System and method for generating enhanced distributed online registry

• US 10,284,541 B1
• Filed: 07/09/2018
• Issued: 05/07/2019
• Est. Priority Date: 07/09/2018
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Subramanian, Ponnazhakan, Chikkaveerappa, Satish, Mathews, Liju
• Primary Examiner(s): Abrishamkar, Kaveh
• Application Number:
  US16/030,048
• Time in Patent Office: 302 Days
• Field of Search: None
• CPC Class Codes: G06N 20/00 Machine learning
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46
• CPC Class Codes: H04L 67/1095 Replication or mirroring of data, e.g. scheduling or transport for data synchronisation between network nodes
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/52 specially adapted for the location of the user terminal
• CPC Class Codes: H04L 67/55 Push-based network services
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/63 Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 12/64 using geofenced areas
• CPC Class Codes: H04W 64/00 Locating users or terminals or network equipment for network management purposes, e.g. mobility management
• CPC Class Codes: H04W 76/10 Connection setup

Abstract

A system for generating an enhanced distributed online registry that utilizes an interoperable framework, and machine learning and natural language processing technologies to automatically provide compatible registry items. A persistent secure connection across distributed systems facilitates automatic synchronization of the generated online registry items across the distributed systems and devices accessing those systems. The online registry application processor utilizes machine learning and natural language technologies to generate an acquisition trending model which may be utilized to generate an enhanced distributed online registry that may determine and provide registry items that are compatible with the customer acquisition. Utilizing a persistent bi-directional connection, the online registry application processor may automatically synchronize the enhanced distributed online registry in real time as registry items are added and purchased.

Claims

1. A system for generating an enhanced distributed online registry, comprising:

a data storage containing customer identification information, customer financial information, and one or more customer acquisition preferences; and

an online registry application processor that;

receives from an acquisition server configured to provide real-time acquisition determinations, an acquisition request approval including at least customer identification information, customer financial information, and one or more customer acquisition preferences retrieved from the data storage;

evaluates parameters associated with an acquisition to retrieve information from third party systems and clusters the customer identification information, the customer financial information, and the customer acquisition preferences with respect to the information from the third party systems to generate an acquisition trending model based on trending of the parameters associated with the acquisition;

generates an enhanced distributed online registry utilizing the acquisition trending model, wherein the enhanced distributed online registry determines and provides registry items that are compatible with the customer acquisition and the customer acquisition preferences based on the trending of the parameters associated with the acquisition;

transmits via a communication interface, a push notification to a user device, wherein the push notification includes data indicative of the enhanced distributed online registry; and

simultaneously evaluates location-based notifications received from the user device and notifications from a rewards system associated with the user device to determine and transmit an alert to the user device in real-time indicating the location of a nearest vendor of an associated registry item and/or an identification of a vendor of an associated registry item where the user device may be utilized to redeem rewards for the identified vendor;

wherein the data storage stores the generated acquisition trending model.

2. The system of claim 1, further comprising an authentication processor connected to the online registry application processor that receives user data and user input associated with an authentication request, sent from the user device via the communication interface, to authenticate the user, wherein upon authentication of the user based on evaluation of the user data and user input, the system transmits a secure link to the user device that provides access to the enhanced distributed online registry.

3. The system of claim 2, wherein the authentication processor confirms the location of the user device over a wireless connection by evaluating a unique user ID-secure link token pair.

4. The system of claim 1, wherein the online registry application processor establishes a secure communication interface with a third party social networking system configured to share a secure link that provides access to the enhanced distributed online registry.

5. The system of claim 1, further comprising an authentication processor connected to the online registry application processor, wherein the authentication processor establishes a secure communication interface with a third party social networking system, and evaluates security permissions associated with a user'"'"'s social networking profile, to evaluate whether to share a secure link that provides access to the enhanced distributed online registry.

6. The system of claim 1, wherein the online registry application processor receives recommended registry items from the user device and automatically updates the enhanced distributed online registry with the received recommended registry items.

7. The system of claim 1, wherein the online registry application processor automatically synchronizes the enhanced distributed online registry in real time as registry items are added and purchased.

8. The system of claim 7, wherein the online registry processor transmits alerts, via push notifications, to the user device associated with automatic synchronizations of the enhanced distributed online registry in real time.

9. The system of claim 1, wherein upon detecting that the user device is within a proximity of a particular merchant associated with the enhanced distributed online registry, the authentication server, transmits via the communication interface, an alert providing a secure link to access the enhanced distributed online registry.

10. The system of claim 1, wherein the online registry application processor receives from a rewards system a notification that the user has earned or redeemed rewards for a particular merchant associated with the enhanced distributed online registry.

11. The system of claim 10, wherein upon receiving from the rewards system a notification that the user has earned or redeemed rewards for a particular merchant associated with the enhanced distributed online registry, the online registry processor transmits via the communication interface, an alert providing a secure link to access the enhanced distributed online registry.

12. A method for generating an enhanced distributed online registry, comprising:

receiving from an acquisition server an acquisition request approval including at least customer identification information, customer financial information, and one or more customer acquisition preferences;

utilizing machine learning and natural language processing to evaluate parameters associated with an acquisition by processing and clustering the customer identification information, the customer financial information, and the customer acquisition preferences with respect to the information from third party systems to generate an acquisition trending model based on trending of the parameters associated with the acquisition;

storing the generated acquisition trending model in a data storage;

automatically generating an enhanced distributed online registry utilizing the acquisition trending model, that automatically determines and provides registry items that are compatible with the customer acquisition and the customer acquisition preferences based on the trending of the parameters associated with the acquisition;

receiving an authentication request, from a user device via a network, to authenticate the user;

transmitting a secure link to the user device that provides access to the enhanced distributed online registry upon authenticating the user; and

simultaneously evaluating location-based notifications received from the user device and notifications from a rewards system associated with the user device to determine and transmit an alert to the user device in real-time indicating the location of a nearest vendor of an associated registry item and/or an identification of a vendor of an associated registry item where the user device may be utilized to redeem rewards for the identified vendor.

13. The method claim 12, further comprising confirming the location of the user device over a wireless connection by evaluating a unique user ID-secure link token pair.

14. The method of claim 12, further comprising establishing a secure communication interface with a third party social networking system to provide access to the enhanced distributed online registry.

15. The method claim 12, further comprising automatically updating the enhanced distributed online registry based on recommended registry items from the user device.

16. The method of claim 15, further comprising transmitting alerts to the user device associated with updates to the enhanced distributed online registry in real time.

17. The method of claim 12, wherein upon receiving a notification that the user device is within a proximity of a particular merchant associated with the enhanced distributed online registry, transmitting an alert providing a secure link to access the enhanced distributed online registry.

18. The method of claim 12, further comprising receiving from a third party rewards system a notification that the user has earned or redeemed rewards for a particular merchant associated with the enhanced distributed online registry.

19. The method of claim 18, further comprising transmitting via the an alert to the user device providing a secure link to access the enhanced distributed online registry upon receiving from the third party rewards system a notification that the user has earned or redeemed rewards for a particular merchant associated with the enhanced distributed online registry.

20. A system, comprising:

a first processor that receives from an acquisition server via an Application Programming Interface (API) configured to provide real-time acquisition determinations, an acquisition request approval including at least customer identification information, customer financial information, and one or more customer acquisition preferences; and

a second processor that evaluates parameters associated with an acquisition, retrieves information from third party systems and clusters the customer identification information, the customer financial information, and the customer acquisition preferences with respect to the information from the third party systems to generate an acquisition trending model based on the trending of the parameters associated with the acquisition, wherein a data storage stores the generated acquisition trending model;

wherein the first processor generates an enhanced distributed online registry utilizing the acquisition trending model, wherein the enhanced distributed online registry determines and provides registry items that are compatible with the customer acquisition and the customer acquisition preferences based on the trending of the parameters associated with the acquisition;

transmits, via a communication interface, a secure link to a user device that provides access to the enhanced distributed online registry;

transmits notifications to the user device simultaneously as registry items are added and purchased; and

simultaneously evaluates location-based notifications received from the user device and notifications from a rewards system associated with the user device to determine and transmit an alert to the user device in real-time indicating the location of a nearest vendor of an associated registry item and/or an identification of a vendor of an associated registry item where the user device may be utilized to redeem rewards for the identified vendor.