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.

Date of Patent:
Aug. 26, 2025

Filed:

Oct. 23, 2023
Applicant:

Capital One Services, Llc, McLean, VA (US);

Inventors:

Sangame Krishnamani, Plano, TX (US);

Tyler Herron, Dallas, TX (US);

Ryan Hennigan, Aubrey, TX (US);

Tanner Thornton, Dallas, TX (US);

Shiju Madathil Samuel, Frisco, TX (US);

Nityan Bhorde, Dallas, TX (US);

Hao Liu, Allen, TX (US);

Assignee:

Capital One Services, LLC, McLean, VA (US);

Attorney:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
H04L 67/50 (2022.01); G06F 9/54 (2006.01); G06F 16/23 (2019.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); G06Q 30/02 (2023.01); H04L 51/21 (2022.01);
U.S. Cl.
CPC ...
H04L 51/21 (2022.05);
Abstract

In some implementations, a device may categorize a set of accounts into a set of messaging segments, wherein each account, of the set of accounts, is associated with one or more messaging segments of the set of messaging segments, and wherein the set of messaging segments are applicable to multiple communication channels. The device may determine, for each messaging segment associated with the account, an account configuration that is based on a content configuration associated with that messaging segment and based on an engagement persona associated with the account. The device may transmit, via one or more communication channels included in the multiple communication channels, one or more communications for the account in accordance with the account configuration.


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