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:
Dec. 19, 2023
Filed:
May. 19, 2020
Capital One Services, Llc, McLean, VA (US);
Benjamin Guild, Walnut, CA (US);
Alan Rozet, New York, NY (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
A computer-implemented method of generating a marketing offer for a user associated with a mobile device may include: receiving first data that includes offers for sale of a product; generating and transmitting a stream of the offers to the mobile device; adding a respective incentive to a corresponding offer in the stream, wherein: a magnitude of the respective incentive is incremented toward a corresponding maximum based on a quantity of users that have redeemed the corresponding offer; and the maximum for the respective incentive is determined based on a first machine learning model configured to optimize a net present value of offers, the first machine learning model being trained using historical data of engagement rates of users for offers with a variety of incentives; receiving historical user information associated with the user; and using a second machine learning model, selecting a particular offer from the stream and transmitting a notification to the mobile device, separate from the stream, that includes the particular offer, the second machine learning model configured to optimize the selection of the particular offer for one or more of a maximum value of the particular offer to the user or a likelihood of engagement of the user with the particular offer, and the second machine learning model being trained using the second data, the first data, and one or more incentives added to offers in the first data.