US 11,748,734 B2
Programmed servers with associated data structures to track and manage user-related activity data
James N. Berry, Brooklyn, NY (US); Jeffrey A. Chwast, Long Beach, NY (US); Arvind Dua, Peoria, AZ (US); Philip B. Hayden, Westfield, NJ (US); Jahanzeb Jabbar, Rahway, NY (US); Sireesh B. Kilaru, Phoenix, AZ (US); and Michael L. Sanabria, New York, NY (US)
Assigned to American Express Travel Related Services Co., Inc., New York, NY (US)
Filed by American Express Travel Related Services Co., Inc., New York, NY (US)
Filed on Oct. 3, 2019, as Appl. No. 16/592,172.
Application 16/592,172 is a continuation of application No. 15/715,920, filed on Sep. 26, 2017, abandoned.
Prior Publication US 2020/0387879 A1, Dec. 10, 2020
Int. Cl. G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); H04L 29/06 (2006.01); G06Q 20/10 (2012.01); G06F 16/23 (2019.01); G06Q 40/06 (2012.01); G06Q 20/40 (2012.01); G06Q 20/36 (2012.01); H04W 12/06 (2021.01); H04W 12/08 (2021.01); G06Q 20/24 (2012.01); G06Q 20/14 (2012.01); G06Q 40/03 (2023.01); H04W 4/14 (2009.01); G06F 21/45 (2013.01); G06F 21/31 (2013.01); G06Q 40/02 (2023.01); H04W 12/062 (2021.01); H04W 12/72 (2021.01); G06F 21/32 (2013.01); H04W 60/00 (2009.01); G06Q 20/34 (2012.01); G06F 3/0482 (2013.01)
CPC G06Q 20/24 (2013.01) [G06Q 20/14 (2013.01); G06Q 40/03 (2023.01); G06F 3/0482 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by an application server of a transaction account issuer, from one or more web client sessions, real-time user-related activity data that is representative of one or more activities performed by a user during a day;
storing, by the application server of the transaction account issuer, the real-time user-related activity data of the user in a temporary cache user profile data structure of a cache memory storage of the transaction account issuer;
identifying, by the application server of the transaction account issuer, a time corresponding to a batch processing operation;
transferring, by the application server of the transaction account issuer, via the batch processing operation, the real-time user-related activity data of the user from the temporary cache user profile data structure of the cache memory storage of the transaction account issuer into a permanent user profile data structure of a datastore of the transaction account issuer to form permanent user profile data of the user;
receiving, after the time of the batch processing operation and said transferring, and before another batch processing operation, by the application server of the transaction account issuer, additional real-time user-related activity data of the user;
storing, by the application server of the transaction account issuer, the additional real-time user-related activity data in the temporary cache user profile data structure of the cache memory storage of the transaction account issuer;
invoking by the application server of the transaction account issuer, upon the receipt and storage of the additional real-time user-related activity data of the user in the cache memory storage of the transaction account issuer, a first application programming interface (API) that is configured to determine user-specific eligibility data of the user, said first API accessing both:
the additional real-time user-related activity data of the user stored in the temporary cache user profile data structure of the cache memory storage of the transaction account issuer, and
the permanent user profile data of the user stored in the permanent user profile data structure of the datastore of the transaction account issuer;
determining, by the first API, that the permanent user profile data indicates that the user is eligible for a maximum monthly payment allowance for fixed activity plans;
determining, by the first API, fixed activity plans that the permanent user profile data indicates that the user is eligible for under the maximum monthly payment allowance;
retrieving, by the first API after the batch processing operation, the additional real-time user-related activity data from the temporary cache user profile data structure of the cache memory storage of the transaction account issuer;
determining, by the first API, that the additional real-time user-related activity data specifies an event corresponding to a first fixed activity plan agreed to by the user after the batch processing operation;
decreasing, by the first API, the maximum monthly payment allowance for the fixed activity plans based at least in part on the event specified in the additional real-time user-related activity data;
determining, in real-time by the first API, that the user is eligible for a second fixed activity plan under the decreased maximum monthly payment allowance, wherein the fixed activity plans indicated by the permanent user profile data comprise the second fixed activity plan;
invoking, in real-time, by the application server of the transaction account issuer, upon the determination of the second fixed activity plan, a second API that is configured to generate the second fixed activity plan;
causing, in real-time, by the application server of the transaction account issuer, the second fixed activity plan to be displayed on a screen of a computing device associated with the user;
receiving, in real-time, by the application server of the transaction account issuer, from the computing device, a response from the user selecting the second fixed activity plan;
receiving, in real-time, by the application server of the transaction account issuer, real-time activity performance data representative of at least one activity performance of the user; and
invoking, in real-time, by the application server of the transaction account issuer, upon the receipt of the real-time activity performance data representative of the at least one activity performance of the user, a third API that is configured to attribute, in real-time, the at least one activity performance of the user to the second fixed activity plan based at least in part on at least one pre-determined allocating rule.