Patent ID: 11922447
Assignee: BLOCK, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A computer-implemented method, comprising:
receiving, by a payment service system (PSS) at a first time, a first biometric dataset produced by a wearable device associated with a user of a plurality of users, wherein individual users of the plurality of users are associated with corresponding user accounts with the PSS, and wherein individual user accounts of the corresponding user accounts are associated with respective wellness profiles indicating a wellness of a respective user of the plurality of users over a timeframe;
training, by the PSS and using training data, a machine learning model that uses as input user behavior and outputs a reward offer associated with behavior that improves a wellness score for the user, wherein the training data comprises one or more of wellness scores, wellness profiles, biometric patterns, purchase activity, or rewards offers associated with the plurality of users;
determining, by the PSS and based on the machine learning model, the reward offer for the user, wherein the reward offer is associated with a merchant having a merchant account associated with the PSS;
presenting, by the PSS and via an application executing on a mobile device of the user, the reward offer for activation on a user account of the user, wherein activation of the reward offer causes an association of the reward offer with the user account;
receiving, by the PSS and from the mobile device, an indication that the user has activated the reward offer via a transaction with the merchant;
obtaining, by the PSS and at a second time, a second biometric dataset produced by the wearable device, wherein the second time is based at least in part on activation of the reward offer; and
updating, by the PSS based on a comparison of the second biometric dataset and the first biometric dataset, a wellness profile of the user.