US 11,694,183 B2
Artificial intelligence-based system and method for conditional electronic transaction processing
Salik Shah, Washington, DC (US); and Sophie Bermudez, Washington, DC (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 14, 2020, as Appl. No. 16/847,882.
Prior Publication US 2021/0319424 A1, Oct. 14, 2021
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); G06F 40/30 (2020.01); G06N 20/00 (2019.01)
CPC G06Q 20/325 (2013.01) [G06F 40/30 (2020.01); G06N 20/00 (2019.01); G06Q 20/405 (2013.01)] 18 Claims
OG exemplary drawing
 
1. An artificial intelligent (AI)-based system for an automated crowd-sourced payment service based on detection of an unsafe household condition, comprising:
a data storage containing:
a plurality of user identification records associated with a plurality of users registered for the automated crowd-sourced payment service,
one or more threshold values associated with each of a plurality of registered users, wherein the one or more threshold values correspond to one or more unsafe household conditions detected by one or more smart home appliances, and
an automated action specified for each of the one or more threshold values;
an AI engine coupled to an application programming interface (API) that enables acquisition of real time sensing data from the one or more smart home appliances,
wherein the AI engine is configured to:
receive the real time sensing data from the one or more smart home appliances, the one or more smart home appliances comprising a smart thermostat for real time monitoring of a household temperature, and a smart refrigerator sensor for real time monitoring of a food level within the smart refrigerator associated with the household;
continuously monitor the real time sensing data, retrieved from the one or more smart home appliances, with respect to the one or more threshold values;
determine one or more data values from the real time sensing data, that indicate an unsafe household condition based on a comparison with one or more corresponding threshold values;
identify, from the plurality of user identification records, one or more registered users associated with the one or more corresponding threshold values for which an unsafe household condition is detected;
broadcast an alert, regarding the detected unsafe household condition, to the one or more registered users along a request for execution of the automated action specified for the corresponding threshold values by a corresponding user, the automated action corresponding to a transaction request for a monetary contribution to alleviate the detected unsafe condition, the alert being broadcasted to a user application running on a user device associated with each of the one or more registered users.