Identifying and delivering tailored content based a reminder

• US 9,846,894 B2
• Filed: 04/26/2016
• Issued: 12/19/2017
• Est. Priority Date: 03/14/2013
• 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: Williams, Troy P.
• Primary Examiner(s): Allen, William
• Assistant Examiner(s): LOHARIKAR, ANAND R
• Application Number:
  US15/138,849
• Publication Number:
  US 20160239875A1
• Time in Patent Office: 602 Days
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/9558 Details of hyperlinks; Management of linked annotations
• CPC Class Codes: G06F 16/9566 URL specific, e.g. using aliases, detecting broken or misspelled links
• CPC Class Codes: G06Q 10/06316 Sequencing of tasks or work
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/123 Shopping for digital content
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 30/0242 Determining effectiveness of advertisements
• CPC Class Codes: G06Q 30/0251 Targeted advertisements
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: G06Q 30/0257 User requested
• CPC Class Codes: G06Q 30/0267 Wireless devices
• CPC Class Codes: G06Q 30/0269 based on user profile or attribute
• CPC Class Codes: G06Q 30/0277 Online advertisement
• CPC Class Codes: G06Q 30/0621 Item configuration or customization
• CPC Class Codes: G06Q 30/0625 Directed, with specific intent or strategy
• CPC Class Codes: G06Q 30/0631 Item recommendations
• CPC Class Codes: G06Q 30/0641 Shopping interfaces
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/51 : Discovery or management thereof, e.g. service location protocol [SLP] or web services
• CPC Class Codes: H04L 67/535 : Tracking the activity of the user network monitoring arrangements H04L43/00; recording of computer activity G06F11/34
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/14 : Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Abstract

The present disclosure identifies and/or delivers tailored content based upon a service dialog. For example, the systems may receive a request for tailored content, facilitate a service dialog to obtain information related to the request, and communicate a plurality of tailored content based upon the information related to the request. Further, the systems may identify tailored content based upon a consumer profile, communicate the tailored content to a web client, and/or receive a selection of the tailored content. Further still, the systems may modify a magazine (e.g., content that is presented electronically) based upon tailored content.

Claims

1. A method, comprising:

identifying, by a computer-based system, tailored content based upon a reminder associated with a consumer;

wherein the tailored content comprises a plurality of tailored options;

identifying, by the computer-based system, consumer preferences for the consumer,

wherein the consumer preferences are ranked based on spending amount, a weighting factor, a highest percentage of spending and frequency of a behavior;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator (URL), the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website associated with the tailored content;

communicating, by the computer-based system and to a web client, the tailored content with tailored options related to the reminder; and

receiving, by the computer-based system, a selection of the tailored options.

2. The method of claim 1, wherein the receiving the selection of the tailored options is via an SMS message over an SMS communication channel.

3. The method of claim 1, further comprising setting, by the computer-based system, the reminder associated with the occurrence of the selection.

4. The method of claim 1, wherein the tailored options enable the consumer to conduct transactions directly with the merchants.

5. The method of claim 1, wherein the identifying the tailored content is further based upon consumer preferences in a consumer profile and information from a custom service dialog.

6. The method of claim 1, wherein the custom service dialog is via at least one of an SMS message over an SMS communication channel, an application based service dialog over a web client or a magazine based service dialog.

7. The method of claim 1, wherein the custom service dialog includes providing custom questions focused on obtaining more information about the custom request.

8. The method of claim 1, wherein the plurality of tailored options include merchant data related to advertising and offers.

9. The method of claim 1, further comprising analyzing, by the computer-based system, a consumer profile to determine the consumer preferences, wherein at least a portion of data in the consumer profile is obtained from a transaction processing system.

10. The method of claim 1, further comprising analyzing, by the computer-based system, a spouse profile to determine the consumer preferences, wherein the spouse profile is a profile of a spouse of the consumer associated with the consumer profile.

11. The method of claim 1, further comprising performing, by the computer-based system and in response to the reminder, a custom service dialog to obtain information related to a custom request associated with the reminder.

12. The method of claim 1, wherein the tailored content is determined based upon at least one of a consumer pattern or content metadata.

13. The method of claim 1, wherein the tailored content is determined based upon content metadata, and wherein the content metadata includes category data associated with the tailored content.

14. The method of claim 1, wherein the weighting factor is impacted by at least one of a selection by the consumer of the tailored content, a transaction history associated with the consumer or a browsing history associated with the consumer.

15. The method of claim 1, further comprising processing, by the computer-based system, a payment in association with the tailored content in response to the receiving the selection.

16. The method of claim 1, further comprising processing, by the computer-based system, a payment, wherein the processing the payment includes transmitting a payment option to the web client, wherein the payment option includes a selectable interface button, wherein selection of the payment option causes a transaction request to be sent from the computer based system to the merchant system.

17. 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:

identifying, by the computer-based system, tailored content based upon a reminder associated with a consumer;

wherein the tailored content comprises a plurality of tailored options;

identifying, by the computer-based system, consumer preferences for the consumer,

wherein the consumer preferences are ranked based on spending amount, a weighting factor, a highest percentage of spending and frequency of a behavior;

embedding, by the computer-based system, the tailored content with at least one of a hyperlink or a uniform resource locator (URL), the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website associated with the tailored content;

communicating, by the computer-based system and to a web client, the tailored content with tailored options related to the reminder; and

receiving, by the computer-based system, a selection of the tailored options.

18. A 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;

identifying, by the processor, tailored content based upon a reminder associated with a consumer;

wherein the tailored content comprises a plurality of tailored options;

identifying, by the processor, consumer preferences for the consumer,

wherein the consumer preferences are ranked based on spending amount, a weighting factor, a highest percentage of spending and frequency of a behavior;

embedding, by the processor, the tailored content with at least one of a hyperlink or a uniform resource locator (URL), the at least one of hyperlink or URL configured to cause retrieval, by a browser, of a website associated with the tailored content;

communicating, by the processor and to a web client, the tailored content with tailored options related to the reminder; and

receiving, by the processor, a selection of the tailored options.