IP Library › Granted Patent US 12,093,266
Granted Patent B2
US 12,093,266 · App. 17/820,051 · Granted Sep 17, 2024

Machine learning model for recommending interaction parties

Inventors: Dwipam Katariya (McLean, VA); Muhammad Uddin (San Bernardino, CA); Tania Cruz Morales (Washington, DC); Julian Duque (Arlington, VA); Kimberly Stockley (Washington, DC)
Assignee: Capital One Services, LLC
G06F16/24575G06F16/2477
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Quick Facts
Patent No.
US 12,093,266
App. No.
17/820,051
Granted
Sep 17, 2024
Kind
B2
Abstract

In some implementations, a system may receive interaction data associated with interactions between a user and subsets of a plurality of interaction parties. The system may store the interaction data and the as historical interaction data associated with historical interactions of the user. The system may provide the historical interaction data as input to a machine learning model, which may be trained using supervised learning and the historical interactions of the user or historical interactions of one or more other users with one or more of the plurality of interaction parties. The system may receive an output, based on applying the machine learning model to the historical interaction data, that may indicate one or more recommended interaction parties based at least in part on one or more factors, wherein the one or more recommended parties may be local entities local to a geographic location associated with the user.

Claims (58)

1. A system for recommending interaction parties, the system comprising:

one or more memories; and

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

receive user device interaction data associated with user device interactions between a user and a first subset of a plurality of interaction parties via a user device;

receive, from interaction party devices of a second subset of the plurality of interaction parties, interaction party device interaction data associated with interaction party device interactions between the user and the second subset of the plurality of interaction parties;

store, on a database, the user device interaction data and the interaction party device interaction data as historical interaction data associated with historical interactions of the user, wherein the historical interactions include the user device interactions and the interaction party device interactions;

provide the historical interaction data as input to a machine learning model, wherein the machine learning model is trained using supervised learning and the historical interactions of the user or historical interactions of one or more other users with one or more of the plurality of interaction parties;

receive an output, based on applying the machine learning model to the historical interaction data, that indicates one or more recommended interaction parties that are local entities to a geographic location associated with the user,

wherein the one or more recommended interaction parties are local entities to the geographic location based on having at least one location within a distance threshold of the geographic location and based on:

a quantity of locations of the one or more recommended interaction parties being less than a threshold, or

a revenue of the one or more recommended interaction parties, over a timeframe, being less than a threshold; and

transmit, to the user device, data indicating the one or more recommended interaction parties.

2. The system of claim 1 , wherein the machine learning model is further trained using unsupervised learning to determine a cluster of users to which the user belongs, the cluster of users being based on at least one of:

demographic information of the users;

socioeconomic statuses of the users; or

historical interaction data of the users, wherein the historical interactions used to train the machine learning model are based on the cluster of users.

3. The system of claim 1 , wherein the historical interactions of the user and of the one or more other users are associated with timestamps, wherein one factor, of the one or more factors, includes a current time of day, and

wherein a timestamp, of the timestamps, associated with a particular historical interaction, of the historical interactions, is within a time threshold of the current time of day.

4. The system of claim 1 , wherein the geographic location associated with the user is a current geographic location or an expected geographic location associated with the user based on historical interactions of the user that occurred within a date threshold from a current date.

5. The system of claim 1 , wherein the historical interactions of the user and of the one or more other users are associated with interaction amounts, and

wherein the one or more recommended interaction parties are based at least in part on the interaction amounts associated with the historical interactions of the user or the historical interactions of the one or more other users.

6. The system of claim 1 , wherein the plurality of interaction parties are associated with one or more interaction party types, and

wherein the one or more recommended interaction parties are based at least in part on one or more interaction party types associated with the first subset of interaction parties or the second subset of interaction parties.

7. The system of claim 1 , wherein one or more interactions, of the historical interactions of the user and of the one or more other users, are associated with one or more interaction item types, and

wherein the one or more recommended interaction parties are based at least in part on interaction item types of one or more historical interactions of the user.

8. The system of claim 1 , wherein the one or more processors are further configured to:

determine one or more preferences of the user based at least in part on the historical interactions of the user or user information associated with the user, wherein the one or more recommended interaction parties are based at least in part on the one or more preferences of the user.

9. The system of claim 1 , wherein the one or more processors are further configured to:

receive, from the user device, feedback regarding the one or more recommended interaction parties; and

retrain the machine learning model based on the feedback.

10. A method of recommending interaction parties, comprising:

accessing, from a database and by a system that includes at least one processor, records of historical interactions of a user with a plurality of interaction parties, wherein the historical interactions include interactions performed via a user device of the user and interactions performed via interaction party devices of at least a subset of the plurality of interaction parties;

determining, by the system, one or more recommended interaction parties based at least in part on one or more factors, wherein the one or more recommended interaction parties have one or more commonalities with one or more of the plurality of interaction parties,

wherein the one or more recommended interaction parties are local entities that are local to a geographic location associated with the user based on having at least one location within a distance threshold of the geographic location and based on:

a quantity of locations of the one or more recommended interaction parties being less than a threshold, or

a revenue of the one or more recommended interaction parties, over a timeframe, being less than a threshold; and

transmitting, by the system and to the user device, data indicating the one or more recommended interaction parties.

11. The method of claim 10 , wherein determining the one or more recommended interaction parties comprises:

using a machine learning model, which was trained to determine a recommended interaction party based on historical training data, to determine the one or more recommended interaction parties based on the one or more factors related to the user or the user device; and

updating the machine learning model based on feedback data received from the user device.

12. The method of claim 10 , wherein the one or more commonalities include average interaction currency amounts of the one or more recommended interaction parties that are within an amount threshold of average interaction currency amounts of the one or more of the plurality of interaction parties.

13. The method of claim 10 , wherein the one or more commonalities include one or more interaction party types of the one or more recommended interaction parties that are the same as one or more interaction party types of the one or more of the plurality of interaction parties.

14. The method of claim 10 , wherein the one or more commonalities include one or more interaction item types associated with the one or more recommended interaction parties that are the same as one or more interaction item types associated with one or more of the historical interactions of the user.

15. The method of claim 10 , wherein the geographic location associated with the user is a current geographic location or an expected geographic location associated with the user based on historical interactions of the user that occurred within a date threshold from a current date.

16. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:

one or more instructions that, when executed by one or more processors of a device, cause the device to:

access, from a database, records of historical interactions of a plurality of users with a plurality of interaction parties, wherein the historical interactions include interactions performed via user devices of the plurality of users and interactions performed via interaction party devices of at least a subset of the plurality of interaction parties;

determine one or more recommended interaction parties based at least in part on one or more factors, wherein the one or more recommended interaction parties have one or more commonalities with one or more of the plurality of interaction parties with respect to the historical interactions, and

wherein the one or more recommended interaction parties are local entities that are local to a geographic location, associated with a target user of the plurality of users, based on having at least one location within a distance threshold of the geographic location and based on:

a quantity of locations of the one or more recommended interaction parties being less than a threshold, or

a revenue of the one or more recommended interaction parties, over a timeframe, being less than a threshold; and

transmit, to a user device of the target user, data indicating the one or more recommended interaction parties.

17. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, that cause the device to determine the one or more recommended interaction parties, cause the device to:

use a machine learning model, which was trained to determine a recommended interaction party based on historical training data, to determine the one or more recommended interaction parties based on the one or more factors related to the target user or the user device of the target user; and

update the machine learning model based on feedback data received from the user device of the target user.

18. The non-transitory computer-readable medium of claim 16 , wherein the one or more commonalities include average interaction currency amounts of the one or more recommended interaction parties that are within an amount threshold of average interaction currency amounts of the one or more of the plurality of interaction parties.

19. The non-transitory computer-readable medium of claim 16 , wherein the one or more commonalities include one or more interaction party types of the one or more recommended interaction parties that are the same as one or more interaction party types of the one or more of the plurality of interaction parties.

20. The non-transitory computer-readable medium of claim 16 , wherein the one or more commonalities include one or more interaction item types associated with the one or more recommended interaction parties that are the same as one or more interaction item types associated with one or more of the historical interactions of the plurality of users.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 16, 2022
From: KATARIYA, DWIPAM; UDDIN, MUHAMMAD; CRUZ MORALES, TANIA; DUQUE, JULIAN; STOCKLEY, KIMBERLY
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 060825/0129 →
Continuity (1)
Related Publication 20240061845A1 · Feb 22, 2024
Cited By (1)
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