Automatic login link for targeted users without previous account creation

• US 10,867,321 B1
• Filed: 07/16/2018
• Issued: 12/15/2020
• Est. Priority Date: 07/16/2018
• Status: Active Grant

• Current Assignee: James D. Macdonald-Korth, Rita I. Macdonald-Korth
• Original Assignee: James D. Macdonald-Korth, Rita I. Macdonald-Korth
• Inventors: MacDonald-Korth, James D, MacDonald-Korth, Rita I
• Primary Examiner(s): Miller, Alan S
• Application Number:
  US16/036,769
• Time in Patent Office: 883 Days
• Field of Search: 705 711- 742
• 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 30/0201 Market modelling; Market analysis; Collecting market data
• CPC Class Codes: G06Q 30/0246 Traffic
• CPC Class Codes: G06Q 30/0255 based on user history
• CPC Class Codes: H04L 51/18 Commands or executable codes
• CPC Class Codes: H04L 63/0815 providing single-sign-on or federations
• CPC Class Codes: H04L 63/101 Access control lists [ACL]

Abstract

An auto-login system and process enable maintaining user accounts on a server without a user having to register or create a user name, password, or other authentication method. An account may be created without user knowledge. The server may transmit a content item to a target user, along with a link. A server identifies the target user from use of the auto-login link and collects interaction or “engagement” data while the user is logged in, to assess user interest in products, for example, a mutual fund investment product, which may be characterized by tags and/or categories. The system may quantify a product salience metric for a given product relative to a target user'"'"'s interest profile to focus marketing efforts and support engagement with interested target users, especially securities funds and financial advisors.

Claims

1. A method comprising:

provisioning an internet server and a data store accessible to the server, wherein the server is programmed to—

access a list of users stored in the data store, wherein the list of users includes at least a corresponding email address or other unique identifier for each of the users;

“

for at least one user on the list of users—

without receiving a request from the user, generate a custom link (or URL) that links to a corresponding target web page or content item accessible on the server;

without receiving a request from the user, transmit the custom link to the user in the body of, or in an attachment to, an email addressed to the user'"'"'s email address,

wherein the email is initiated by the server;

detect a remote browser access to the target web page or content item corresponding to the custom link;

based on the detected access, identify the user;

auto-login in the identified user to the server to enable the user to access server resources without requiring the user to input any name, account identifier, password or take any other authentication or login action; and

after auto-login, monitor and log the user'"'"'s interactions on the server.

2. The method of claim 1 wherein monitoring and logging the user'"'"'s interactions includes identifying at least one content item accessed by the user and logging a start time and/or duration of the user access to the content item.

3. The method of claim 2 wherein the server is further programmed to—

store the logged user interaction data in the data store in association with the identified user;

analyze the stored interaction data to form behavior data associated with the identified user;

store the behavior data in a data store in association with the identified user; and

based on the stored behavior data, identify at least one key word and/or category to identify subject matter apparently of interest to the identified user.

4. The method of claim 3 wherein the server is further programmed to—

analyze the stored behavior data of the identified user to form an engagement score relative to at least one key word and/or category; and

store the engagement score in the data store as a metric of user affinity or interest in subject matter corresponding to the key word and/or category.

5. The method of claim 4 wherein forming the engagement score includes:

assigning an individual score to at least some of the following factors, relative to the key word and/or category—

categories in which the user read content items in the server;

tags of the content items read by the user on the server;

a sequence in which the user clicked content items;

additional content items accessed by the user within same category;

content items with related tags accessed by the user, wherein related tags are tags falling within a common predetermined group of tags;

a frequency with which the user accessed (clicked) the content items over a selected time period;

a number of times the user clicked/loaded/accessed the content item corresponding to the custom link;

whether the user rated the content item corresponding to the custom link on the server site

a rating assigned by the user to the content item corresponding to the custom link;

a number of times the user opened the email containing custom link;

and then aggregating the individual scores to form the overall engagement score for the user relative to the key word and/or category.

6. The method of claim 5 wherein aggregating the relative scores includes weighting each of the relative scores according to a predetermined relative weight assigned to the corresponding factor;

and then summing the weighted scores to form overall engagement score for the user relative to the key word and/or category.

7. The method of claim 6 wherein the relative weights assigned to the corresponding factors comprise approximately the following percentages of the overall engagement score:

categories in which the user read content items in the server 10%;

tags of the content items read by the user on the server 35%;

a sequence in which the user clicked content items 5%;

additional content items accessed by the user within same category as the custom link 10%;

content items with related tags accessed by the user, wherein related tags are tags falling within a common predetermined group of tags 10%;

a frequency with which the user accessed (clicked) the content items over a selected time period 10%;

a number of times the user clicked/loaded/accessed the content item corresponding to the custom link;

whether the user rated the content item corresponding to the custom link on the server site 4%

a rating assigned by the user to the content item corresponding to the custom link 1%;

a number of times the user opened the email containing the custom link 10%.

8. The method of claim 4 wherein the server is further programmed to—

select a securities investment product;

assign at least one key word and/or category to the selected product;

query the data store based on the assigned key word and/or category to obtain a result, the result identifying user records in the data store having an engagement score relative to the assigned key word and/or category;

based on the identified user records and the corresponding engagement scores, generate a ranked listing of users based on their respective engagement scores;

select one of the users based on a highest-ranking engagement score relative to the assigned key word and/or category; and

direct a communication associated with the investment product to the selected user at the stored email address.

9. The method of claim 8 wherein the server is further programmed to:

receive an indication that the user to whom the communication was directed subsequently purchased the investment product; and

update the corresponding user data in the data store based on the indication.

10. The method of claim 9 wherein the indication is obtained by the server querying online public records.

11. The method of claim 4 wherein the server is further programmed to—

based on the stored behavior data, determine one or more key words and/or categories and/or semantic clusters of content of interest to the user;

query the datastore based on the determined key words and/or categories and/or semantic clusters of content to identify at least one matching record associated with a product; and

designate the user as a target to receive electronic communications associated with the product.

12. The method of claim 4 wherein the server is further programmed to—

access stored characteristics data for a selected product;

access stored characteristics data for a target fund, the fund characteristics data including at least some factors in common with the characteristics data for the selected product;

for each factor common to the product characteristics and the target fund characteristics, compare the corresponding factors, and assign a score to the common factor based on the comparison;

determine a salience metric total score based on the assigned common factor scores; and

store or update a corresponding record in the data store associated with the target fund to identify the selected product and indicate the salience total score.

13. The method of claim 12 wherein determining the salience total score includes weighting the common factor scores and combining the weighted common factor scores to form the salience total score.

14. The method of claim 13 wherein the target fund characteristics data for comparison to the product characteristics data include at least some of the following characteristics:

Time of year the target fund tends to buy a product,

Average fee of funds held by the target fund,

Categories of funds held by the target fund,

Performance of funds held by the target fund, and

Rating of the target fund.

15. The method of claim 14 and further comprising tuning the corresponding salience factor weighting for at least one of the individual factor scores by:

comparing the factor score to actual sales results of the product;

based on the comparison, detecting a discrepancy between the factor score and the actual sales results;

responsive to the discrepancy, adjusting the weighting for the factor to modify its relative influence in computing the salience total score; and

updating the salience factor weights stored in the data store to reflect the adjustment.

16. The method of claim 15 and further comprising:

querying the datastore to identify weighting adjustments for a specific product salience factor;

based on results of the query, determining a number of target funds for which weighting adjustments were made for the specific factor;

compare the number of adjustments to a predetermined threshold value; and

in a case that the number of adjustments exceeds the threshold value, applying the adjustment to additional funds in the data store.

17. A system comprising:

a server provisioned for network communications;

a data store accessible to the server;

a list of target users stored in the data store, the list including an email address for each of the target users; and

software stored in non-volatile memory and executable on the server to—

generate a custom link or URL that links to a target web page or content item accessible on the server;

select one of the target users on the list;

automatically generate an email;

insert the custom link into the email or into an item attached to the email;

transmit the email to the selected target user over a network;

detect a remote browser access to the target web page or content item corresponding to the custom link;

based on the detected access, identify the selected target user;

auto-login the identified user to the server to enable the user to access server resources without requiring the user to input any name, account identifier, password or take any other authentication or login action;

after auto-login, monitor and log the identified user'"'"'s interactions on the server to form behavior data; and

store the behavior data in the data store in association with the identified user.

18. The system of claim 17 wherein the software further causes the server to—

analyze the stored behavior data to form affinity data that identifies subject matter by at least one key word and/or category and/or semantic cluster;

store or update a record associated with the user in the data store to reflect the affinity data.

19. The system of claim 18 wherein the software further causes the server to—

access product characteristic data that includes at least one key word and/or category and/or semantic cluster associated with a product;

query the data store to obtain a result based on matching the product characteristic data;

based on the result of the query, identify at least one user likely to have an affinity for the product; and

store or update a record associated with the identified user in the data store to identify the product as a candidate for purchase.

20. The system of claim 19 wherein the user is a target fund, advisor or manager, and the fund characteristics data for comparison to the product characteristics data include at least some of the following characteristics:

Time of year the target fund tends to buy a product,

Average fee of funds held by the target fund,

Categories of funds held by the target fund,

Performance of funds held by the target fund, and

Rating of the target fund.