Patent ID: 11922448
Assignee: JPMORGAN CHASE BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 17:
18. A non-transitory computer readable storage medium, including instructions stored thereon for communicating an anonymized user intent, which when read and executed by one or more computers cause the one or more computers to perform steps comprising:
in a networked computer platform including an intent broker and a supply-side information processing apparatus comprising at least one computer processor:
receiving, at the supply-side information processing apparatus and from a third-party application executing on an electronic device, personal data of a user of the electronic device;
identifying, by the supply-side information processing apparatus and based on the personal data of the user of the electronic device, a user identifier, wherein the user identifier is associated with the user of the electronic device;
receiving, by the intent broker, user intention information;
storing, by the intent broker, the user intention information in a table of a user-specific database, wherein the user intention information is associated with the user identifier and an intent identifier, and wherein the intent identifier represents a user-intention category;
sending, by the supply-side information processing apparatus, the user identifier to the intent broker;
receiving, by the supply-side information processing apparatus and from the intent broker, the intent identifier;
communicating by the supply-side information processing apparatus, the user-intention category to a demand-side platform, the demand-side platform comprising a merchant;
receiving, by the supply-side information processing apparatus and from the demand-side platform, a digital intent-based transaction instrument that is associated with the user-intention category;
sending by the supply-side information processing apparatus, the digital intent-based transaction instrument that is associated with the user-intention category to the electronic device;
retrieving, by a point-of-sale device of the merchant, offer information from the digital intent-based transaction instrument using a near field communication connection with the electronic device; and
applying, by the point-of-sale device, offer terms indicated in the offer information from the digital intent-based transaction instrument to a transaction.