IP Library › Granted Patent US 11,757,622
Granted Patent B2
US 11,757,622 · App. 17/451,719 · Granted Sep 12, 2023

Determining a change to product information or user information via hashing

Inventors: Qiaochu Tang (McLean, VA); Micah Price (McLean, VA); Stephen Wylie (McLean, VA); Geoffrey Dagley (McLean, VA); Jason Hoover (McLean, VA)
Assignee: Capital One Services, LLC
H04L9/0643G06N20/00G06Q30/0627H04L67/306
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Quick Facts
Patent No.
US 11,757,622
App. No.
17/451,719
Granted
Sep 12, 2023
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 (69)

1. A method, comprising:

obtaining, by a server device, first information concerning user information regarding a user interested in a product, wherein the user information includes information used to determine a price of the product;

generating, by the server device, a first hash value based on the first information;

generating a first bit-string that includes the first hash value;

obtaining, by the server device and after obtaining the first information, second information concerning the user information;

generating, by the server device, a second hash value based on the second information;

generating a second bit-string that includes the second hash value;

determining, by the server device, a change in the user information based on a comparison of the first bit string and the second bit string; and

causing, by the server device, display information indicating a change in the price of the product by a user device based on the change in the user information.

2. The method of claim 1 , where obtaining the first information concerning the user information comprises:

sending a signal to a server associated with a financial institution that provides financial services to the user.

3. The method of claim 1 , wherein the first bit-string includes the first hash value and a first unhashed value and the second bit-string includes the second hash value and a second unhashed value.

4. The method of claim 1 , further comprising:

receiving a message; and

parsing the message to identify the product and the user.

5. The method of claim 1 , wherein the user information includes one or more of:

financial-related information of the user,

salary information of the user,

an employment status of the user,

a bankruptcy status of the user,

a credit score of the user, or

credit history information of the user.

6. The method of claim 1 , wherein generating the first hash value based on the first information comprises:

generating the first hash value using:

a Jenkins hash function, a Pearson hashing function, a Bernstein hashing function, a Fowler-Noll-Vo hashing function, or

a Zobrist hashing function.

7. The method of claim 1 , wherein the first bit-string that includes the first hashed value based on user credit history information.

8. A device, comprising:

one or more memories; and

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

obtain first information concerning user information regarding a user interested in a product, wherein the user information includes information that is relevant to determining a price of the product;

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

obtain, after obtaining the first information, second information concerning the user information;

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

determine a change in the user information based on a comparison of the first bit-string and the second bit-string; and

provide a change in the price of the product to a user device based on the change in the user information.

9. The device of claim 8 , wherein the one or more processors, when obtaining the second information, are configured to:

obtain the second information based on a triggering event.

10. The device of claim 7 , wherein the one or more processors, when obtaining the first information concerning the user information, are configured to:

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

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

obtain a message to identify the product and identify the user.

12. The device of claim 8 , wherein the user information includes one or more of:

salary information of the user,

an employment status of the user,

a bankruptcy status of the user,

a credit score of the user, or

credit history information of the user.

13. The device of claim 8 , wherein the one or more processors, when obtaining the second information concerning the user information, are configured to:

obtain updated user information associated with a marriage status of the user.

14. The device of claim 8 , wherein the first bit-string that includes the first hashed value based on user credit history information.

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:

determine a product of interest to a user;

obtain first information concerning user information regarding the user, wherein the user information includes information used to determine a price of the product;

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

obtain, after obtaining the first information, second information concerning the user information;

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

determine a change in the user information based on a comparison of the first bit-string and the second bit-string; and

provide a change in the price of the product to a user device based on the change in the user information.

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

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

17. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the one or more processors to determine the product of interest to the user, cause the one or more processors to:

parse a message to identify the product and identify the user.

18. The non-transitory computer-readable medium of claim 15 , wherein the one or more instructions, that cause the one or more processors to determine the product of interest to the user, cause the one or more processors to:

receive a message identifying the product and the user.

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

purchase the product based on the change in price of product.

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

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 21, 2021
From: TANG, QIAOCHU; PRICE, MICAH; WYLIE, STEPHEN; DAGLEY, GEOFFREY; HOOVER, JASON
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 057867/0001 →
Continuity (3)
Continuation 16541905 · Aug 15, 2019
Continuation 16287182 · Feb 27, 2019
Related Publication 20220045847A1 · Feb 10, 2022