IP Library › Granted Patent US 11,138,646

Granted Patent B2

US 11,138,646 · App. 16/835,982 · Granted Oct 5, 2021

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

G06Q30/0619 G06Q20/14 G06Q20/26 G06Q30/0226 H04L67/20

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Quick Facts

Patent No.: US 11,138,646
App. No.: 16/835,982
Granted: Oct 5, 2021
Kind: B2

External Links

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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 (107)

1. A method, comprising:

providing, by a device and via a subscription management platform, an abstracted version of a website of a third-party provider by which a group of customers interacts with a platform of the third-party provider and access a shared account associated with a group-based subscription provided by the third-party provider;

receiving, by the device and via the subscription management platform, a request for payment of an invoice associated with the group-based subscription;

determining, by the device and based on a total amount of the invoice, proportionate billing amounts for customers in the group of customers;

determining, by the device, 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;

determining, by the device, non-lead accounts from among the group of customer accounts associated with the customers in the group of customers;

paying, by the device, the total amount of the invoice for the group-based subscription using an account number associated with the lead account;

debiting, by the device, the proportionate billing amounts from the non-lead accounts in the group of customer accounts; and

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

2. The method of claim 1 , wherein the customer account attributes include at least one of:

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.

3. The method of claim 1 , wherein the group of customer accounts include at least one of:

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.

4. The method of claim 1 , further comprising:

determining, using a customer matching model, scores for the customers in the group of customers based on other customer account attributes associated with the non-lead accounts,

wherein the scores predict a successful matching of the customers in the group of customers to the group-based subscription, and

wherein the scores indicate a measure of confidence that satisfies a threshold; and

wherein determining the non-lead accounts comprises:

determining the non-lead accounts based on the scores.

5. The method of claim 4 , further comprising:

assigning the group of customers to another group-based subscription based on the scores,

wherein the other group-based subscription is provided by another third-party service provider; and

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

6. The method of claim 1 , further comprising:

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

7. The method of claim 1 , wherein determining the lead account further comprises:

selecting, based on the lead account having the highest tier level among the group of customer accounts, the lead account from the group of customer accounts.

8. The method of claim 1 , further comprising:

determining, based on customer data and utilizing a data model, the group of customers from a pool of customers,

wherein the customer data includes at least one of:

customer preferences associated with the customers in the group of customers, or

customer account attributes associated with the customers in the group of customers; and

automatically enrolling the group of customers in the group-based subscription.

9. A device, comprising:

one or more memories; and

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

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

receive, via the subscription management platform, a request for payment of an invoice associated with the 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 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 at least one of:

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 one or more processors are further configured to:

determine, using a customer matching model, scores for the customers in the group of customers based on other customer account attributes associated with the non-lead accounts,

wherein the scores predict a successful matching of the customers in the group of customers to the group-based subscription, and

wherein the scores indicate a measure of confidence that satisfies a threshold; and

wherein the one or more processors, when determining the non-lead accounts, are to:

determine the non-lead accounts based on the scores.

12. The device of claim 11 , wherein the one or more processors are further configured to:

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

wherein the other group-based subscription is provided by another third-party service provider; and

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

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 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 one or more customer Internet protocol (IP) addresses associated with the shared account for the group-based subscription.

15. 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:

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