SYSTEMS AND METHODS FOR CONTEXTUAL SERVICES USING VOICE PERSONAL ASSISTANTS

• US 20170330215A1
• Filed: 08/15/2016
• Published: 11/16/2017
• Est. Priority Date: 05/13/2016
• 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: Bruno, John, Durvasula, Sastry VSM, Muthukrishnan, Sathish, Narsipur, Keshav, Basheerahammed, Sibish Neelikattil
• Granted Patent: US 10,515,384 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 30/0239 Online discounts or incentives
• CPC Class Codes: G06Q 30/0256 User search
• CPC Class Codes: H04L 63/08 for authentication of entities cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32
• CPC Class Codes: H04L 63/102 Entity profiles

Abstract

A system may store a first merchant identifier in response to a registration of a first merchant and a user identifier in response to a registration of a user. The system may also store an access permission to control access by the first merchant to a first context. The access permission may be configured for retrieval by a query including at least one of the user identifier or the first merchant identifier. A user may access the system using a voice personal assistant. The system may authenticate the user based on spoken input to the voice personal assistant. The system may return the first context in response to a first application programming interface (API) call and in response to the access permission authorizing access to the first context. The system may facilitate transactions using a voice personal assistant.

Claims

1. A method comprising:

authenticating, by a contextual services management system and based on a user voice input to a voice personal assistant, user credentials;

providing, by the contextual services management system, user contextual information to a plurality of merchants;

requesting, by the contextual services management system, a merchant offer from the plurality of merchants; and

transmitting, by the contextual services management system, a first offer from a first merchant in the plurality of merchants to the voice personal assistant, wherein the voice personal assistant broadcasts the first offer.

2. The method of claim 1, further comprising transmitting, by the contextual services management system, a second offer from the first merchant to the voice personal assistant, wherein the first merchant selects the second offer based on the user contextual information.

3. The method of claim 1, further comprising transmitting, by the contextual services management system, transaction account information to the first merchant in response to the user accepting the first offer.

4. The method of claim 1, further comprising:

determining, by the contextual services management system, that the user is using a vehicle internet enabled device; and

transmitting, by the contextual services management system, instructions to the vehicle internet enabled device to provide directions to the first merchant.

5. The method of claim 4, further comprising detecting, using a BLE beacon, a mobile device of the user in a location of the first merchant.

6. The method of claim 5, further comprising transmitting, by the contextual services management system, a second offer from the first merchant to the mobile device of the user.

7. The method of claim 1, further comprising providing, by the contextual services management system, a recommendation to the user to defer a purchase based on historical transaction account information to preserve cash flow.

8. A computer-based system, comprising:

a processor;

a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising;

authenticating, by the processor and based on a user voice input to a voice personal assistant, user credentials;

providing, by the processor, user contextual information to a plurality of merchants;

requesting, by the processor, a merchant offer from the plurality of merchants; and

transmitting, by the processor, a first offer from a first merchant in the plurality of merchants to the voice personal assistant, wherein the voice personal assistant broadcasts the first offer.

9. The system of claim 8, further comprising transmitting, by the processor, a second offer from the first merchant to the voice personal assistant, wherein the first merchant selects the second offer based on the user contextual information.

10. The system of claim 8, further comprising transmitting, by the processor, transaction account information to the first merchant in response to the user accepting the first offer.

11. The system of claim 8, further comprising:

determining, by the processor, that the user is using a vehicle interne enabled device; and

transmitting, by the processor, instructions to the vehicle internet enabled device to provide directions to the first merchant.

12. The system of claim 11, further comprising detecting, using a BLE beacon, a mobile device of the user in a location of the first merchant.

13. The system of claim 12, further comprising transmitting, by the processor, a second offer from the first merchant to the mobile device of the user.

14. The system of claim 8, further comprising providing, by the processor, a recommendation to the user to defer a purchase based on historical transaction account information.

15. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system, cause the computer-based system to perform operations comprising:

authenticating, by the computer-based system and based on a user voice input to a voice personal assistant, user credentials;

providing, by the computer-based system, user contextual information to a plurality of merchants;

requesting, by the computer-based system, a merchant offer from the plurality of merchants; and

transmitting, by the computer-based system, a first offer from a first merchant in the plurality of merchants to the voice personal assistant, wherein the voice personal assistant broadcasts the first offer.

16. The article of manufacture of claim 15, further comprising transmitting, by the computer-based system, a second offer from the first merchant to the voice personal assistant, wherein the first merchant selects the second offer based on the user contextual information.

17. The article of manufacture of claim 15, further comprising transmitting, by the computer-based system, transaction account information to the first merchant in response to the user accepting the first offer.

18. The article of manufacture of claim 15, further comprising:

determining, by the computer-based system, that the user is using a vehicle internet enabled device; and

transmitting, by the computer-based system, instructions to the vehicle internet enabled device to provide directions to the first merchant.

19. The article of manufacture of claim 18, further comprising detecting, using a BLE beacon, a mobile device of the user in a location of the first merchant.

20. The article of manufacture of claim 19, further comprising transmitting, by the computer-based system, a second offer from the first merchant to the mobile device of the user.