IP Library › Granted Patent US 12,301,701
Granted Patent B2
US 12,301,701 · App. 18/457,531 · Granted May 13, 2025

Determining a change to product information or user information via hashing

Inventors: Qiaochu Tang (Frisco, TX); Micah Price (The Colony, TX); Stephen Wylie (Carrollton, TX); Geoffrey Dagley (McKinney, TX); Jason Hoover (Grapevine, TX)
Assignee: Capital One Services, LLC
H04L9/0643G06N20/00G06Q30/0627H04L67/306
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Quick Facts
Patent No.
US 12,301,701
App. No.
18/457,531
Granted
May 13, 2025
Kind
B2
Abstract

A device may determine a price of a product based on first information concerning attributes of the product, and provide the price for display by a user device. The device may generate first hash values based on the first information, where a particular first hash value is associated with a particular attribute, and generate a first bit-string that includes the plurality of first hash values. The device may generate second hash values based on second information concerning the attributes of the product, where a particular second hash value is associated with the particular attribute. The device may generate a second bit-string that includes the second hash values, and determine a change to the particular attribute based on the first bit-string and the second bit-string. The device may determine a new price of the product based on the change, and provide the new price for display by the user device.

Claims (81)

1. A method, comprising:

obtaining, by a device, first information,

wherein the first information includes user information which is used to determine a price of a product;

generating a first information bit-string based on the first information;

obtaining, by the device and after obtaining the first information, second information;

generating, by the device, a second information bit-string based on the second information;

determining, by the device, that the first information bit-string is different than the second information bit-string; and

causing, by the device, display information to indicate a change in the price of the product based on the first information bit-string being different than the second information bit-string.

2. The method of claim 1 , wherein the first information is information about a user and the second information is updated information about the user.

3. The method of claim 1 , wherein the first information is information about the product and the second information is updated information about the product.

4. The method of claim 1 , wherein obtaining the first information comprises:

receiving the product and the first information from a user device.

5. The method of claim 1 , further comprising:

causing the display information to display the price of the product after generating the first information bit-string.

6. The method of claim 1 , wherein obtaining the second information comprises one or more of:

obtaining the second information based on a triggering event, or

obtaining the second information after a threshold amount of time.

7. The method of claim 1 , wherein the first information bit-string includes one or more of:

a condition of the product,

an accident history of the product,

a mileage of the product,

a location of the product,

a user salary,

a user employment status,

a user address,

a user credit score,

a user credit history, or

a user bankruptcy status.

8. A device, comprising:

one or more memories; and

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

obtain first information,

wherein the first information includes user information which is used to determine a price of a product;

generate a first hash value based on the first information;

generate a first information bit-string based on the first hash value;

obtain, after obtaining the first information, second information;

generate a second hash value based on the second information;

generate a second information bit-string based on the second hash value;

determine that the first information bit-string is different than the second information bit-string; and

cause display information to indicate a change in the price of the product based on the first information bit-string being different than the second information bit-string.

9. The device of claim 8 , wherein the one or more processors are to:

receive a message; and

parse the message to identify the product and a user.

10. The device of claim 8 , wherein the first information bit-string includes the first hash value and a first unhashed value and the second information bit-string includes the second hash value and a second unhashed value.

11. The device of claim 8 , wherein the one or more processors, to obtain the first information, are to:

obtain data regarding the product from a data structure; and

parse the data to identify the first information.

12. The device of claim 8 , wherein the one or more processors are further to:

process the first information using a machine learning model to determine the price of the product.

13. The device of claim 8 , wherein the first information is information about a user and the second information is updated information about the user.

14. The device of claim 8 , wherein the one or more processors, to obtain the first information, are to:

receive, from a user device, a message indicating the product based on a prompt to identify a product of interest,

wherein the first information is based on one or more of the product or a user associated with the user device.

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:

obtain first information,

wherein the first information includes user information which is used to determine a price of a product;

generate a first information bit-string based on the first information;

cause display information to display the price of the product;

obtain, after obtaining the first information, second information;

generate a second information bit-string based on the second information;

determine that the first information bit-string is different than the second information bit-string;

send updated display information to a device based on the first information bit-string being different than the second information bit-string; and

cause the updated display information to indicate a change in the price of the product.

16. The non-transitory computer-readable medium of claim 15 , wherein the first information bit-string includes a first hash value and a first unhashed value and the second information bit-string includes a second hash value and a second unhashed value.

17. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, to obtain the first information, cause the one or more processors to:

send a signal to a server associated with a financial institution that provides financial services to a user to obtain the first information.

18. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, to obtain the first information, cause the one or more processors to:

send a signal to a server associated with a merchant that sells the product to obtain the first information.

19. The non-transitory computer-readable medium of claim 15 , wherein the first information is one or more of user information or product information.

20. The non-transitory computer-readable medium of claim 15 , wherein the second information bit-string includes one or more of:

a condition of the product,

an accident history of the product,

a mileage of the product,

a location of the product,

a user salary,

a user employment status,

a user address,

a user credit score,

a user credit history, or

a user bankruptcy status.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 29, 2023
From: TANG, QIAOCHU; PRICE, MICAH; WYLIE, STEPHEN; DAGLEY, GEOFFREY; HOOVER, JASON
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 064734/0844 →
Continuity (4)
Continuation 17451719 · Oct 21, 2021
Continuation 16541905 · Aug 15, 2019
Continuation 16287182 · Feb 27, 2019
Related Publication 20230421356A1 · Dec 28, 2023
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