The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 12, 2021
Filed:
Apr. 27, 2017
State Farm Mutual Automobile Insurance Company, Bloomington, IL (US);
Elizabeth Flowers, Bloomington, IL (US);
Puneit Dua, Bloomington, IL (US);
Alan Zwilling, Downs, IL (US);
Adam Mattingly, Normal, IL (US);
Melissa Attig, Bloomington, IL (US);
Reena Batra, Alpharetta, GA (US);
State Farm Mutual Automobile Insurance Company, Bloomington, IL (US);
Abstract
Techniques are disclosed utilizing cognitive computing to improve banking experiences. A user's financial account(s) and location may be monitored to predict when a user is near a retail store and the user has not used a particular account in a predetermined amount of time. The techniques disclosed include receiving a location for a user's mobile device, and determining when the mobile device is within a predetermined threshold distance of a retail store. The techniques include building a shopping profile for the user based upon shopping habits for the user. The shopping profile may be used to determine what commercial communications should be transmitted to the user to encourage them to utilize an inactive account to make a purchase at the retail store when the user is within the threshold distance of the retail store.