System and method for monitoring activities in a digital channel

• US 10,664,883 B2
• Filed: 02/08/2016
• Issued: 05/26/2020
• Est. Priority Date: 09/16/2012
• Status: Active Grant

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Babar, Faraz, Muthukrishnan, Sathish B.
• Primary Examiner(s): Levine, Adam L
• Application Number:
  US15/018,239
• Publication Number:
  US 20160155165A1
• Time in Patent Office: 1,569 Days
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/384 using social networks
• CPC Class Codes: G06Q 20/386 using messaging services or messaging apps using mobile network messaging services for payment, e.g. SMS G06Q20/3255
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0609 Buyer or seller confidence or verification

Abstract

The system may be configured to determine, via a verification and monitoring module, identity information for a user in a channel. The system may monitor activity information in the channel. The activity information may be analyzed to determine that the activity information corresponds to an activity associated with the user. The system may also analyze the activity information to determine that the activity information is associated with an item in the channel. The system may identify the item. The system may also initiate, via a transaction processing system, a transaction for the item in response to the analyzing the activity information.

Claims

1. A method, comprising:

causing, by a processor, a secure login request to display within a channel, wherein the channel is a social media public channel accessible over an internet, wherein information about an item is available to all users of the social media public channel;

receiving, by the processor and from the secure login request, identity information for a user in the channel;

validating, by the processor, that the user is associated with a transaction account based on the identity information;

linking, by the processor, the channel, a channel profile of the user and the transaction account of the user;

monitoring, by the processor, activity information in the channel,

wherein the activity information includes at least one of mouse movement or cursor movement;

conducting, by the processor, predictive modeling using the activity information, purchasing likelihood based on a number of visits by the user to the channel, past purchases by the user, and demographic information of the user;

determining, by the processor, that the activity information corresponds to an activity performed by the user;

determining, by the processor, a first location of the cursor movement and a second location of the item in the channel;

determining, by the processor and based on the predictive modeling, the first location and the second location, that the activity information is associated with the item in the channel, regardless of the user selecting the item or adding the item to an online shopping cart;

determining, by the processor, that the activity information includes a predefined indicator that triggers a purchase for the item;

identifying, by the processor, the item; and

initiating, by the processor and via a transaction processing system, a transaction for the purchase of the item.

2. The method of claim 1, wherein the monitoring comprises:

receiving, by the processor, a plurality of broadcasts from the channel;

analyzing, by the processor, a content of the plurality of broadcasts to identify the activity information to create a subset of the plurality of broadcasts having the activity information;

tracking, by the processor, the subset of the plurality of broadcasts with the activity information from within the channel; and

identifying, by the processor, the predefined indicator, wherein the predefined indicator includes codes and the initiating is triggered by the codes.

3. The method of claim 1, further comprising:

requesting, by the processor, confirmation of the item being associated with a request for the transaction; and

receiving, by the processor, the confirmation of the item being associated with the request for the transaction,

wherein the initiating the transaction for the item is in response to the confirmation.

4. The method of claim 1, wherein a verification and monitoring module is configured to collect the identity information of the user from the channel.

5. The method of claim 1, wherein a verification and monitoring module is configured to confirm the identity information of the user from the channel.

6. The method of claim 1, wherein a verification and monitoring module is configured to authenticate the activity information of the user in the channel.

7. The method of claim 1, further comprising triggering, by the processor, the channel to request a review from the user associated with the item that was part of the transaction.

8. The method of claim 1, wherein the activity information corresponds to patterns of at least one of the mouse movement or the cursor movement by the user in the channel.

9. The method of claim 1, wherein the activity information corresponds to at least one of the mouse movement or the cursor movement by the user over the display of the item within the channel.

10. The method of claim 1, wherein the activity information also corresponds to a selection of the item in the channel.

11. The method of claim 1, wherein the initiating the transaction comprises providing purchase instructions for the item.

12. The method of claim 1, wherein the activity information corresponds to at least one of the mouse movement or the cursor movement by the user.

13. The method of claim 1, further comprising providing, by the processor, confirmation of the transaction to the user.

14. The method of claim 1, wherein inventory data for the item is dynamically adjusted based on the activity information.

15. The method of claim 1, further comprising analyzing, by the processor, terms of the transaction for the item.

16. The method of claim 1, further comprising providing, by the processor, an inventory status of the item to the user.

17. The method of claim 1, further comprising providing, by the processor, a previous purchase history of the item to the user.

18. The method of claim 1, further comprising requesting, by the processor, the user to link the transaction account with the channel.

19. A non-transitory computer program product having computer-executable instructions stored thereon that, if executed by a processor, causes the processor to be capable of performing operations comprising:

causing, by the processor, a secure login request to display within a channel, wherein the channel is a social media public channel accessible over an internet, wherein information about an item is available to all users of the social media public channel;

receiving, by the processor and from the secure login request, identity information for a user in the channel;

validating, by the processor, that the user is associated with a transaction account based on the identity information;

linking, by the processor, the channel, a channel profile of the user and the transaction account of the user;

monitoring, by the processor, activity information in the channel,

wherein the activity information includes at least one of mouse movement or cursor movement;

conducting, by the processor, predictive modeling using the activity information, purchasing likelihood based on a number of visits by the user to the channel, past purchases by the user, and demographic information of the user;

determining, by the processor, that the activity information corresponds to an activity performed by the user;

determining, by the processor, a first location of the cursor movement and a second location of the item in the channel;

determining, by the processor and based on the predictive modeling, the first location and the second location, that the activity information is associated with the item in the channel, regardless of the user selecting the item or adding the item to an online shopping cart;

determining, by the processor, that the activity information includes a predefined indicator that triggers a purchase for the item;

identifying, by the processor, the item; and

initiating, by the processor and via a transaction processing system, a transaction for the purchase of the item.

20. A system, comprising:

a processor; and

a non-transitory memory configured to communicate with the processor, the non-transitory memory having instructions stored thereon;

causing, by the processor, a secure login request to display within a channel, wherein the channel is a social media public channel accessible over an internet, wherein information about an item is available to all users of the social media public channel;

receiving, by the processor and from the secure login request, identity information for a user in the channel;

validating, by the processor, that the user is associated with a transaction account based on the identity information;

linking, by the processor, the channel, a channel profile of the user and the transaction account of the user;

monitoring, by the processor, activity information in the channel,

wherein the activity information includes at least one of mouse movement or cursor movement;

conducting, by the processor, predictive modeling using the activity information, purchasing likelihood based on a number of visits by the user to the channel, past purchases by the user, and demographic information of the user;

determining, by the processor, that the activity information corresponds to an activity performed by the user;

determining, by the processor, a first location of the cursor movement and a second location of the item in the channel;

determining, by the processor and based on the predictive modeling, the first location and the second location, that the activity information is associated with the item in the channel, regardless of the user selecting the item or adding the item to an online shopping cart;

determining, by the processor, that the activity information includes a predefined indicator that triggers a purchase for the item;

identifying, by the processor, the item; and

initiating, by the processor and via a transaction processing system, a transaction for the purchase of the item.