and when the user is detected as having never enrolled with the network service, providing, via the mobile application, an enrollment screen prepopulated with customer information of the user and the enrollment screen comprising a second option that when activated by the user from the mobile application accepts enrollment and terms associated with enrollment, and by providing a third option that when activated by the user authorizes automated performance of the at least one of the actions to be performed on behalf of the user at a recurring period of time; and
providing a second notification to the mobile application for each occurrence of performance of the at least one of the actions during the recurring period of time as an alert indicating that the at least one of the actions has been performed on behalf of the user;
wherein the network service interface is integrated into a bill pay service as an enhancement and the pattern represents a recurring physical check written by the user to a specified payee, wherein the recurring physical check when processed on behalf of the user are captured in the records;
wherein the network service interface is further configured to: send the reminder as a prepopulated electronic version of the recurring physical check to the user-operated device, wherein the recurring physical check is a specific check the user is expected to provide and have processed by the future date.