US 12,260,425 B2
Systems and methods for optimizing allocation of points
Leonard Jennings, Stamford, CT (US); Claire Quinn, Stamford, CT (US); M. Ramona Bryson, Stamford, CT (US); Deirdre Baker, Stamford, CT (US); and Marcia Englefield, Stamford, CT (US)
Assigned to Synchrony Bank, Stamford, CT (US)
Filed by Synchrony Bank, Stamford, CT (US)
Filed on Feb. 2, 2024, as Appl. No. 18/430,782.
Application 18/430,782 is a continuation of application No. 18/167,300, filed on Feb. 10, 2023, granted, now 11,935,086.
Application 18/167,300 is a continuation of application No. 17/335,967, filed on Jun. 1, 2021, granted, now 11,610,219, issued on Mar. 21, 2023.
Claims priority of provisional application 63/055,773, filed on Jul. 23, 2020.
Claims priority of provisional application 63/033,019, filed on Jun. 1, 2020.
Prior Publication US 2024/0273567 A1, Aug. 15, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0207 (2023.01); G06Q 30/0226 (2023.01); G06Q 30/0238 (2023.01)
CPC G06Q 30/0226 (2013.01) [G06Q 30/0215 (2013.01); G06Q 30/0238 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
identifying categories associated with transactions;
receiving a selection associated with a subset of the categories and a point allocation scheme, wherein the point allocation scheme includes a base point allocation scheme and an account specific point allocation scheme, wherein the account specific point allocation scheme is associated with a particular account, and wherein the account specific point allocation scheme includes one or more account specific rules that modify the base point allocation scheme for the particular account differently from point allocation schemes associated with other accounts;
generating a set of data buckets for the subset of the categories;
storing in real-time a plurality of transactions to one or more data buckets of the set of data buckets, wherein the plurality of transactions are associated with the particular account, and wherein the plurality of transactions are stored in real-time as other transactions are being generated for the particular account;
generating a ranking of the subset of the categories based on the plurality of transactions stored in the set of data buckets;
determining a number of points to be distributed across the subset of the categories, wherein the number of points are determined based on the ranking and the point allocation scheme; and
dynamically assigning the number of points to the subset of the categories for the particular account.