Granted Patent B2

US 12,561,726 · App. 18/535,755 · Granted Feb 24, 2026

Inventor: Rohan K.K. Chandran (Sunnyvale, CA)

Assignee: CPL Assets, LLC

G06Q30/0631G06Q30/0643G06Q40/03

Abstract

Claims (157)

1 . A computing system comprising:

one or more central processing units;

one or more storage devices including random access memory for temporary storage of information, a read only memory for permanent storage of information, and a mass storage device;

a network interface configured to communicate with:

a plurality of servers comprising a first server associated with a first website and a second server associated with a second website; and

a third-party server; and

one or more hardware processors configured to execute computer-executable instructions in order to:

provide, via the one or more hardware processors and to a first user device associated with a first user, a first user session during a first time period, wherein during the first user session:

access from one or more databases associated with the third-party server, first user characteristics associated with the first user

access one or more attributes associated with a plurality of products and the first user;

receive from a first website:

a first electronic request for products; and

first website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products;

identify first prescreened products of the plurality of products for which the first user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the first prescreened products are identified at least based on:

prescreen criteria for respective products;

a geographic location of the first user based at least in part on information received from a first user computing device, wherein the geographic location comprises multi-level alphanumeric identifiers associated with the first user, wherein the multi-level alphanumeric identifiers correspond to two or more of:

residential location of the first user, business location associated with the first user, at least a portion of a municipality of the first user, or a residency of the first user; and

the first user characteristics, wherein the first prescreened products include at least a first product and a second product;

for each of the first prescreened products, calculate first weighted attribute values by automatically applying weightings from the first website custom ranking criteria to the one or more attributes, first weighted attribute values including at least:

(1) a click-through-rate attribute value indicative of an expected percentage of users that will electronically request the product of a total number of times the product is presented to respective users; and

(2) a click propensity attribute value indicative of a user's propensity to select a specific type of presented link, wherein the first user characteristics include one or more of: historical browsing habits of the first user and a demographic analysis of the first user, wherein the specific type of presented link includes links related to the type of product included in the plurality of products, and wherein the click propensity attribute is based at least in part on a geographic location corresponding to an IP address of the first user and historical data of a group of users using a shared internet service provider;

for each of the plurality of prescreened products, automatically apply, via the one or more hardware processors, the first website custom ranking criteria associated with the prescreened product;

based on the first weighted attribute values, perform a first initial ranking of the first prescreened products, wherein the first product is ranked higher than the second product in the first initial ranking, and wherein the first initial ranking is determined at a first time;

access, via the one or more hardware processors, historic traffic data and trending data associated with the prescreened products, wherein the historic traffic data includes prior selections of the prescreened products included in the first initial ranking, wherein the trending data indicates current selections received from a first plurality of simultaneous user sessions of the prescreened products included in the first initial ranking;

calculate expected future rankings for each of the first prescreened products based on one or more of: historic traffic data and trending data, wherein the expected future rankings are associated with a time later than the first time period, wherein the historic traffic data includes prior selections of the first prescreened products, and wherein the trending data indicates current selections received from the first plurality of simultaneous user sessions occurring during the first time period of the first prescreened products;

based on the expected future rankings, perform a first final ranking of the first prescreened products, wherein the second product is ranked higher than the first product based at least in part on a determination that the second product is less likely than the first product to be selected later in a same day;

in response to the first electronic request, generate and transmit, to the first website, information regarding the second product; and

in response to receiving an indication of a selection of the second product from the first website, automatically generate and transmit, via the one or more hardware processors, to the first website, first web browser data including at least Hypertext Markup Language that is configured to be rendered by a dynamic interactive website feature corresponding to the first user website to display an interactive user interface including electronic information associated with the final first ranking, wherein the final first ranking includes a highest ranked prescreened product, and wherein the first website is configured to:

display, via the one or more hardware processors, in the interactive user interface, the highest ranked prescreened product display of an electronic graphical user interface on the first user device configured to allow the first user to apply for the second product; and

provide, via the one or more hardware processors and to a second user device associated with a second user, a second user session during a second time period, the second time period occurring on a same day as the first time period and after the first time period ends, wherein during the second user session:

access from the one or more databases associated with the third-party server, first user characteristics associated with the first user; and

access one or more attributes associated with a plurality of products and the second user;

receive, from a second website:

a second electronic request for products; and

second website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products, the second website custom ranking criteria different than the first website custom ranking criteria;

identify second prescreened products of the plurality of products for which the second user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the second prescreened products include at least the first product and the second product, wherein identification is at least based on:

prescreen criteria for respective products;

a geographic location of the second user; and

the second user characteristics, wherein the second prescreened products include at least the first product and the second product;

for each of the plurality of prescreened products, automatically apply, via the one or more processors, the second website custom ranking criteria associated with the prescreened products to perform a second initial ranking;

calculate second expected future rankings for each of the second prescreened products based on one or more of historic traffic data and trending data;

based on the second expected future rankings perform an intermediate second ranking of the second prescreened products;

determine, via the one or more hardware processors, based at least on the intermediate second ranking, a highest ranked prescreened product;

generate and transmit, via the one or more hardware processors, to the second website, second web browser data including at least Hypertext Markup Language, that is configured to be rendered by a dynamic interactive website feature corresponding to the second user computing device to display an interactive user interface including electronic information associated with the second ranking, wherein the second ranking includes the highest ranked prescreened product, and wherein the first website is configured to:

display, via the one or more hardware processors, in the interactive user interface, the highest ranked prescreened product; and

receive, from the first user computing device, first user electronic request information and a selection of a links associated with at least one or more additional prescreened products;

access quota data associated with the second prescreened products, wherein the quota data indicates a maximum number of offers associated with each product of the second prescreened products;

determine based on the quota data that the second product is not available for offer due to a maximum number of offers having been met for the second product; and

in response to the determination of the quota data, perform a final second ranking of the second prescreened products, wherein the first product is highest ranked of the second prescreened products.

2 . The computing system of claim 1 , wherein the time later than the first time period that is associated with expected future rankings is the second time period.

3 . The computing system of claim 1 , wherein the second product is omitted or removed from the second prescreened products in the fourth ranking.

4 . The computing system of claim 1 , wherein the one or more hardware processors are further configured to execute computer-executable instructions in order to:

during the first user session, automatically determine the geographic location of the first user based at least in part on information received from the first user device.

5 . The computing system of claim 1 , wherein the electronic graphical user interface is configured to display the second product in a location that indicates that the second product is highest ranked.

6 . The computing system of claim 1 , wherein the electronic graphical user interface is configured to display two or more products from the second ranking of the first prescreened products.

7 . The computing system of claim 1 , wherein the attribute values further comprise:

(1) a bounty attribute value indicative of an amount owed to an entity controlling operations of the first website from which the first user is directed to apply for the product if the first user is provisioned the product, and

(2) a conversion rate attribute value indicative of an expected percentage of users that will be provisioned the product of a total number of times the product is presented.

8 . A method comprising:

providing, to a first user device associated with a first user, a first user session during a first time period;

during the first user session:

accessing, from one or more databases associated with a third-party server, first user characteristics associated with the first user;

accessing, one or more attributes associated with a plurality of products and the first user;

receiving, from a first website:

a first electronic request for products; and

first website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products;

identifying, first prescreened products of the plurality of products for which the first user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the first prescreened products are identified at least based on:

prescreen criteria for respective products;

a geographic location of the first user based at least in part on information received from a first user computing device, wherein the geographic location comprises multi-level alphanumeric identifiers associated with the first user, wherein the multi-level alphanumeric identifiers correspond to two or more of: residential location of the first user, business location associated with the first user, at least a portion of a municipality of the first user, or a residency of the first user; and

the first user characteristics, wherein the first prescreened products include at least a first product and a second product;

calculating, for each of the first prescreened products, first weighted attribute values by automatically applying weightings from the first website custom ranking criteria to the one or more attributes, wherein first weighted attribute values include at least: a click propensity attribute value indicative of a user's propensity to select a specific type of presented link, wherein the first user characteristics include one or more of: historical browsing habits of the first user and a demographic analysis of the first user, wherein the specific type of presented link includes links related to the type of product included in the plurality of products, and wherein the click propensity attribute is based at least in part on a geographic location corresponding to an IP address of the first user;

for each of the plurality of prescreened products, automatically apply the first website custom ranking criteria associated with the prescreened products to determine a corresponding plurality of weighted attribute values;

performing, based on the first weighted attribute values, a first initial ranking of the first prescreened products, wherein the first product is ranked higher than the second product in the first initial ranking, and wherein the first initial ranking is determined at a first time;

accessing, historic traffic data and trending data associated with the prescreened products, wherein the historic traffic data includes prior selections of the prescreened products included in the first initial ranking, wherein the trending data indicates current selections received from a first plurality of simultaneous user sessions of the prescreened products in the first initial ranking;

calculating, expected future rankings for each of the first prescreened products based on one or more of: historic traffic data and trending data, wherein the expected future rankings are associated with a time later than the first time period, wherein the historic traffic data includes prior selections of the first prescreened products, and wherein the trending data indicates current selections received from the first plurality of simultaneous user sessions occurring during the first time period of the first prescreened products;

performing, based on the expected future rankings, a first final ranking of the first prescreened products, wherein the second product is ranked higher than the first product based at least in part on a determination that the second product is less likely than the first product to be selected later in a same day;

generating and transmitting, in response to the first electronic request, information regarding the second product to the first website; and

in response to receiving an indication of selection of the second product from the first website, automatically causing generating and transmitting, via one or more hardware processors, to the first website, first web browser data including at least Hypertext Markup Language that is configured to be rendered by a dynamic interactive website feature corresponding to the first user website to display an interactive user interface including electronic information associated with the final first ranking, wherein the final first ranking includes a highest ranked prescreened product, and wherein the first website is configured to:

displaying, via the one or more hardware processors, in the interactive user interface, the highest ranked prescreened product; and

providing, to a second user device associated with a second user, a second user session during a second time period, the second time period occurring on a same day as the first time period and after the first time period ends; and

during the second user session:

accessing from one or more databases associated with the third-party server, first user characteristics associated with the first user;

accessing one or more attributes associated with a plurality of products and the second user;

receiving, from a second website:

a second electronic request for products; and

second website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products, the second website custom ranking criteria different than the first website custom ranking criteria;

identifying, second prescreened products of the plurality of products for which the second user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the second prescreened products include at least the first product and the second product, wherein identification is at least based on:

prescreen criteria for respective products;

a geographic location of the second user; and

the second user characteristics, wherein the second prescreened products include at least the first product and the second product;

for each of the plurality of prescreened products, automatically apply, via the one or more processors, the second website custom ranking criteria associated with the prescreened products to perform a second initial ranking;

calculating second expected future rankings for each of the second prescreened products based on one or more of historic traffic data and trending data;

based on the second expected future rankings performing an intermediate second ranking of the second prescreened products;

determining, a highest ranked prescreened product based at least on the intermediate second ranking;

generating and transmitting, to the second website, second web browser data including at least Hypertext Markup Language, that is configured to be rendered by a dynamic interactive website feature corresponding to the second user computing device website to display an interactive user interface;

receiving, from the first user computing device, first user electronic request information and a selection of a links associated with at least one or more additional prescreened products;

accessing, quota data associated with the second prescreened products, wherein the quota data indicates a maximum number of offers associated with each product of the second prescreened products;

determining, based on the quota data that the second product is either (1) not available for offer due to a maximum number of offers having been met for the second product or (2) has limited availability due to a preconfigured threshold of offers having been met for the second product; and

performing, in response to the determination of the quota data, a final second ranking of the second prescreened products, wherein the first product is highest ranked of the second prescreened products.

9 . The method of claim 8 , wherein the time later than the first time period that is associated with expected future rankings is the second time period.

10 . The method of claim 8 , wherein the second product is omitted or removed from the second prescreened products in the fourth ranking.

11 . The method of claim 8 , further comprising:

automatically determining, during the first user session, the geographic location of the first user based at least in part on information received from the first user device.

12 . The method of claim 8 , wherein the electronic graphical user interface is configured to display the second product in a location that indicates that the second product is highest ranked.

13 . The method of claim 8 , wherein the electronic graphical user interface is configured to display two or more products from the second ranking of the first prescreened products.

14 . The method of claim 8 , wherein the attribute values further comprise:

(1) a click-through-rate attribute value indicative of an expected percentage of users that will electronically request the product of a total number of times the product is presented to respective users, and

(2) a bounty attribute value indicative of an amount owed to an entity controlling operations of the first website from which the first user is directed to apply for the product if the first user is provisioned the product, and

(3) a conversion rate attribute value indicative of an expected percentage of users that will be provisioned the product of a total number of times the product is presented.

15 . The method of claim 8 , further comprising:

receiving a first default ranking criteria indicating one or more default attribute weightings for determining a ranking order of products, wherein the first website custom ranking criteria are different than the default ranking criteria; and

applying, the first website custom ranking criteria associated with the prescreened product or the first default ranking criteria to determine a corresponding plurality of weighted attribute values.

16 . A non-transitory computer readable medium storing computer executable instructions thereon, the computer executable instructions when executed cause a system to:

provide, to a first user device associated with a first user, a first user session during a first time period, wherein during the first user session:

access from one or more databases associated with a third-party server, first user characteristics associated with the first user;

access one or more attributes associated with a plurality of products and the first user;

receive from a first website:

a first electronic request for products; and

first website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products;

identify first prescreened products of the plurality of products for which the first user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the first prescreened products are identified at least based on:

prescreen criteria for respective products;

a geographic location of the first user based at least in part on information received from a first user computing device, wherein the geographic location comprises multi-level alphanumeric identifiers associated with the first user; and

the first user characteristics, wherein the first prescreened products include at least a first product and a second product;

for each of the first prescreened products, calculate first weighted attribute values by automatically applying weightings from the first website custom ranking criteria to the one or more attributes;

for each of the plurality of prescreened products, automatically apply the first website custom ranking criteria associated with the prescreened products to determine a corresponding plurality of weighted attribute values;

based on the first weighted attribute values, perform a first initial ranking of the first prescreened products, wherein the first product is ranked higher than the second product in the first initial ranking, and wherein the first initial ranking is determined at a first time;

access, historic traffic data and trending data associated with the prescreened products, wherein the historic traffic data includes prior selections of the prescreened products included in the first initial ranking, wherein the trending data indicates current selections received from a first plurality of simultaneous user sessions of the prescreened products in the first initial ranking;

calculate expected future rankings for each of the first prescreened products based on one or more of: historic traffic data and trending data, wherein the expected future rankings are associated with a time later than the first time period, wherein the historic traffic data includes prior selections of the first prescreened products, and wherein the trending data indicates current selections received from the first plurality of simultaneous user sessions occurring during the first time period of the first prescreened products;

based on the expected future rankings, perform a first final ranking of the first prescreened products, wherein the second product is ranked higher than the first product based at least in part on a determination that the second product is less likely than the first product to be selected later in a same day;

in response to the first electronic request, generate and transmit, to the first website, information regarding the second product; and

in response to receiving an indication of a selection of the second product from the first website, automatically generate and transit, via one or more hardware processors, to the first website, first web browser data including at least Hypertext Markup Language that is configured to be rendered by a dynamic interactive website feature corresponding to the first user website to display an interactive user interface including electronic information associated with the final first ranking, wherein the final first ranking includes a highest ranked prescreened product, and wherein the first website is configured to:

display, via the one or more hardware processors, in the interactive user interface, the highest ranked prescreened product display of an electronic graphical user interface on the first user device configured to allow the first user to apply for the second product; and

provide, to a second user device associated with a second user, a second user session during a second time period, the second time period occurring on a same day as the first time period and after the first time period ends, wherein during the second user session:

access from the one or more databases associated with the third-party server, first user characteristics associated with the first user;

access one or more attributes associated with a plurality of products and the second user;

receive, from a second website:

a second electronic request for products; and

second website custom ranking criteria which includes weightings for the one or more attributes for automatically determining a ranking order of products, the second website custom ranking criteria different than the first website custom ranking criteria;

identify second prescreened products of the plurality of products for which the second user would have a likelihood greater than a threshold value of being approved for provisioning, wherein the second prescreened products include at least the first product and the second product, wherein identification is at least based in part on:

prescreen criteria for respective products;

a geographic location of the second user; and

the second user characteristics, wherein the second prescreened products include at least the first product and the second product;

for each of the plurality of prescreened products, automatically apply, via the one or more processors, the second website custom ranking criteria associated with the prescreened products to perform a second initial ranking;

calculate second expected future rankings for each of the second prescreened products based on one or more of historic traffic data and trending data;

based on the second expected futures rankings perform an intermediate second ranking of the second prescreened products;

receive, from the first user computing device, first user electronic request information and a selection of links associated with at least one or more additional prescreened products;

access quota data associated with the second prescreened products, wherein the quota data indicates a maximum number of offers associated with each product of the second prescreened products;

determine based on the quota data that the second product is either (1) not available for offer due to a maximum number of offers having been met for the second product or (2) has limited availability due to a preconfigured threshold of offers having been met for the second product; and

in response to the determination of the quota data, perform a final second ranking of the second prescreened products, wherein the first product is highest ranked of the second prescreened products.

17 . The non-transitory computer readable medium of claim 16 , wherein the time later than the first time period that is associated with expected future rankings is the second time period.

18 . The non-transitory computer readable medium of claim 16 , wherein the second product is omitted or removed from the second prescreened products in the fourth ranking.

19 . The non-transitory computer readable medium storing computer executable instructions of claim 16 , wherein the attribute values further comprise:

(1) a bounty attribute value indicative of an amount owed to an entity controlling operations of the first website from which the first user is directed to apply for the product if the first user is provisioned the product,

(2) a click-through-rate attribute value indicative of an expected percentage of users that will electronically request the product of a total number of times the product is presented to respective users, and

(3) a conversion rate attribute value indicative of an expected percentage of users that will be provisioned the product of a total number of times the product is presented, and

(4) a click propensity attribute value indicative of a user's propensity to select a specific type of presented link, wherein the first user characteristics include one or more of: historical browsing habits of the first user and a demographic analysis of the first user, wherein the specific type of presented link includes links related to the type of product included in the plurality of products, and wherein the click propensity attribute is based at least in part on a geographic location corresponding to an IP address of the first user.

20 . The non-transitory computer readable medium storing computer executable instructions of claim 16 , wherein the multi-level alphanumeric identifiers associated with the first user correspond to one or more of: residential location of the first user, business location associated with the first user, at least a portion of a municipality of the first user, or a residency of the first user.

Assignments (3)

Continuity (6)

References Cited (400)