GLOBAL CONDUCT SCORE AND ATTRIBUTE DATA UTILIZATION PERTAINING TO COMMERCIAL TRANSACTIONS AND PAGE VIEWS
First Claim
1. A method comprising:
- receiving, from a first member, attribute data about a network of users, each user of the network of users having conducted a prior transaction with the first member, the network of users identified based on page views of the network of users at a first website;
comparing, using one or more processors, the attribute data about the network of users to a predefined threshold of a second member;
based on a request to transact with the second member from a first user of the network of users, providing an alert instructing the second member to grant a modified contractual term to the first user.
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Abstract
In one embodiment, a system and method is illustrated as including generating a model using at least one of a global conduct score and attribute data. A range of numeric values may be retrieved, based upon which, a better term is granted in a transaction than would otherwise be granted in the transaction. A comparison may be made between the model and the range of numeric values. Further, a better term may be granted in the transaction where the model falls within the range of numeric values. The global conduct score is computed using an approach including at least one of a feed score approach, and a composite score approach. The attribute data includes page view data, click through data, account usage data, and good purchased data. The model includes a global conduct score model, a weighting model, an AI based model, and an associated network based model.
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Citations
20 Claims
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1. A method comprising:
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receiving, from a first member, attribute data about a network of users, each user of the network of users having conducted a prior transaction with the first member, the network of users identified based on page views of the network of users at a first website; comparing, using one or more processors, the attribute data about the network of users to a predefined threshold of a second member; based on a request to transact with the second member from a first user of the network of users, providing an alert instructing the second member to grant a modified contractual term to the first user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. A system comprising:
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a receiver to receive, from a first member, attribute data about a network of users, each user of the network of users having conducted a prior transaction with the first member, the network of users identified based on page views of the network of users at a first website; a comparison engine to compare, using one or more processors, the attribute data about the network of users to a predefined threshold of a second member; a transmitter to, based on a request to transact with the second member from a first user of the network of users, provide an alert instructing the second member to grant a modified contractual term to the first user. - View Dependent Claims (15, 16, 17, 18, 19)
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20. A non-transitory computer readable medium having instructions embodied thereon, the instructions executable by one or more processors to perform operations comprising:
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receiving, from a first member, attribute data about a network of users, each user of the network of users having conducted a prior transaction with the first member, the network of users identified based on page views of the network of users at a first website; comparing the attribute data about the network of users to a predefined threshold of a second member; based on a request to transact with the second member from a first user of the network of users, providing an alert instructing the second member to grant a modified contractual term to the first user.
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Specification