Systems and methods for profile-based mobile commerce

• US 20080242274A1
• Filed: 03/27/2007
• Published: 10/02/2008
• Est. Priority Date: 03/27/2007
• Status: Active Grant

• Current Assignee: Cingular Wireless II LLC (AT&T, Inc.)
• Original Assignee: Cingular Wireless II LLC (AT&T, Inc.)
• Inventors: Swanburg, Scott Allen, Ryan, James Patrick, Wang, Shih-Ming, Warren, Sashonda
• Granted Patent: US 8,611,867 B2
• Time in Patent Office: Days
• 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:

i. a plurality of servers;

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

iii. a User Profile generated by the Intelligent Information Collecting Repository.

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 4, wherein the User Profile contains a log of activities performed by the mobile subscriber on the mobile device.

6. The network system of claim 5, 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

7. The network system of claim 5, wherein the information in the User Profile comprises a record of financial transactions performed using the Mobile Banking application.

8. The network system of claim 7, wherein the plurality of Dynamic Event Servers offers to the mobile subscriber an option to automate the financial transactions.

9. The network system of claim 5, wherein the information in the User Profile comprises purchases made by the Mobile Subscriber using the mobile device.

10. The network system of claim 9, wherein the plurality of servers sends product, vendor, and pricing information to the mobile subscriber based on the purchases made by the mobile subscriber.

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

i. a plurality of SIP-enabled servers;

ii. a plurality of databases in communication with the servers;

iii. a User Profile stored in the plurality of databases; and

iv. a unit within the servers programmed to recognize and predict the mobile subscriber'"'"'s financial transactions based on the User Profile.

12. The Mobile Broker of claim 11, wherein the plurality of servers and the plurality of databases together form a Dynamic Event Server Subsystem.

13. The Mobile Broker of claim 12, wherein every network element is SIP-enabled.

14. The Mobile Broker of claim 13, wherein financial transactions includes but is not limited to purchases made by the mobile subscriber.

15. The Mobile Broker of claim 14, wherein the Dynamic Event Server Subsystem sends product, vendor, and, pricing information to the mobile subscriber based on the purchases made by the mobile subscriber.

16. The Mobile Broker of claim 13, wherein financial transactions includes but is not limited to a record of the mobile subscriber'"'"'s Mobile Banking activities.

17. The Mobile Broker of claim 16, wherein the Dynamic Event Server Subsystem offers to the mobile subscriber an option to automate the mobile subscriber'"'"'s Mobile Banking activities.

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

i. recording the mobile subscriber'"'"'s interactions with a plurality of applications on the mobile device;

ii. analyzing the interactions to find patterns of behavior; and

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

19. The method of claim 18, further comprising the step of using SIP to communicate among the mobile device and the plurality of applications.

20. The method of claim 18, wherein the plurality of applications includes but is not limited to Mobile Banking and Mobile Brokerage.

21. The method of claim 20, further comprising the step of associating the mobile user'"'"'s patterns of behavior with information from product catalogs provided by a retailer or manufacturer.