System for automatically establishing operative communication channel with third party computing systems for subscription regulation

• US 10,476,974 B2
• Filed: 10/07/2016
• Issued: 11/12/2019
• Est. Priority Date: 10/07/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Jones-McFadden, Alicia C., Kumaraswamy, Suma Nagappa, Hsieh, Matthew, Enscoe, Scott R., Miller, Elizabeth Ann, Salvino, Alicia Anli, Shilov, Daniel, Anderson, Michael, Anand, Raghav
• Primary Examiner(s): Lee, Gil H.
• Assistant Examiner(s): Guzman, Javier O
• Application Number:
  US15/288,826
• Publication Number:
  US 20180103086A1
• Time in Patent Office: 1,131 Days
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04L 67/535 Tracking the activity of the user network monitoring arrangements H04L43/00; recording of computer activity G06F11/34

Abstract

Embodiments of the invention are directed to a system, method, or computer program product for operative communication channel linkage between a user and subscription services for effective and efficient communicate with the third parties associated with the subscriptions. The invention eliminates the storage and processing requirement of a user device and allows a user system to use a single communication channel for communication for a centralized subscription regulation interface for subscription management and communications. The system identifies subscriptions from resource management sources and correlates the subscriptions to the subscription regulation interface for monitoring and trigger analysis based on locational and transactional user extraction.

Claims

1. A system for a subscription regulation operative communication channel, the system comprising:

a memory device with computer-readable program code stored thereon;

a communication device;

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute the computer-readable program code to;

receive authorization from a subscription regulation interface active on a user device via a secure communication portal, wherein the authorization allows access to user resource management source locations;

extract user resource distribution information from the user resource management source locations, wherein the user resource distribution information comprises information about interactions between a user and third parties, wherein the user resource distribution information includes a date, time, and amount of resources provided in payment from the user to the third party;

identify reoccurring user resource distributions and the third parties associated with the distributions;

confirm, via the communication portal, a subscription associated with the reoccurring user resource distributions;

extract a location associated with the reoccurring user resource distributions, wherein the extraction identities the location of the third party and is based on the user authorization received from the subscription regulation interface;

present to the third party providing the subscription requested modifications, wherein the modifications modify terms of the subscription based on user utilization of the subscription;

trigger presentation via the subscription regulation interface of underutilization of subscription based on extracted location data points and resource distribution data;

present the modification for user selection via the subscription regulation interface for the underutilized subscription, wherein the modifications are previously presented to the third party and are selected and determined based on a change in resource requirements for the modification of the underutilizing of the subscription;

and process the user selected modification and terminate the subscription associated with the reoccurring user resource distributions.

2. The system of claim 1, wherein triggering presentation of underutilization of subscription based on extracted location data points and resource distribution data further comprises identifying locations the user traveled and purchases the user made via the extracted location data points and resource distribution data associated with the user to not be associated with the subscription, the third party, or the category of the subscription.

3. The system of claim 1, further comprising triggering a presentation via the subscription regulation interface of one or more subscriptions for renewal, wherein the renewal is presented by the subscription regulation interface upon identification of use of the subscription based at least in part on the extracted location data points and resource distribution data associated with the user to be associated with the subscription, the third party, or the category of the subscription.

4. The system of claim 1, wherein presenting modifications for user selection via the subscription regulation interface to the underutilized subscription further comprise communicating with the third party associated with the underutilized subscription for presenting cancellation options for the underutilized subscription to the user and presenting modifications to the underutilized subscription that reducing the resource requirements for the subscription user, wherein presenting modifications for user selection further comprises presenting competitor subscriptions to the user.

5. The system of claim 1, wherein confirming, via the communication portal, the subscription associated with the reoccurring user resource distributions further comprises identifying a physical location of the third parties associated with the subscription and a category of products and/or services provided via the subscription.

6. The system of claim 1, wherein processing the user selected modification further comprises providing the third party with a generic account number for initial resource distribution to the third party for the modification of the subscription.

7. The system of claim 1, wherein extracting location data points associated with the user device and resource distribution data associated with user resource distribution further comprises identifying locations that the user has traveled and resource distributions associated with product/service purchases the user made and identifying a category of the locations and purchases, wherein the category is compared to a category identified as associated with the subscription and determined to be of the same category of product or service.

8. A computer program product for a subscription regulation operative communication channel, the computer program product comprising at least one non-transitory computer readable medium having computer-readable program code portions embodied therein, the computer-readable program code portions comprising:

an executable portion configured for receiving authorization from a subscription regulation interface active on a user device via a secure communication portal, wherein the authorization allows access to user resource management source locations;

an executable portion configured for extracting user resource distribution information from the user resource management source locations, wherein the user resource distribution information comprises information about interactions between a user and third parties, wherein the user resource distribution information includes a date, time, and amount of resources provided in payment from the user to the third party;

an executable portion configured for identifying reoccurring user resource distributions and the third parties associated with the distributions;

an executable portion configured for confirming, via the communication portal, a subscription associated with the reoccurring user resource distributions;

an executable portion configured for extracting a location associated with the reoccurring user resource distributions, wherein the extraction identifies the location of the third party and is based on the user authorization received from the subscription regulation interface;

an executable portion configured for presenting to the third party providing the subscription requested modifications, wherein the modifications modify terms of the subscription based on user utilization of the subscription;

an executable portion configured for triggering presentation via the subscription regulation interface of underutilization of subscription based on extracted location data points and resource distribution data;

an executable portion configured for presenting the modification for user selection via the subscription regulation interface for the underutilized subscription, wherein the modifications are previously presented to the third party and are selected and determined based on a change in resource requirements for the modification of the underutilizing of the subscription;

and an executable portion configured for processing the user selected modification and terminate the subscription associated with the reoccurring user resource distributions.

9. The computer program product of claim 8, wherein triggering presentation of underutilization of subscription based on extracted location data points and resource distribution data further comprises identifying locations the user traveled and purchases the user made via the extracted location data points and resource distribution data associated with the user to not be associated with the subscription, the third party, or the category of the subscription.

10. The computer program product of claim 8, further comprising an executable portion configured for triggering a presentation via the subscription regulation interface of one or more subscriptions for renewal, wherein the renewal is presented by the subscription regulation interface upon identification of use of the subscription based at least in part on the extracted location data points and resource distribution data associated with the user to be associated with the subscription, the third party, or the category of the subscription.

11. The computer program product of claim 8, wherein presenting modifications for user selection via the subscription regulation interface to the underutilized subscription further comprise communicating with the third party associated with the underutilized subscription for presenting cancellation options for the underutilized subscription to the user and presenting modifications to the underutilized subscription that reducing the resource requirements for the subscription user, wherein presenting modifications for user selection further comprises presenting competitor subscriptions to the user.

12. The computer program product of claim 8, wherein confirming, via the communication portal, the subscription associated with the reoccurring user resource distributions further comprises identifying a physical location of the third parties associated with the subscription and a category of products and/or services provided via the subscription.

13. The computer program product of claim 8, wherein processing the user selected modification further comprises providing the third party with a generic account number for initial resource distribution to the third party for the modification of the subscription.

14. The computer program product of claim 8, wherein extracting location data points associated with the user device and resource distribution data associated with user resource distribution further comprises identifying locations that the user has traveled and resource distributions associated with product/service purchases the user made and identifying a category of the locations and purchases, wherein the category is compared to a category identified as associated with the subscription and determined to be of the same category of product or service.

15. A computer-implemented method for a subscription regulation operative communication channel, the method comprising:

providing a control device and control device housing comprising computing system comprising a computer processing device and a non-transitory computer readable medium, where the computer readable medium comprises configured computer program instruction code, such that when said instruction code is operated by said computer processing device, said computer processing device performs the following operations;

receiving authorization from a subscription regulation interface active on a user device via a secure communication portal, wherein the authorization allows access to user resource management source locations;

extracting user resource distribution information from the user resource management source locations, wherein the user resource distribution information comprises information about interactions between a user and third parties, wherein the user resource distribution information includes a date, time, and amount of resources provided in payment from the user to the third party;

identifying reoccurring user resource distributions and the third parties associated with the distributions;

confirming, via the communication portal, a subscription associated with the reoccurring user resource distributions;

extracting a location associated with the reoccurring user resource distributions, wherein the extraction identifies the location of the third party and is based on the user authorization received from the subscription regulation interface;

presenting to the third party providing the subscription requested modifications, wherein the modifications modify terms of the subscription based on user utilization of the subscription;

triggering presentation via the subscription regulation interface of underutilization of subscription based on extracted location data points and re source distribution data;

presenting the modification for user selection via the subscription regulation interface for the underutilized subscription, wherein the modifications are previously presented to the third party and are selected and determined based on a change in resource requirements for the modification of the underutilizing of the subscription;

and processing the user selected modification and terminate the subscription associated with the reoccurring user resource distributions.

16. The computer-implemented method of claim 15, wherein triggering presentation of underutilization of subscription based on extracted location data points and resource distribution data further comprises identifying locations the user traveled and purchases the user made via the extracted location data points and resource distribution data associated with the user to not be associated with the subscription, the third party, or the category of the subscription.

17. The computer-implemented method of claim 15, further comprising triggering a presentation via the subscription regulation interface of one or more subscriptions for renewal, wherein the renewal is presented by the subscription regulation interface upon identification of use of the subscription based at least in part on the extracted location data points and resource distribution data associated with the user to be associated with the subscription, the third party, or the category of the subscription.

18. The computer-implemented method of claim 15, wherein presenting modifications for user selection via the subscription regulation interface to the underutilized subscription further comprise communicating with the third party associated with the underutilized subscription for presenting cancellation options for the underutilized subscription to the user and presenting modifications to the underutilized subscription that reducing the resource requirements for the subscription user, wherein presenting modifications for user selection further comprises presenting competitor subscriptions to the user.

19. The computer-implemented method of claim 15, wherein confirming, via the communication portal, the subscription associated with the reoccurring user resource distributions further comprises identifying a physical location of the third parties associated with the subscription and a category of products and/or services provided via the subscription.

20. The computer-implemented method of claim 15, wherein extracting location data points associated with the user device and resource distribution data associated with user resource distribution further comprises identifying locations that the user has traveled and resource distributions associated with product/service purchases the user made and identifying a category of the locations and purchases, wherein the category is compared to a category identified as associated with the subscription and determined to be of the same category of product or service.