USOO7370004B1
`
`(12) United States Patent
`Patel et al.
`
`(10) Patent No.:
`(45) Date of Patent:
`
`US 7,370,004 B1
`May 6, 2008
`
`(54) PERSONALIZED INTERACTIVE NETWORK
`ARCHITECTURE
`
`4,831,242 A
`4,870,259 A
`
`5/1989 Englehardt
`9/1989 Boggan et al.
`
`(75) Inventors: Ameet Patel, New York, NY (US);
`Jennifer Holme, New York, NY (US);
`Anthony Caiazzo, New York, NY (US)
`
`(*) Notice:
`
`(73) Assignee: The Chase Manhattan Bank, New
`York, NY (US)
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 0 days.
`(21) Appl. No.: 09/564.783
`(22) Filed:
`May 4, 2000
`
`Related U.S. Application Data
`(60) Provisional application No. 60/165.739, filed on Nov.
`15, 1999.
`
`(56)
`
`(51) Int. Cl.
`(2006.01)
`G06O 40/00
`(52) U.S. Cl. ............................. 705/14; 705/26: 705/27
`(58) Field of Classification Search .................. 705/14,
`705/26, 27
`See application file for complete search history.
`References Cited
`U.S. PATENT DOCUMENTS
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`
`Continued
`(Continued)
`FOREIGN PATENT DOCUMENTS
`
`CA
`
`2293321
`
`12/1998
`
`(Continued)
`OTHER PUBLICATIONS
`Hoovers,General Mills, Inc. Corporate Profile relied upon to show
`the history of the company.*
`Continued
`(Continued)
`Primary Examiner Jagdish N Patel
`(74) Attorney, Agent, or Firm—Goodwin Procter LLP
`(57)
`ABSTRACT
`
`A system for personalizing interaction between a user com
`municating over at least one communication channel and a
`provider of information/products/services, the user having a
`communication device for communication over the channel
`with the provider, the system comprising a channel interface
`for interfacing with the channel, an information/product/
`service interface for interfacing with an information/prod
`uct/service provider, and a knowledge management system
`coupled to the channel and information/product/service
`interface, the knowledge management system comprising a
`knowledge management repository storing information con
`cerning the user, the information obtained from interaction
`with the user over the channel including current interactions
`between the user and the knowledge management system,
`and further storing information concerning a plurality of
`information/products/services to offer to the user, and a
`personalization engine for making a decision as to which of
`the plurality of information/product/services to present to
`the user over the communication channel based on the stored
`information in the knowledge management repository.
`
`31 Claims, 28 Drawing Sheets
`
`10
`
`100
`
`30
`
`as
`
`3
`
`2
`3
`
`
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`
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`
`
`
`
`||3:55 EDHS score
`NTEGEROUTING
`-&isin MANAGEMENT
`ERNET/BC
`KNOWLEDGE ENGINEERING
`EP
`E. ANALYSS&MINING
`EWALLETS
`AAWAREHOSING
`c
`ATMKCSKS
`sroMER PROFILE
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`| CONTACTMANAGEMENT
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`- FAX
`PERSONALIZATION ENGINE
`, CoNTENT MANAGEMENT
`ENGINE
`
`se
`3
`|
`
`SRIBUTON
`BRANCH
`SALES: SERWIE
`-TELER
`CALL CENER
`
`NERGRATEKCWEGE
`IANAGEMENT
`EXTERNAINFORMATION
`SOURCS&SYSTEMS
`
`KEYSERVIES
`ACCOUNTNS
`• PRCING
`UNERWIRTING
`STATEMENTNG
`a SERWCNG
`
`PROJCT
`
`PCS
`
`HOME FINANCE
`
`SMALLUS. CREDT
`RECARO
`ATFINANCE
`CEPs
`NWSTMENT
`INSRANCE
`
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`35
`s
`
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`
`ECAN FINANCE
`RULESANOSEGENTATION -
`INTERGRATED INFRASTUCTURE& SUPPORTSYSTEM
`FINANCALNERCHANGE
`SECURITY AUTHENTICATIONRECOGNITION, AUTHORIZATION&ERECTORY SERVICES
`CCKPROCESSING
`MWARE WORKFLOWSERVICES
`•PAYENTPROCESSING
`GROUPWARE WEBNTRANET, MESSAGENG. & MECASERVICES
`FUNDSTRANSFER
`.NETWORKSYSTEMSINFRASTRUCTURE&SYSTEMSMANAGMNTSRWics
`CASEACH
`. SUPPORTSYSTEMS (COMPESATON, GL FRAUD, COMPLIANCETRACKING, HR, QM, ECT)
`
`
`
`

`

`US 7,370,004 B1
`Page 2
`
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`

`

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`
`

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`US 7,370,004 B1
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`printed Apr. 5, 1999.
`MailFrontier Survey Finds that Consumers Hold Financial Institu
`tions Accountable for Online Identity Theft, www.mailfrontier.com,
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`O'Connor, Maritz gets mastercard's stamp of approval, Business
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`Payable Flying High With Plastic, Corporate Cashflow, Nov. 1994,
`4 pages.
`
`

`

`US 7,370,004 B1
`Page 5
`
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`23, 2001, 1 page.
`Smart card for loyalty and e-purse applications eclipses capability
`of conventional mag-stripe cards, Press Release, www.l.. Slb.com,
`Apr. 21, 1997, printed Feb. 23, 2001, 3 pages.
`LZarony, "Stuck for a gift? Give a prepaid credit card”, www.
`bankrate.com, Dec. 21, 1998, 1 page.
`Souccar, Smart Cards: l'Union Smart Card Pilot Enlists a Second
`Army Base, American Banker, 3 pages.
`Spurgin, Sopininmon or What's happening in the retail credit card
`environment, Credit World Journal, Apr. 1997, 7 pages.
`Lacker, Stored Value Cards: Costly Private Substitutions for Gov
`ernment Currency, Economic Quarterly, 1996, 17 pages.
`SmartAxis, Load cash on to your e-purse card, Supported Curren
`cies and Schemes, www.smartaxis.co.uk, printed Feb. 23, 2001, 9
`pageS.
`Key, Swift Gift ‘Wows Internet Shoppers, PR Newswire, www.
`key.com/swiftgift home.html, Dec. 2, 1998, 1 page.
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`2 pages.
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`bankofcanada.ca, Jan. 1996, printed Feb. 23, 2001, 2 pages.
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`pp. 8-9, Jun. 1997, 3 pages.
`Stoughton, The Gift of Credit, www.washingtonpost.com/wp-Srv/
`business, Dec. 14, 1998.
`ICL. Understanding the benefits, Smartcity offers a number of
`important benefits to both the card issuers and the customers,
`www.icl.com, printed Feb. 27, 2001, 2 pages.
`Universal card free lifetime membership extended 3 months, AT&T
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`1990, 2 pages.
`
`Langheinrich et al., Unintrusive Customization Techniques for Web
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`2001.
`Visa Cash Where can I get it?, <www.visa-asia.com/pdf cash/
`main.html>, Feb. 23, 2001.
`Visa first to launch electronic purse load via GSM mobile phone,
`Johannesburg, Apr. 7, 1999, printed Feb. 23, 2001, www.cellular.co.
`4 pages.
`Visa International and SERMEPA Announce Plans for Cross Border
`Visa Cash Based on CEPS, <www.visa.com/av/news/
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`Visa releases visa cash electronic purse specifications based on
`CEPS, www.visa.com/av/news/PRaamisc042099.vhtml, San Fran
`cisco, Apr. 20, 1999.
`Hansell, Visa to unveil electronic purse cards, New Yorks Times,
`printed Feb. 23, 2001, 2 pages.
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`in the CardEx web site archived by web.archive.org on Feb. 7, 1998;
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`18, 2003, 8 pages.
`Welcome to Card Express, CardEx web site archived by web.
`archive.org on Oct. 31, 1996 http://web.archive.org/web/*/http://
`www.cacrodex.com), retrieve Oct. 18, 2003, 7 pages.
`Welcome to Swiftgift, Swiftgift, www.swiftgiftcard.com, Dec. 8,
`1998, 10 pages.
`Machlis et al., Will Smart cards replace ATMs?, Computerworld,
`printed Feb. 23, 2001, 3 pages.
`Langheinrich et al., Computer Networks, vol. 31, pp. 1259-1272
`(1999).
`Mobasher et al., “Creating Adaptive Web Sites Through Usage
`Based Clustering of URLs”. Knowledge and Data Engineering
`Exchange, Workshop on Chicago, IL. U.S.A., and Los Alamitos,
`CA, U.S.A., pp. 19-25 (1999).
`Ron Edwards, ABA Banking Journal, pp. 58, 60 (Mar. 1999).
`* cited by examiner
`
`

`

`US. Patent
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`U.S. Patent
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`US. Patent
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`

`U.S. Patent
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`May 6, 2008
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`Sheet 5 of 28
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`US 7,370,004 B1
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`WELCOME PAGE
`
`

`

`U.S. Patent
`
`May 6, 2008
`
`Sheet 6 of 28
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`US 7,370,004 B1
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`

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`U.S. Patent
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`May 6, 2008
`
`Sheet 7 of 28
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`US 7,370,004 B1
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`U.S. Patent
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`May 6, 2008
`
`Sheet 8 of 28
`
`US 7,370,004 B1
`
`FIG. 5
`
`2OO
`-1
`FIRST TIME
`SITE-VISITOR
`
`201
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`

`

`U.S. Patent
`
`May 6, 2008
`
`Sheet 9 of 28
`
`US 7,370,004 B1
`
`WHAT THE USER SEES
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