USAA’s patent involves a system for generating and tracking user responses to narratives based on user population data. The system uses decision trees and business rules displayed on a GUI to classify and rank narratives for effectiveness, ultimately improving user engagement and providing personalized recommendations. GlobalData’s report on USAA gives a 360-degree view of the company including its patenting strategy. Buy the report here.
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According to GlobalData’s company profile on USAA, Digital lending was a key innovation area identified from patents. USAA's grant share as of January 2024 was 99%. Grant share is based on the ratio of number of grants to total number of patents.
Generating and tracking user responses to narratives for effectiveness
A recently granted patent (Publication Number: US11886465B1) discloses a computer-readable medium containing instructions that, when executed by processors, enable a server to receive information about users from various sources, generate narratives based on specific criteria using decision trees and business rules displayed on a graphical user interface (GUI). These narratives are then transmitted to specific user groups, with their effectiveness measured based on user actions. The system further updates narratives based on user responses and trackable actions, sending recommendations and predictions to users accordingly. The method involves assigning narratives to predefined categories, comparing different narratives based on criteria, and utilizing IF-THEN constructions in decision trees for narrative generation.
The patent also covers methods for determining the timing of narrative transmissions based on user financial activities, such as deposits, and conditions for sending narratives based on user savings behavior. Additionally, the system can detect additional information related to user actions, providing updated recommendations and predictions to users. The effectiveness of narratives is crucial in selecting updated versions, and machine learning models are employed to generate recommendations and predictions based on user responses. The patent highlights the innovative use of decision trees, business rules, and GUI elements in generating personalized narratives for user groups, enhancing user engagement and interaction based on trackable actions and responses.
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GlobalData Patent Analytics tracks bibliographic data, legal events data, point in time patent ownerships, and backward and forward citations from global patenting offices. Textual analysis and official patent classifications are used to group patents into key thematic areas and link them to specific companies across the world’s largest industries.
