Patent ID: 11900421
Assignee: STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 16:
17. One or more non-transitory computer-readable media storing computer-executable instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising:
training, based on consumer profile information indicating consumer characteristics associated with a plurality of consumers, a machine learning system by determining patterns of the consumer characteristics that correspond to consumer shopping habits indicated in the consumer profile information;
identifying instances of the consumer characteristics exhibited by a user, based on at least one of user demographic information of the user or financial account information associated with the user;
determining, using the trained machine learning system, a user shopping habit of the user based on the patterns determined during training of the machine learning system and the instances of the consumer characteristics exhibited by the user;
identifying, based on the shopping habit, a preferred merchant of the user and a preferred product of the user;
receiving, from a client device that is associated with the user and is separate from the one or more processors, location data indicating at least one of an Internet Protocol (IP) address or a website address associated with a website the client device is navigating;
determining that the location data corresponds with the preferred merchant by determining that the at least one of the IP address or the website address is associated with a merchant web site of the preferred merchant; and
in response to determining that the location data corresponds with the preferred merchant,
identifying a set of communications associated with products currently offered by the preferred merchant at a discount
selecting, from among the set of communications, a particular communication that corresponds to the preferred product and
transmitting the particular communication to the client device.