Systems and methods for profile-based mobile commerce

• US 8,611,867 B2
• Filed: 03/27/2007
• Issued: 12/17/2013
• Est. Priority Date: 03/27/2007
• Status: Active Grant

• Current Assignee: Cingular Wireless II LLC (AT&T, Inc.)
• Original Assignee: AT&T Mobility II LLC (AT&T, Inc.)
• Inventors: Swanburg, Scott Allen, Ryan, James Patrick, Warren, Sashonda, Wang, Shih-Ming
• Primary Examiner(s): LEE, JUSTIN YE
• Application Number:
  US11/727,493
• Publication Number:
  US 20080242274A1
• Time in Patent Office: 2,457 Days
• Field of Search: 455/424, 455/414.1, 455/405, 705/1, 705/1.1, 705/35
• US Class Current: 455/414.1
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 30/00 Commerce
• 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

The invention discloses systems and methods for integrating Mobile Commerce applications with dynamically generated user profiles. A profiling engine collects and stores information regarding a mobile subscriber'"'"'s usage of Mobile Banking, Mobile Payment, and Mobile Brokerage, and stores the information in a profile. A Dynamic Event Server Subsystem comprising a Mobile Broker analyzes patterns in the subscriber'"'"'s usage of these applications. The mobile broker can thus provide intelligent feedback regarding purchases and financial transactions back to the applications and to the subscriber. This feedback is provided in real time.

Claims

1. A network system for providing recommendations to and automating tasks for a mobile subscriber having a mobile device, said network system comprising:

a plurality of servers, wherein the plurality of servers sends product, vendor, and pricing information to the mobile subscriber based on purchases made by the mobile subscriber;

an Intelligent Information Collecting Repository in communication with the servers; and

a User Profile generated by the Intelligent Information Collecting Repository, the user profile comprising information regarding the purchases made by the mobile subscriber using the mobile device, containing a log of activities performed by the mobile subscriber on the mobile device, and including a plurality of potential credit card accounts defined by the mobile subscriber, the user profile further including a credit score for the mobile subscriber,

wherein when the mobile subscriber initiates a financial transaction, logic on one or more of the plurality of servers transmits information about the financial transaction and the credit score to a credit card company associated with one of the potential credit card accounts, and receives a response from the credit card company, the response being transmitted to the mobile subscriber, thereby enabling the mobile subscriber to select a best offer from a plurality of credit card companies associated with said plurality of potential credit card accounts.

2. The network system of claim 1, wherein the plurality of servers includes a Mobile Broker and a Mobile Banking application.

3. The network system of claim 2, wherein the plurality of servers and the Intelligent Information Collecting Repository are combined with a Proxy Registration Authentication Collector to form a Dynamic Event Server Subsystem.

4. The network system of claim 3, wherein every network element is SIP-enabled.

5. The network system of claim 2, wherein the record of financial transactions performed using the Mobile Banking application is stored in the User Profile.

6. The network system of claim 5, wherein the plurality of Dynamic Event Servers offers to the mobile subscriber an option to automate the financial transactions.

7. The network system of claim 1, wherein the Mobile Broker is programmed to deliver information to the mobile subscriber;

wherein said information is based on the information in the User Profile.

8. A Mobile Broker for providing intelligent feedback to a mobile user performing financial transactions with a mobile device, said Mobile Broker comprising:

a plurality of SIP-enabled servers;

a plurality of databases in communication with the servers;

wherein the plurality of servers and the plurality of databases together form a Dynamic Event Server Subsystem, which sends product, vendor, and pricing information to the mobile user based on the purchases made by the mobile user,

a User Profile stored in the plurality of databases, the user profile including a plurality of potential credit card accounts defined by the mobile user, the user profile further including a credit score for the mobile user; and

a unit within the servers programmed to recognize and predict the mobile user'"'"'s financial transactions based on the User Profile, wherein financial transactions includes purchases made by the mobile subscriber,

wherein when the mobile user initiates a financial transaction, the unit transmits information about the financial transaction and the credit score to a credit card company associated with one of the potential credit card accounts, and receives a response from the credit card company, the response being transmitted to the mobile user, thereby enabling the mobile user to select a best offer from a plurality of credit card companies associated with said plurality of potential credit card accounts,

wherein every network element is SIP-enabled.

9. The Mobile Broker of claim 8, wherein financial transactions includes a record of the mobile subscriber'"'"'s Mobile Banking activities.

10. The Mobile Broker of claim 9, wherein the Dynamic Event Server Subsystem offers to the mobile subscriber an option to automate the mobile subscriber'"'"'s Mobile Banking activities.

11. A method for providing intelligent feedback to a mobile subscriber having a mobile device, said method comprising the steps of:

recording the mobile subscriber'"'"'s interactions with a plurality of applications on the mobile device, the plurality of applications including at least a Mobile Banking application and a Mobile Broker application;

analyzing the interactions to find patterns of behavior;

storing the patterns of behavior in a user profile, the user profile further comprising information regarding the purchases made by the mobile subscriber using the mobile device, containing a log of activities performed by the mobile subscriber on the mobile device, and including a plurality of potential credit card accounts defined by the mobile subscriber, the user profile further including a credit score for the mobile subscriber; and

providing the mobile subscriber with services customized to fit said patterns of behavior in real-time,

wherein when the mobile subscriber initiates a financial transaction, the Mobile Broker application transmits information about the financial transaction and the credit score to a credit card company associated with one of the potential credit card accounts, and receives a response from the credit card company, the response being transmitted to the mobile subscriber, thereby enabling the mobile subscriber to select a best offer from a plurality of credit card companies associated with said plurality of potential credit card accounts.

12. The method of claim 11, further comprising the step of using SIP to communicate among the mobile device and the plurality of applications.

13. The method of claim 11, further comprising the step of associating the mobile user'"'"'s patterns of behavior with information from product catalogs provided by a retailer or manufacturer.