	US 12,190,319 B2
	Method and system with artificial intelligence for providing purchase proposals and personalized and/or automated payment services
Jarno Marchetto, Canobbio (CH)
Assigned to Cornèr Banca SA, Lugano (CH)
Filed by Cornèr Banca SA, Lugano (CH)
Filed on Mar. 10, 2023, as Appl. No. 18/181,814.
Claims priority of application No. 258/2022 (CH), filed on Mar. 11, 2022; and application No. 102022000004757 (IT), filed on Mar. 11, 2022.
Prior Publication US 2023/0289799 A1, Sep. 14, 2023
Int. Cl. G06Q 20/40 (2012.01)

CPC G06Q 20/401 (2013.01)

28 Claims

1. Method for providing purchase proposals and personalized and automated payment services to a subject, the method comprising:

a step of electronic access to a personalized payment services provisioning system, the step of electronic access being carried out by means of an electronic device operatively associated to the subject;

a step of retrieval of at least a first type of electronic data of said subject comprising payment data and/or deadlines and a data group (u) identifying one or more characteristics of the subject, said step of retrieval being carried out by said system after said electronic access and comprising an electronic reception of at least part of said first type of electronic data from said electronic device or from a third system;

a step of electronic storage of at least part of said first type of electronic data within an electronic memory of said system;

a step of data electronic processing, carried out after the step of retrieval of the at least a first type of electronic data, wherein a data processing engine processes at least part of the first type of electronic data stored within said system, said step of data electronic processing comprising a step of electronic profiling of the subject,

said method comprising an automated generation, and by means of the data processing engine, of a matrix or vector, (H) of proposals of services personalized for the subject and/or of propositions of personalized electronic payment requests, and comprising an electronic generation and transmission to said subject of at least one of the following proposal actions:

an electronic proposition of said services personalized for the subject, for the purchase of at least a product and/or service, said electronic proposition occurring through an electronic transmission towards the electronic device operatively associated to the subject;

an electronic proposition of said personalized electronic payment request of a predetermined amount associated to the purchase of a product and/or service, wherein the amount is determined basing on said first type of electronic data and/or basing on the processing carried out by the data processing engine;

said proposal actions and said matrix or vector (H) of proposals of services personalized for the subject and/or of propositions of personalized electronic payment requests being based at least on at least part of said first type of electronic data stored in the system and/or on at least a preceding proposal action previously electronically processed through said data processing engine, said proposal actions and said matrix or vector (H) of proposals of services personalized for the subject and/or of propositions of personalized electronic payment requests being based in particular on at least a group, optionally on at least one between a matrix or vector, of feedback data (O_f, E), comprising feedback data provided by the subject in relation to said preceding proposal action,

said matrix or vector (H) of proposals comprising:

at least a proposal of services personalized for the subject and/or at least a proposition of a personalized electronic payment request, and

at least a characteristic associated to said proposal of services personalized for the subject and/or to said proposition of a personalized electronic payment request.