IP Library › Granted Patent US 10,628,865
Granted Patent B2
US 10,628,865 · App. 16/121,032 · Granted Apr 21, 2020

Subscription management platforms for automated group-based subscriptions

Inventors: Sophie Bermudez (Washington, DC); Akbar Hosseinkhani (Burke, VA); Omar Khan (Marriottsville, MD); Khosro Akhavan Astaneh (Alexandria, VA)
Assignee: Capital One Services, LLC
G06Q30/0619G06Q20/14G06Q20/26G06Q30/0226H04L67/20
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Quick Facts
Patent No.
US 10,628,865
App. No.
16/121,032
Filed
Sep 4, 2018
Granted
Apr 21, 2020
Kind
B2
Art Unit
3688
USPC
705/14.27
Abstract

A computing resource of a cloud computing environment receives, from customers in a customer population, requests to enroll in group-based subscriptions provided by third-party providers. The requests include customer preferences associated with the customers. The computing resource determines customer account attributes for customer accounts, and determines, using a customer matching model, scores for the customers based on the customer preferences and the customer account attributes. The scores predict a successful matching among the customers in the customer population. The computing resource assigns a first subset of the customers in the customer population to a first group of customers based on the scores, enrolls the first group of customers in a first account for a first group-based subscription provided by a first third-party provider, and allocates a payment for the first group-based subscription among a first group of customer accounts associated with customers in the first group of customers.

Claims (122)

1. A method, comprising:

receiving, by a computing resource of a cloud computing environment and from a plurality of third-party providers, conditions for enrolling in different types of group-based subscriptions provided by the plurality of third-party providers;

receiving, by the computing resource of the cloud computing environment, requests to enroll in one or more group-based subscriptions provided by the plurality of third-party providers,

wherein the requests are received from devices of customers, in a customer population, via a subscription management platform standardized for the different types of group-based subscriptions provided by the plurality of third-party providers,

wherein the requests include customer preferences associated with the customers, and

wherein each request, of the requests, requests a respective customer, of the customers, be enrolled in the one or more group-based subscriptions;

determining, by the computing resource of the cloud computing environment, customer account attributes for customer accounts associated with the customers;

determining, by the computing resource of the cloud computing environment, and, using a customer matching model, scores for the customers based on the customer preferences, the customer account attributes, and the conditions for enrolling in the different types of group-based subscriptions provided by the plurality of third-party providers,

wherein the scores predict a successful matching among the customers in the customer population;

assigning, by the computing resource of the cloud computing environment, a first subset of the customers to a first group of customers based on the scores;

automatically enrolling, by the computing resource of the cloud computing environment, the first group of customers in a shared account for a first group-based subscription, of a first type of group-based subscription of the different types of the group-based subscriptions, provided by a first third-party provider of the plurality of third-party providers,

wherein each customer, of the customers in the first group of customers that is enrolled in the shared account for the first group-based subscription, is associated with a separate request to enroll in the one or more group-based subscriptions, and

wherein automatically enrolling the first group of customers includes sending batched customer data, for the first group of customers, to the first third-party provider that satisfies conditions for enrolling in the first type of group-based subscription;

allocating, by the computing resource of the cloud computing environment, a payment for the first group-based subscription among a first group of customer accounts associated with the customers in the first group of customers; and

providing, by the computing resource of the cloud computing environment and via the subscription management platform, an abstracted version of a website of the first third-party provider by which the group of customers interact with a platform of the first third-party and access the shared account.

2. The method of claim 1 , wherein allocating the payment comprises:

determining proportionate billing amounts for the customers in the first group of customers based on a total billed amount for the first group-based subscription;

paying the total billed amount for the first group-based subscription using an account number associated with a lead account identified from among the first group of customer accounts;

debiting the proportionate billing amounts from non-lead accounts identified from among the first group of customer accounts; and

crediting the proportionate billing amounts debited from the non-lead accounts to the lead account.

3. The method of claim 1 , wherein the customer preferences associated with a request to enroll in a group-based subscription include:

a subscription identifier associated with the group-based subscription,

a provider identifier associated with a third-party provider of the group-based subscription,

a descriptor of a personal routine associated with a customer making the request to enroll in the group-based subscription, or

an indication of a choice, selected from among a plurality of choices, by the customer making the request to enroll in the group-based subscription.

4. The method of claim 1 , wherein the customer account attributes for a customer account include:

a customer rating associated with the customer account,

a first geographic region or a first time-zone associated with a billing address for the customer account,

a second geographic region or a second time-zone associated with a mailing address for the customer account,

a credit limit associated with the customer account,

a customer tier-level associated with the customer account, or

a credit score of a customer enrolled in the customer account.

5. The method of claim 1 , further comprising:

receiving, from one customer in the first group of customers, a request to withdraw from the first group of customers;

selecting, using the customer matching model, a replacement customer for the first group of customers; and

automatically replacing, in the first group of customers, the one customer with the replacement customer.

6. The method of claim 1 , further comprising:

allocating a distribution of rewards or loyalty points for enrollment in the first group-based subscription among the first group of customer accounts.

7. The method of claim 1 , further comprising:

assigning a second subset of the customers in the customer population to a second group of customers based on the scores; and

enrolling the second group of customers in a second account for the first group-based subscription provided by the first third-party provider.

8. The method of claim 1 , further comprising:

assigning a second subset of the customers in the customer population to a second group of customers based on the scores; and

enrolling the second group of customers in a first account for a second group-based subscription provided by a second third-party provider.

9. A device, comprising:

one or more memories; and

one or more processors, communicatively coupled to the one or more memories, to:

receive, from one or more third-party providers, conditions for enrolling in one or more group-based subscriptions offered by the one or more third-party providers;

receive, from devices of customers in a customer population and via a subscription management platform standardized for different types of the group-based subscriptions provided by the one or more third-party providers, requests to enroll in the one or more group-based subscriptions offered by the one or more third-party providers,

wherein the requests include customer preferences, and

wherein each request, of the requests, requests a respective customer, of the customers, be enrolled in the one or more group-based subscriptions;

determine, using a customer matching model, scores for the customers based on the conditions for enrolling in the different types of the group-based subscriptions provided by the one or more third-party providers, and the customer preferences,

wherein the scores predict a successful matching of the customers to a group-based subscription;

assign a first subset of the customers in the customer population to a group of customers based on the scores;

assign the group of customers to a first group-based subscription based on the scores;

automatically enroll the group of customers in a shared account associated with the first group-based subscription, of a first type of group-based subscription of the different types of the group-based subscriptions, provided by a first third-party provider of the one or more third-party providers,

wherein each customer, of the customers in the group of customers that is enrolled in the shared account associated with the first group-based subscription, is associated with a separate request to enroll in the one or more group-based subscriptions, and

wherein the one or more processors, when automatically enrolling the group of customers, are to:

send batched customer data, for the group of customers, to a first third-party provider that satisfies conditions for enrolling in the first type of group-based subscription;

provide, via the subscription management platform, an abstracted version of a website of the first third-party provider by which the group of customers interact with a platform of the first third-party and access the shared account;

receive a request for payment of an invoice associated with the first group-based subscription;

determine, based on a total amount of the invoice, proportionate billing amounts for customers in the group of customers;

determine a lead account from among a group of customer accounts associated with the customers in the group of customers,

wherein the lead account is determined based on customer account attributes associated with the lead account;

determine non-lead accounts from among the group of customer accounts associated with the customers in the group of customers;

pay the total amount of the invoice for the first group-based subscription using an account number associated with the lead account;

debit the proportionate billing amounts from the non-lead accounts in the group of customer accounts; and

credit the proportionate billing amounts debited from the non-lead accounts to the lead account.

10. The device of claim 9 , wherein the customer account attributes include:

a customer rating associated with the lead account,

a credit limit associated with the lead account,

a customer tier-level associated with the lead account,

a credit score of a lead customer associated with the lead account, or

an indication that the lead customer associated with the lead account has opted-in to serving as the lead account.

11. The device of claim 9 , wherein the group of customer accounts include a group of credit card accounts, a group of checking accounts, a group of savings accounts, a group of money-market accounts, or a combination thereof.

12. The device of claim 9 , wherein the scores indicate a measure of confidence that satisfies a threshold.

13. The device of claim 9 , wherein the one or more processors are further configured to:

allow a customer in the group of customers to adjust a setting associated with the shared account for the first group-based subscription.

14. The device of claim 9 , wherein the one or more processors are further configured to:

allow a customer in the group of customers to register customer Internet protocol (IP) addresses associated with the shared account for the first group-based subscription.

15. The device of claim 9 , wherein the one or more processors are further configured to:

assign the group of customers to a second group-based subscription based on the scores,

wherein the first group-based subscription is provided by a first third-party service provider, and

wherein the second group-based subscription is provided by a second third-party service provider; and

enroll the group of customers in a second account associated with the second group-based subscription.

16. A non-transitory computer-readable medium storing instructions, the instructions comprising:

one or more instructions that, when executed by one or more processors, cause the one or more processors to:

receive conditions for enrolling in different types of group-based subscriptions provided by third-party providers;

receive requests to enroll in one or more group-based subscriptions provided by the third-party providers,

wherein the requests are received from devices of customers in a customer population, via a subscription management platform standardized for the different types of group-based subscriptions provided by the third-party providers,

wherein the requests include customer preferences associated with the customers, and

wherein each request, of the requests, requests a respective customer be enrolled in the one or more group-based subscriptions;

determine customer account attributes for customer accounts associated with the customers;

determine, using a customer matching model, scores for the customers based on the customer preferences, the customer account attributes, and the conditions for enrolling in the different types of group-based subscriptions provided by the third-party providers,

wherein the scores predict a successful matching among the customers in the customer population;

assign a first subset of the customers in the customer population to a first group of customers based on the scores;

assign a second subset of the customers in the customer population to a second group of customers based on the scores;

automatically enroll the first group of customers in a shared account for a first group-based subscription, of a first type of group-based subscription of the different types of the group-based subscriptions, provided by a first third-party provider of the third-party providers,

wherein each customer, of the customers in the first group of customers that is enrolled in the shared account for the first group-based subscription, is associated with a separate request to enroll in the one or more group-based subscriptions, and

wherein automatically enrolling the first group of customers includes sending batched customer data, for the first group of customers, to a third-party provider that satisfies conditions for enrolling in the first type of group-based subscription;

provide, via the subscription management platform, an abstracted version of a website of the first third-party provider by which the group of customers interact with a platform of the first third-party and access the shared account;

enroll the second group of customers in a second account for a second group-based subscription;

allocate a payment for the first group-based subscription among a first group of customer accounts associated with the customers in the first group of customers; and

allocate a payment for the second group-based subscription among a second group of customer accounts associated with customers in the second group of customers.

17. The non-transitory computer-readable medium of claim 16 , wherein:

the first group-based subscription is provided by a first third-party provider; and

the second group-based subscription is provided by the first third-party provider.

18. The non-transitory computer-readable medium of claim 16 , wherein:

the first group-based subscription is provided by a first third-party provider; and

the second group-based subscription is provided by a second third-party provider.

19. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

determine first proportionate billing amounts for the customers in the first group of customers based on a first total billed amount for the first group-based subscription;

determine second proportionate billing amounts for the customers in the second group of customers based on a second total billed amount for the second group-based subscription;

pay the first total billed amount for the first group-based subscription using a first account number associated with a first lead account identified from among the first group of customer accounts;

pay the second total billed amount for the second group-based subscription using a second account number associated with a second lead account identified from among the second group of customer accounts;

debit the first proportionate billing amounts from a first plurality of non-lead accounts identified from among the first group of customer accounts;

debit the second proportionate billing amounts from a second plurality of non-lead accounts identified from among the second group of customer accounts;

credit the first proportionate billing amounts debited from the first plurality of non-lead accounts to the first lead account; and

credit the second proportionate billing amounts debited from the second plurality of non-lead accounts to the second lead account.

20. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to:

assign a third subset of the customers in the customer population to a third group of customers based on the scores; and

enroll the third group of customers in a third account for a third group-based subscription.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 5, 2018
From: BERMUDEZ, SOPHIE; HOSSEINKHANI, AKBAR; KHAN, OMAR; ASTANEH, KHOSRO AKHAVAN
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 046788/0474 →
Continuity (1)
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