Machine learning based automated pairing of individual customers and small businesses

US11810005B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Siten Sanghvi · Jersey City, US
• Morgan S. Allen · Waxhaw, US
• Matthew E. Carroll · Charlotte, US
• Tamara S. Kingston · Peoria, US
• Stephen T. Shannon · Charlotte, US

Key dates

• Filing date: Jul 29, 2020
• Grant date: Nov 7, 2023
• Expiry date: Mar 19, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/03
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Aspects of the disclosure relate to automated pairing of customers and businesses. A computing platform may determine, based on historical user activity of a user, a pattern of the user activity, and may identify, based on the pattern of the user activity, an anticipated purchase activity of the user. Then, the computing platform may determine a sales offering by a vendor. Then, the computing platform may match the anticipated purchase activity with the sales offering. Then, the computing platform may retrieve user-defined preference rules associated with the anticipated purchase activity. Then, the computing platform may determine whether the preference rules apply to one or more attributes of the anticipated purchase activity. Subsequently, the computing platform may trigger, based on a determination that the preference rules apply to the one or more attributes of the anticipated purchase activity, an action associated with the anticipated purchase activity.