US 12,452,197 B2
System and method for proactive intervention to reduce high cost channel usage
Scott Karp, Washington, DC (US); and Erik Mueller, Chevy Chase, MD (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Sep. 13, 2023, as Appl. No. 18/466,377.
Application 18/466,377 is a continuation of application No. 17/934,761, filed on Sep. 23, 2022, granted, now 11,784,947.
Application 17/934,761 is a continuation of application No. 16/868,717, filed on May 7, 2020, granted, now 11,456,977, issued on Sep. 27, 2022.
Application 16/868,717 is a continuation of application No. 16/003,668, filed on Jun. 8, 2018, granted, now 10,680,979, issued on Jun. 9, 2020.
Prior Publication US 2024/0048510 A1, Feb. 8, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 51/02 (2022.01)
CPC H04L 51/02 (2013.01) 21 Claims
OG exemplary drawing
 
1. A method, comprising:
identifying, by a computing system, a user action originating from a mobile application operating on a user device authorized to access an account of a user managed by the computing system by detecting a trigger event from one or more user interactions with the mobile application;
inputting, by the computing system, the user action into a prediction model configured to predict a future action to be taken by the user;
determining, by the computing system, that a bandwidth of a primary communication channel can be reduced by identifying an alternate communication channel capable of processing the future action to be made by the user; and
based on determining that the bandwidth of the primary communication channel can be reduced, generating, by the computing system, a message to be transmitted to the user via the alternate communication channel before the user accesses the primary communication channel for performing the future action and transmitting the message to the user via the alternate communication channel, wherein the prediction preempts utilization of the primary communication channel for the future action.