IP Library Granted Patent US 11,941,655
Granted Patent B1
US 11,941,655 · App. 18/132,735 · Granted Mar 26, 2024

Machine learning technologies for identifying category purchases and generating digital product offers

Inventors: Anthony David Smaniotto (Portage, IN); Ankit Patel (Union City, NJ)
Assignee: FETCH REWARDS, INC.
G06Q30/0224G06Q30/0202G06Q30/0222G06Q30/0277
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Quick Facts
Patent No.
US 11,941,655
App. No.
18/132,735
Granted
Mar 26, 2024
Kind
B1
Abstract

Systems and methods for using machine learning to determine product offers for individuals are disclosed. According to certain aspects, the systems and methods may determine, using a machine learning model and based on a set of products purchased by a user, a set of digital offers associated with an additional set of products to provide to the user. The user may redeem any of the digital offers, and the systems and methods may use any additional product purchase information to update the machine learning model for use in subsequent analyses.

Claims (52)

1. A computer-implemented method of using machine learning to generate digital offers for products, the computer-implemented method comprising:

training, by at least one processor, a first machine learning model using a first set of training data identifying at least (i) a set of product catalogs, and (ii) a categorization of a purchased set of products within the set of product catalogs;

analyzing, by the at least one processor using the first machine learning model, product purchase data and a product catalog associated with an entity to determine a set of user affinity profiles respectively associated with a first set of individuals, wherein the product purchase data indicates a set of products purchased by the first set of individuals;

training, by at least one processor, a second machine learning model using a second set of training data identifying (i) an initial set of products purchased by a set of individuals, (ii) a set of offers provided to the set of individuals after the initial set of products is purchased by the set of individuals, and (iii) a subsequent set of products purchased by at least a portion of the set of individuals after purchase of the initial set of products and after the set of offers is provided to the set of individuals;

accessing, by at least one processor, a set of data identifying at least one product purchased by an individual of the first set of individuals, wherein the at least one product is associated with the entity;

analyzing, by the at least one processor using the second machine learning model, the set of data and a user affinity profile of the set of user affinity profiles associated with the individual to determine a digital offer for an additional product associated with the entity or an additional entity;

availing, by the at least one processor, the digital offer for review by the individual via an electronic device;

accessing, by at least one processor, an additional set of data indicating whether the additional product was purchased by the individual; and

updating, by the at least one processor, the second machine learning model using the additional set of data to enable more accurate digital offer determinations in subsequent analyses.

2. The computer-implemented method of claim 1 , wherein the at least one product purchased by the individual and the additional product are for the same type of product.

3. The computer-implemented method of claim 1 , wherein accessing the set of data identifying the at least one product purchased by the individual comprises:

receiving, by the at least one processor, a set of digital image data; and

analyzing, by the at least one processor, the set of digital image data to identify the at least one product purchased by the individual.

4. The computer-implemented method of claim 1 , wherein analyzing the set of data and the user affinity profile using the second machine learning model comprises:

analyzing, by the at least one processor, the set of data and the user affinity profile using the second machine learning model to determine a discount associated with purchase of the additional product.

5. The computer-implemented method of claim 1 , further comprising:

availing the set of user affinity profiles to the entity.

6. A system for using machine learning to generate digital offers for products, comprising:

a memory storing a set of computer-readable instructions and data associated with a first machine learning model and a second machine learning model; and

one or more processors interfaced with the memory, and configured to execute the set of computer-readable instructions to cause the one or more processors to:

train the first machine learning model using a first set of training data identifying at least (i) a set of product catalogs, and (ii) a categorization of a purchased set of products within the set of product catalogs,

analyze, using the first machine learning model, product purchase data and a product catalog associated with an entity to determine a set of user affinity profiles respectively associated with a first set of individuals, wherein the product purchase data indicates a set of products purchased by the first set of individuals;

train the second machine learning model using a second set of training data identifying (i) an initial set of products purchased by a set of individuals, (ii) a set of offers provided to the set of individuals after the initial set of products is purchased by the set of individuals, and (iii) a subsequent set of products purchased by at least a portion of the set of individuals after purchase of the initial set of products and after the set of offers is provided to the set of individuals,

access a set of data identifying at least one product purchased by an individual of the first set of individuals, wherein the at least one product is associated with the entity,

analyze, using the second machine learning model, the set of data and a user affinity profile of the set of user affinity profiles associated with the individual to determine a digital offer for an additional product associated with the entity or an additional entity,

avail the digital offer for review by the individual via an electronic device,

access an additional set of data indicating whether the additional product was purchased by the individual, and

update the second machine learning model using the additional set of data to enable more accurate digital offer determinations in subsequent analyses.

7. The system of claim 6 , wherein the at least one product purchased by the individual and the additional product are for the same type of product.

8. The system of claim 6 , wherein to access the set of data identifying the at least one product purchased by the individual, the one or more processors is configured to:

receive a set of digital image data, and

analyze the set of digital image data to identify the at least one product purchased by the individual.

9. The system of claim 6 , wherein to analyze the set of data and the user affinity profile using the second machine learning model, the one or more processors is configured to:

analyze the set of data and the user affinity profile using the second machine learning model to determine a discount associated with purchase of the additional product.

10. The system of claim 6 , wherein the one or more processors is further configured to:

avail the set of user affinity profiles to the entity.

11. A non-transitory computer-readable storage medium configured to store instructions executable by one or more processors, the instructions comprising:

training, by at least one processor, a first machine learning model using a first set of training data identifying at least (i) a set of product catalogs, and (ii) a categorization of a purchased set of products within the set of product catalogs;

analyzing, by the at least one processor using the first machine learning model, product purchase data and a product catalog associated with an entity to determine a set of user affinity profiles respectively associated with a first set of individuals, wherein the product purchase data indicates a set of products purchased by the first set of individuals;

instructions for training a second machine learning model using a second set of training data identifying (i) an initial set of products purchased by a set of individuals, (ii) a set of offers provided to the set of individuals after the initial set of products is purchased by the set of individuals, and (iii) a subsequent set of products purchased by at least a portion of the set of individuals after purchase of the initial set of products and after the set of offers is provided to the set of individuals;

instructions for accessing a set of data identifying at least one product purchased by an individual of the first set of individuals, wherein the at least one product is associated with the entity;

instructions for analyzing, using the second machine learning model, the set of data and a user affinity profile of the set of user affinity profiles associated with the individual to determine a digital offer for an additional product associated with the entity or an additional entity;

instructions for availing the digital offer for review by the individual via an electronic device;

instructions for accessing an additional set of data indicating whether the additional product was purchased by the individual; and

instructions for updating the second machine learning model using the additional set of data to enable more accurate digital offer determinations in subsequent analyses.

12. The non-transitory computer-readable storage medium of claim 11 , wherein the instructions for accessing the set of data identifying the at least one product purchased by the individual comprise:

instructions for receiving a set of digital image data; and

instructions for analyzing the set of digital image data to identify the at least one product purchased by the individual.

13. The non-transitory computer-readable storage medium of claim 11 , wherein the instructions analyzing the set of data and the user affinity profile using the second machine learning model comprises:

instructions for analyzing the set of data and the user affinity profile using the second machine learning model to determine a discount associated with purchase of the additional product.

14. The non-transitory computer-readable storage medium of claim 11 , wherein the instructions further comprise:

instructions for availing the set of user affinity profiles to the entity.

Assignments (6)
TERMINATION AND RELEASE OF SECURITY INTEREST IN INTELLECTUAL PROPERTY AT REEL/FRAME NO. 67487/0808 Recorded Aug 18, 2025
From: EAST WEST BANK
To: FETCH REWARDS, LLC (AS SUCCESSOR IN INTEREST TO FETCH REWARDS, INC.)
Reel/Frame 072473/0549 →
SECURITY INTEREST Recorded Aug 15, 2025
From: FETCH REWARDS, LLC; FETCH REWARDS HOLDINGS, INC.; FETCH HOLDINGS, LLC
To: JPMORGAN CHASE BANK, N.A.
Reel/Frame 072035/0969 →
CERTIFICATE OF CONVERSION Recorded Jun 6, 2024
From: FETCH REWARDS, INC.
To: FETCH REWARDS, LLC
Reel/Frame 067641/0118 →
SECURITY INTEREST Recorded May 22, 2024
From: FETCH REWARDS, INC.
To: EAST WEST BANK
Reel/Frame 067487/0808 →
SECURITY INTEREST Recorded Mar 13, 2024
From: FETCH REWARDS, INC.
To: MS PRIVATE CREDIT ADMINISTRATIVE SERVICES LLC
Reel/Frame 066757/0844 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 10, 2023
From: SMANIOTTO, ANTHONY DAVID; PATEL, ANKIT
To: FETCH REWARDS, INC.
Reel/Frame 063276/0930 →