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 11:
12. One or more computing systems, comprising:
one or more processors;
memory storing computer-executable instructions that, when executed by the 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;
receiving, from a client device separate from the one or more computing systems, user input indicating:
demographic information of a user; and
login credentials associated with one or more financial accounts of the user;
receiving, based on providing the login credentials to at least one financial institution managing the one or more financial accounts, financial transaction information associated with the user;
identifying instances of the consumer characteristics exhibited by the user, based on at least one of the demographic information or the financial transaction information;
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 the client device, 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, by the one or more processors the particular communication to the client device.