US 12,141,830 B2
Systems and methods for pooling disparate point currencies
David Kruszewski, Media, PA (US); and Simon Luthi, Landenberg, PA (US)
Assigned to JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed by JPMORGAN CHASE BANK, N.A., New York, NY (US)
Filed on Dec. 18, 2023, as Appl. No. 18/543,744.
Application 18/543,744 is a continuation of application No. 18/046,343, filed on Oct. 13, 2022, granted, now 11,887,144.
Claims priority of provisional application 63/255,750, filed on Oct. 14, 2021.
Prior Publication US 2024/0119479 A1, Apr. 11, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/0226 (2023.01); G06Q 10/02 (2012.01); G06Q 30/0207 (2023.01)
CPC G06Q 30/0228 (2013.01) [G06Q 10/025 (2013.01); G06Q 30/0215 (2013.01); G06Q 30/0233 (2013.01)] 12 Claims
OG exemplary drawing
 
1. A method, comprising:
providing, in a collaboration space, a point conversion interface;
receiving, via the point conversion interface and from a third-party point issuer, a number of points, wherein the number of points is associated with a user profile of a contributing user of a planning group, and wherein the contributing user is a first planning group member of the planning group;
multiplying the number of points by a conversion factor, wherein the multiplying produces a number of unified points;
crediting a points pool associated with the collaboration space with the number of unified points;
storing the number of unified points as an integer value in a datastore, wherein the number of unified points are stored in the datastore with a first relationship pointer to the collaboration space, and a second relationship pointer to the user profile of the contributing user;
processing the number of points associated with the user profile of the contributing user as input data to a machine learning model;
weighting a first classification of a plurality of predicted travel objective classifications of the machine learning model with a greater relative weight based on a condition in a variable of a corresponding tree of the first classification indicating that the input data includes the number of points associated with the user profile of the contributing user; and
receiving, at the collaboration space and from the contributing user of the collaboration space, an instruction to apply the number of unified points to a balance due, wherein the balance due is associated with a user profile of a second planning group member of the planning group, wherein the balance due is for a travel objective, and wherein the travel objective is included on a digital itinerary provided by the collaboration space.