RANKING COMMERCIAL OFFERS BASED ON USER FINANCIAL DATA
First Claim
1. A method for ranking commercial offers for a user in a set of users, comprising:
- receiving a commercial offer for the set of users;
receiving financial data for the set of users, wherein the financial data includes spending data for the set of users across a set of categories;
for a given user in the set of users;
computing an individual-strength vector based on the financial data specific to the given user, wherein each entry in the individual-strength vector represents an amount of spending in a respective category for the given user; and
computing a relative-strength vector based on the financial data for the set of users, wherein the relative-strength vector represents a relative-spending-strength across the set of categories for the given user relative to the set of users; and
computing a ranking score of the commercial offer for a user in the set of users based on both the set of individual-strength vectors and the set of relative-strength vectors for the set of users, wherein computing the ranking score involves computing a set of differences in spending strength between the user and each of the set of users.
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Abstract
One embodiment of the present invention provides a system that ranks commercial offers for a user in a set of users. During operation, the system receives financial data for the set of users, wherein the financial data includes spending data for the set of users across a set of categories. Next, for a given user, the system computes an individual-strength vector based on financial data specific to the given user, wherein each entry in the individual-strength vector represents an amount of spending in a respective category for the given user. The system additionally computes a relative-strength vector for the given user based on the financial data for the set of users, wherein the relative-strength vector represents a relative-spending strength across the set of categories for the given user relative to the set of users. The system then ranks the commercial offers for a user based on both the set of individual-strength vectors and the set of relative-strength vectors for the set of users.
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Citations
29 Claims
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1. A method for ranking commercial offers for a user in a set of users, comprising:
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receiving a commercial offer for the set of users; receiving financial data for the set of users, wherein the financial data includes spending data for the set of users across a set of categories; for a given user in the set of users; computing an individual-strength vector based on the financial data specific to the given user, wherein each entry in the individual-strength vector represents an amount of spending in a respective category for the given user; and computing a relative-strength vector based on the financial data for the set of users, wherein the relative-strength vector represents a relative-spending-strength across the set of categories for the given user relative to the set of users; and computing a ranking score of the commercial offer for a user in the set of users based on both the set of individual-strength vectors and the set of relative-strength vectors for the set of users, wherein computing the ranking score involves computing a set of differences in spending strength between the user and each of the set of users. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A computer-readable storage medium storing instructions that when executed by a computer cause the computer to perform a method for ranking commercial offers for a user in a set of users, the method comprising:
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receiving a commercial offer for the set of users; receiving financial data for the set of users, wherein the financial data includes spending data for the set of users across a set of categories; for a given user in the set of users; computing an individual-strength vector based on the financial data specific to the given user, wherein each entry in the individual-strength vector represents an amount of spending in a respective category for the given user; and computing a relative-strength vector based on the financial data for the set of users, wherein the relative-strength vector represents a relative-spending-strength across the set of categories for the given user relative to the set of users; and computing a ranking score of the commercial offer for a user in the set of users based on both the set of individual-strength vectors and the set of relative-strength vectors for the set of users, wherein computing the ranking score involves computing a set of differences in spending strength between the user and each of the set of users. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28)
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29. A system that ranks commercial offers for a user in a set of users, comprising:
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a receiving mechanism configured to; receive a commercial offer for the set of users; and receive financial data for the set of users, wherein the financial data includes spending data for the set of users across a set of categories; a computing mechanism configured to compute for a given user in the set of users; an individual-strength vector based on the financial data specific to the given user, wherein each entry in the individual-strength vector represents an amount of spending in a respective category for the given user; and a relative-strength vector based on the financial data for the set of users, wherein the relative-strength vector represents a relative-spending-strength across the set of categories for the given user relative to the set of users; and where the computing mechanism is further configured to compute a ranking score of a commercial offer for a user in the set of users based on both the set of individual-strength vectors and the set of relative-strength vectors for the set of users, wherein computing the ranking score involves computing a set of differences in spending strength between the user and each of the set of users.
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Specification