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

Claim 9:
10. A system comprising at least one computer including a processor and a memory, wherein the at least one computer includes an intent broker, a supply-side information processing apparatus, and a point-of-sale device, and wherein the at least one computer is configured to:
receive, 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;
identify, 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;
receive, by the intent broker, user intention information;
store, 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;
send, by the supply-side information processing apparatus, the user identifier to the intent broker;
receive, by the supply-side information processing apparatus and from the intent broker, the intent identifier;
communicate by the supply-side information processing apparatus, the user-intention category to a demand-side platform, the demand-side platform comprising a merchant;
receive, 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;
send, 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;
retrieve, 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
apply, by the point-of-sale device, offer terms indicated in the offer information from the digital intent-based transaction instrument to a transaction.