US 12,125,064 B2
Mobile device pop-up location-based real-time offer generation
Gregory Wright, Kennesaw, GA (US)
Assigned to TRUIST BANK, Charlotte, NC (US)
Filed by Truist Bank, Charlotte, NC (US)
Filed on Apr. 19, 2022, as Appl. No. 17/659,676.
Prior Publication US 2023/0334525 A1, Oct. 19, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/0251 (2023.01)
CPC G06Q 30/0267 (2013.01) [G06Q 30/0261 (2013.01); G06Q 30/0269 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for controlling location-based real-time pop-up images on user portable devices and reducing communication channel flow rate by reducing a number of pop-up images transmitted across a communication channel, the system comprising:
a database; and
a computing system operatively coupled with the database and wirelessly operatively coupled over a wireless communication channel with one or more user portable devices comprising:
at least one processor;
a communication interface communicatively coupled to the at least one processor; and
a memory device storing executable code that, when executed, causes the at least one processor to:
utilize machine learning framework hardware that is leveraged by an AI program to perform operations associated with training a neural network to predict a display order for displaying at least two pop-up images in order to reduce data flow across the wireless communication channel, the display order being trained to at least partially incorporate transaction data, the training of the neural network including:
inserting training test data into an iterative training and testing loop to predict a target variable; and
adjusting, after each iteration of the iterative training and testing loop, weight coefficients assigned to nodes of the neural network, the adjusting continuing until an error in the output data generated by the iterative training and testing loop is less than a predetermined level:
deploy the trained neural network;
run a pop-up generation software application that stores pop-up data for a plurality of pop-up images and stores user profile data of user profiles for a respective plurality of users in the database, the pop-up data for each of the pop-up images including a location for a target associated with each respective pop-up image of the plurality of pop-up images;
receive, across the wireless communication channel, user location data including user identification, user transaction information, and current location information from a user operated portable device, the user identification corresponding to one of the stored user profiles, the current location information being obtained via a positioning system utilizing a GPS device that includes a transceiver such that the positioning system wirelessly transmits and receives global positioning signals associated with the user operated portable device to determine positioning of the user operated portable device;
update the one stored user profile using at least the user transaction information;
respond to receiving the user location data by comparing the current location information with the locations included in the stored pop-up data and, based at least in part on the one stored user profile corresponding to the user identification, select stored pop-up data associated with multiple pop-up images each having an associated location within a predetermined distance of the current location;
inserting the user transaction information into the deployed neural network to predict an order to display the multiple pop-up images, the order being determined based at least in part upon a transaction frequency of the user according to the transaction information in the one stored user profile; and
transmit information from the stored pop-up data associated with the selected multiple pop-up images as sent pop-up data to the user operated portable device with instructions to display the selected multiple pop-up images via a user interface of the user operated portable device, wherein sent pop-up data is only transmitted across the wireless communication channel in the order and when the user operated portable device's current location is within the predetermined distance of the associated location rather than periodically transmitted, thereby reducing a flow rate of the sent pop-up data across the wireless communication channel,
wherein the instructions to display the multiple pop-up images includes the order in which to display the multiple pop-up images.