Systems and methods for a user interface for making recommendations

US11748727B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• David Gabriele · Chicago, US
• George Bergeron · Falls Church, US
• Adam Vukich · Alexandria, US
• Vu Nguyen · Pittsburg, US
• Andrea Montealegre · Arlington, US
• Ljubica Chatman · McLean, US
• Mykhaylo Bulgakov · Arlington, US
• Joshua Edwards · Philadelphia, US
• Abdelkader M'Hamed Benkreira · Washington, US

Key dates

• Filing date: Jun 17, 2020
• Grant date: Sep 5, 2023
• Expiry date: Jun 17, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/389
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system includes an application programming interface, a database, and a server. The application programming interface can make recommendations to a user at a point of sale to display a recommended payment method from a set of payment methods associated with the user. The database can store past transactions for each payment method in the set of payment methods. The server can generate payment analytics by analyzing the past transactions in the database for each payment method. The server can determine potential benefits available to the user. The server can determine the recommended payment method by using the payment analytics and maximizing the potential benefits available to the user.