IP Library › Granted Patent US 12,375,918
Granted Patent B2
US 12,375,918 · App. 18/605,068 · Granted Jul 29, 2025

Geolocation-based notifications using relationships in separate systems

Inventors: Satya Acharya (Cary, NC); Sathiyasuresh Pandian (Cary, NC); Brandon Stone (Bahama, NC); Jason Pedone (Raleigh, NC)
Assignee: Truist Bank
H04W12/069G06T19/006H04W64/003
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Quick Facts
Patent No.
US 12,375,918
App. No.
18/605,068
Granted
Jul 29, 2025
Kind
B2
Abstract

A server can be configured for facilitating notifications about interaction opportunities for users using database relationships of separate types of data from different systems. The server can determine a location of a mobile computing device using geolocation data associated with an application executable on the mobile computing device. The server can determine interaction opportunities (i) for which a user of the mobile computing device qualifies based on financial account interaction data associated with user and criteria associated with the interaction opportunities and (ii) that are associated with locations within a pre-selected distance of the location. Determining the interaction opportunities can include mapping information from an interaction history of a user of the mobile computing device to available interaction opportunities. The server can transmit the interaction opportunities to the mobile computing device for output by the application.

Claims (49)

1. A server comprising:

a processor device; and

a non-transitory, computer-readable memory having computer-executable instructions that are executable by the processor device to cause the server to perform operations comprising:

determining a location of a mobile computing device using geolocation data associated with an application executable on the mobile computing device;

determining, using a trained neural network, one or more interaction opportunities (i) for which a user of the mobile computing device qualifies based on financial account interaction data associated with user and criteria associated with the one or more interaction opportunities and (ii) that are associated with one or more locations within a pre-selected distance of the location, wherein determining the one or more interaction opportunities includes mapping, using the trained neural network, information from an interaction history of a user of the mobile computing device to available interaction opportunities; and

transmitting the one or more interaction opportunities to the mobile computing device for output by the application.

2. The server of claim 1 , wherein the operation of transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device for the application to output a notification, as configured via the application, to the user about the one or more interaction opportunities.

3. The server of claim 1 , wherein the operation of transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device for the application to output an augmented reality interface that includes a representation of an interaction opportunity of the one or more interaction opportunities positionally associated with a view of the location for the interaction opportunity through the augmented reality interface.

4. The server of claim 1 , wherein the operations further comprise:

receiving token data from the application executing on the mobile computing device, the token data comprising the geolocation data of the mobile computing device and identification data of a user;

receiving a set of interaction opportunities based on the geolocation data of the mobile computing device, wherein the one or more interaction opportunities are a subset of the set of interaction opportunities; and

determining, by applying a filter to the set of interaction opportunities, the one or more interaction opportunities based on the identification data of the user, wherein the one or more interaction opportunities are configured to be displayed on the mobile computing device via a mobile computing device notification and via an augmented reality feature.

5. The server of claim 1 , wherein the operations further comprise:

receiving token data from the application executing on the mobile computing device, the token data comprising the geolocation data of the mobile computing device and identification data of a user;

receiving a set of interaction opportunities based on the identification data of the user, wherein the one or more interaction opportunities are a subset of the set of interaction opportunities; and

determining, by applying a filter to the set of interaction opportunities, the one or more interaction opportunities based on the geolocation data of the mobile computing device, wherein the one or more interaction opportunities are configured to be displayed on the mobile computing device via a mobile computing device notification and via an augmented reality feature.

6. The server of claim 1 , wherein the operations further comprise receiving token data from the application via an augmented reality feature of the application, the token data comprising the geolocation data of the mobile computing device and identification data of a user.

7. The server of claim 1 , wherein the operation of transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device as an interactive notification that is configured to launch an augmented reality feature of the application for displaying the one or more interaction opportunities.

8. A method comprising:

determining, by a computing system, a location of a mobile computing device using geolocation data associated with an application executable on the mobile computing device;

determining, by the computing system and by using a trained neural network, one or more interaction opportunities (i) for which a user of the mobile computing device qualifies based on financial account interaction data associated with user and criteria associated with the one or more interaction opportunities and (ii) that are associated with one or more locations within a pre-selected distance of the location, wherein determining the one or more interaction opportunities includes mapping, using the trained neural network, information from an interaction history of a user of the mobile computing device to available interaction opportunities; and

transmitting, by the computing system, the one or more interaction opportunities to the mobile computing device for output by the application.

9. The method of claim 8 , wherein transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device for the application to output a notification, as configured via the application, to the user about the one or more interaction opportunities.

10. The method of claim 8 , wherein transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device for the application to output an augmented reality interface that includes a representation of an interaction opportunity of the one or more interaction opportunities positionally associated with a view of the location for the interaction opportunity through the augmented reality interface.

11. The method of claim 8 , further comprising:

receiving, by the computing system, token data from the application executing on the mobile computing device, the token data comprising the geolocation data of the mobile computing device and identification data of a user;

receiving, by the computing system, a set of interaction opportunities based on the geolocation data of the mobile computing device, wherein the one or more interaction opportunities are a subset of the set of interaction opportunities; and

determining, by the computing system and by applying a filter to the set of interaction opportunities, the one or more interaction opportunities based on the identification data of the user, wherein the one or more interaction opportunities are configured to be displayed on the mobile computing device via a mobile computing device notification and via an augmented reality feature.

12. The method of claim 8 , further comprising:

receiving, by the computing system, token data from the application executing on the mobile computing device, the token data comprising the geolocation data of the mobile computing device and identification data of a user;

receiving, by the computing system, a set of interaction opportunities based on the identification data of the user, wherein the one or more interaction opportunities are a subset of the set of interaction opportunities; and

determining, by the computing system and by applying a filter to the set of interaction opportunities, the one or more interaction opportunities based on the geolocation data of the mobile computing device, wherein the one or more interaction opportunities are configured to be displayed on the mobile computing device via a mobile computing device notification and via an augmented reality feature.

13. The method of claim 8 , further comprising receiving, by the computing system, token data from the application via an augmented reality feature of the application, the token data comprising the geolocation data of the mobile computing device and identification data of a user.

14. The method of claim 8 , wherein transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device as an interactive notification that is configured to launch an augmented reality feature of the application for displaying the one or more interaction opportunities.

15. A non-transitory computer-readable medium comprising instructions that are executable by a processing device for performing operations, the operations comprising:

determining a location of a mobile computing device using geolocation data associated with an application executable on the mobile computing device;

determining, using a trained neural network, one or more interaction opportunities (i) for which a user of the mobile computing device qualifies based on financial account interaction data associated with user and criteria associated with the one or more interaction opportunities and (ii) that are associated with one or more locations within a pre-selected distance of the location, wherein determining the one or more interaction opportunities includes mapping, using the trained neural network, information from an interaction history of a user of the mobile computing device to available interaction opportunities; and

transmitting the one or more interaction opportunities to the mobile computing device for output by the application.

16. The non-transitory computer-readable medium of claim 15 , wherein the operation of transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device for the application to output a notification, as configured via the application, to the user about the one or more interaction opportunities.

17. The non-transitory computer-readable medium of claim 15 , wherein the operation of transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device for the application to output an augmented reality interface that includes a representation of an interaction opportunity of the one or more interaction opportunities positionally associated with a view of the location for the interaction opportunity through the augmented reality interface.

18. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

receiving token data from the application executing on the mobile computing device, the token data comprising the geolocation data of the mobile computing device and identification data of a user;

receiving a set of interaction opportunities based on the geolocation data of the mobile computing device, wherein the one or more interaction opportunities are a subset of the set of interaction opportunities; and

determining, by applying a filter to the set of interaction opportunities, the one or more interaction opportunities based on the identification data of the user, wherein the one or more interaction opportunities are configured to be displayed on the mobile computing device via a mobile computing device notification and via an augmented reality feature.

19. The non-transitory computer-readable medium of claim 15 , wherein the operations further comprise:

receiving token data from the application executing on the mobile computing device, the token data comprising the geolocation data of the mobile computing device and identification data of a user;

receiving a set of interaction opportunities based on the identification data of the user, wherein the one or more interaction opportunities are a subset of the set of interaction opportunities; and

determining, by applying a filter to the set of interaction opportunities, the one or more interaction opportunities based on the geolocation data of the mobile computing device, wherein the one or more interaction opportunities are configured to be displayed on the mobile computing device via a mobile computing device notification and via an augmented reality feature.

20. The non-transitory computer-readable medium of claim 15 , wherein the operation of transmitting the one or more interaction opportunities comprises transmitting the one or more interaction opportunities to the mobile computing device as an interactive notification that is configured to launch an augmented reality feature of the application for displaying the one or more interaction opportunities.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 18, 2025
From: ACHARYA, SATYA; PANDIAN, SATHIYASURESH; STONE, BRANDON; PEDONE, JASON
To: TRUIST BANK
Reel/Frame 070539/0505 →
Continuity (3)
Continuation 17524077 · Nov 11, 2021
Provisional Application 63118114 · Nov 25, 2020
Related Publication 20240224033A1 · Jul 4, 2024
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