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

Claim 3:
4. A computer-implemented method, comprising:
receiving, by a platform server at a first time, a first set of wellness data for a user of a plurality of users, wherein individual users of the plurality of users are associated with corresponding user accounts of a platform, 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 platform 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 platform server and based on the machine learning model, the reward offer associated with a positive user behavior for the user, wherein the reward offer is associated with a merchant have a merchant account associated with the platform;
presenting, by the platform server and via an application executing on a mobile device of the user, the reward offer for activation on a user account of the user;
receiving, by the platform server and from the mobile device, an indication that the user has activated the reward offer via a transaction with the merchant;
obtaining, by the platform server and at a second time, a second set of wellness data for the user, wherein the second time is based at least in part on activation of the reward offer; and
updating, by the platform server, a wellness profile of the user based on the indication that the user has activated the reward offer and a comparison of the first set of wellness data and the second set of wellness data.