Patent ID: 11886465
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 12:
13. A computer server comprising:
a memory; and
a processor configured to perform the operations of:
receiving, at a server, information relating to users in a user population from one or more data sources;
in response to determining that a subset of the information satisfies one or more criteria, generating a narrative corresponding to the subset of the information by applying business rules to the information,
wherein the narrative is generated using a decision tree,
wherein the decision tree and the business rules are displayed on a graphical user interface (GUI),
wherein the GUI includes a main window and a side bar adjacent to the main window,
wherein the business rules are displayed in the side bar and movable from the side bar into the main window according to a drag-and-drop mechanism,
wherein the business rules include conditions for transmitting the narrative,
wherein generating the narrative includes receiving, via the drag-and-drop mechanism, the conditions for transmitting the narrative;

assigning the narrative to one or more predefined categories, the one or more predefined categories defined based on the one or more criteria;
transmitting the narrative to a first group of the users associated with the subset of the information according to the conditions;
detecting information relating to trackable actions of a financial event performed by a subset of the first group of the users in response to the first group of the users receiving the narrative, wherein the subset of the first group of users is associated with a demographic;
determining an effectiveness rating of the narrative based on a ratio of a number of the subset of users to a number of the first group of users performing the trackable actions;
generating an updated narrative based on applying the detected information relating to the trackable actions of the financial event to the decision tree, and the determined effectiveness rating;
transmitting the updated narrative to a second group of users associated with the demographic;
receiving a user response to the updated narrative; and
sending a recommendation and/or a prediction to the second group of users based on the user response to the updated narrative.