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:
Aug. 29, 2023
Filed:
May. 20, 2020
Capital One Services, Llc, McLean, VA (US);
Kaylyn S. Gibilterra, New York, NY (US);
Steven Quadros, New York, NY (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
A system and method of generating directed advertisements is disclosed herein. A computing system identifies a baseline history of customer spending for one or more merchant category codes. The computing system generates a time series algorithm for each merchant category code of the one or more merchant category codes. The time series algorithm is based on the baseline history. The computing system receives a stream of transactions associated with a user. The computing system inputs the stream of user data into the time series algorithm. The computing system receives, as output, an anticipated purchase window for the user with respect to each merchant category code of the one or more merchant category codes. The anticipated purchase window includes an anticipated date of next purchase and anticipated purchase amount. The computing system directs advertisements to the user in accordance with each respective anticipated purchase window.