IP Library › Granted Patent US 11,784,947

Granted Patent B2

US 11,784,947 · App. 17/934,761 · Granted Oct 10, 2023

System and method for proactive intervention to reduce high cost channel usage

Inventors: Scott Karp (Vienna, VA); Erik Mueller (Chevy Chase, MD)

Assignee: Capital One Services, LLC

H04L51/02

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Quick Facts

Patent No.: US 11,784,947
App. No.: 17/934,761
Granted: Oct 10, 2023
Kind: B2

External Links

USPTO Patent Center↗ Full Patent PDF↗

Abstract

Embodiments disclosed herein generally relate to a system and method for proactively generating an intervening message for a remote client device in response to an anticipated user action. A computing system receives one or more streams of user activity. The one or more streams of user activity include interaction with a server of an organization via an application executing on the remote client device. The computing system inputs the one or more streams of user activity into a prediction model. The computing system identifies an anticipated user action based on a prediction output from the prediction model. The computing system determines, based on a solution model, a proposed solution to the anticipated user action. The computing system generates an anticipated message to be transmitted to the remote client device of the user. The computing system transmits the anticipated message to the remote client device of the user.

Claims (66)

1. A method, comprising:

identifying, by a computing system, a user action originating from a user device authorized to access an account of a user managed by the computing system;

inputting, by the computing system, the user action into a prediction model configured to predict a future action to be taken by the user;

determining, by the computing system and based on a prediction output from the prediction model, that the predicted future action is to be made by the user via a primary communication channel;

determining, by the computing system, that a bandwidth of the primary communication channel can be reduced by identifying an alternate communication channel capable of processing the future action to be made by the user, wherein the alternate communication channel is a lower cost communication channel compared to the primary communication channel; and

based on the determining, generating, by the computing system, a preemptive message to be transmitted to the user via the alternate communication channel before the user accesses the primary communication channel for performing the future action and transmitting the preemptive message to the user via the alternate communication channel.

2. The method of claim 1 , wherein determining, by the computing system, that the bandwidth of the primary communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

identifying a complexity of addressing the predicted future action; and

determining that the alternate communication channel can handle the complexity of the predicted future action.

3. The method of claim 1 , wherein determining, by the computing system, that the bandwidth of the primary communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

identifying at least two alternate communication channels, the at least two alternate communication channels comprising the alternate communication channel and a second alternate communication channel; and

determining that the second alternate communication channel is not capable of processing the future action to be made by the user.

4. The method of claim 1 , wherein determining, by the computing system, that the bandwidth of the primary communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

determining that the second alternate communication channel has less bandwidth for processing the future action to be made by the user than the alternate communication channel.

5. The method of claim 1 , wherein identifying, by the computing system, the user action originating from the user device authorized to access the account of a user managed by the computing system comprises:

detecting a trigger event corresponding to a non-conversational action taken by the user.

6. The method of claim 1 , wherein identifying, by the computing system, the user action originating from the user device authorized to access the account of the user managed by the computing system comprises:

monitoring the user accessing a web page; and

identifying the user action with respect to the web page.

7. The method of claim 1 , wherein generating, by the computing system, the preemptive message to be transmitted to the user via the alternate communication channel comprises:

embedding one or more predefined hyperlinks into the preemptive message to be transmitted to the user, wherein selection of one of the one or more predefined hyperlinks initiates a dialogue between the user and a virtual assistant.

8. A non-transitory computer readable medium including one or more sequences of instructions that, when executed by one or more processors, cause a computing system to perform operations comprising:

identifying, by the computing system, a user action performed by a user remote from the computing system;

predicting, by the computing system using a prediction model, a future action to be taken by the user based on the identified user action;

determining, by the computing system, that the predicted future action is to be made by the user via a first communication channel;

determining, by the computing system, that a bandwidth of the first communication channel can be reduced by identifying an alternate communication channel capable of processing the future action to be made by the user, wherein the bandwidth of the alternate communication channel is greater than the bandwidth of the first communication channel; and

based on the determining, generating, by the computing system, a preemptive message to be transmitted to the user via the alternate communication channel before the user accesses the first communication channel for performing the future action and transmitting the preemptive message to the user via the alternate communication channel.

9. The non-transitory computer readable medium of claim 8 , wherein determining, by the computing system, that the bandwidth of the first communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

identifying a complexity of addressing the predicted future action; and

determining that the alternate communication channel can handle the complexity of the predicted future action.

10. The non-transitory computer readable medium of claim 8 , wherein determining, by the computing system, that the bandwidth of the first communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

determining that the second alternate communication channel is not capable of processing the future action to be made by the user.

11. The non-transitory computer readable medium of claim 8 , wherein determining, by the computing system, that the bandwidth of the first communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

determining that the second alternate communication channel has less bandwidth for processing the future action to be made by the user than the alternate communication channel.

12. The non-transitory computer readable medium of claim 8 , wherein identifying, by the computing system, the user action comprises:

detecting a trigger event corresponding to a non-conversational action taken by the user.

13. The non-transitory computer readable medium of claim 8 , wherein identifying, by the computing system, the user action comprises:

monitoring the user accessing a web page; and

identifying the user action with respect to the web page.

14. The non-transitory computer readable medium of claim 8 , wherein generating, by the computing system, the preemptive message to be transmitted to the user via the alternate communication channel comprises:

15. A system comprising:

a processor; and

a memory having programming instructions stored thereon, which, when executed by the processor, causes the system to perform operations comprising:

identifying a user action performed by a user remote from the system;

inputting the user action into a prediction model configured to predict a future action to be taken by the user;

determining, based on a prediction output from the prediction model, that the predicted future action is to be made by the user via a primary communication channel;

determining that a bandwidth of the primary communication channel can be reduced by identifying an alternate communication channel capable of processing the future action to be made by the user, wherein the alternate communication channel is a lower cost communication channel compared to the primary communication channel; and

based on the determining, generating a preemptive message to be transmitted to the user via the alternate communication channel before the user accesses the primary communication channel for performing the future action and transmitting the preemptive message to the user via the alternate communication channel.

16. The system of claim 15 , wherein determining that the bandwidth of the primary communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

identifying a complexity of addressing the predicted future action; and

determining that the alternate communication channel can handle the complexity of the predicted future action.

17. The system of claim 15 , wherein determining that the bandwidth of the primary communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

determining that the second alternate communication channel is not capable of processing the future action to be made by the user.

18. The system of claim 15 , wherein determining that the bandwidth of the primary communication channel can be reduced by identifying the alternate communication channel capable of processing the future action to be made by the user comprises:

determining that the second alternate communication channel has less bandwidth for processing the future action to be made by the user than the alternate communication channel.

19. The system of claim 15 , wherein identifying the user action comprises:

detecting a trigger event corresponding to a non-conversational action taken by the user.

20. The system of claim 15 , wherein identifying the user action comprises:

monitoring the user accessing a web page; and

identifying the user action with respect to the web page.

Assignments (1)

ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 23, 2022

From: KARP, SCOTT; MUELLER, ERIK

To: CAPITAL ONE SERVICES, LLC

Reel/Frame 061195/0030 →

Continuity (3)

Continuation 16868717 · May 7, 2020

Continuation 16003668 · Jun 8, 2018

Related Publication 20230123592A1 · Apr 20, 2023