Personalized Recommendation Rewards Based on User Action Types

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Solution Overview

Problem

Existing recommendation systems categorize users based on account types, leading to generic and less effective recommendations, failing to leverage the exponential growth and accessibility of user data for personalized incentives.

Innovation Solution

A system that selects action types based on underlying account requirements, proactively generating recommendations and structuring them as rewards for completing actions, thereby incentivizing user behavior.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of manufacture

If users are categorized based on account types, then recommendations can be generated systematically, but the recommendations become generic and less effective

Engineering Contradiction:
Improveease of generating recommendationsVSAvoidpersonalization accuracy
Core Design Contradiction:
Ease of manufactureVSManufacturing precision

Solution Approach 1:

The patent segments the recommendation generation process into multiple dimensions: account type classification, action type identification, and specific user behavior tracking. This multi-level segmentation allows the system to maintain systematic processing while achieving granular personalization, resolving the contradiction between ease of generation and personalization accuracy.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent applies local quality by customizing recommendations based on specific action types and user behaviors rather than applying uniform treatment to all users of an account type. Each user receives tailored recommendations based on their specific actions (e.g., login frequency, feature usage), enabling precise personalization while maintaining systematic processing through the structured action-type framework.

Inventive Principle:
Principle #3Local quality

2Productivity

If a proactive approach is used to select action types, then user engagement increases, but system complexity increases

Engineering Contradiction:
Improveuser engagementVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent implements preliminary action by pre-defining action types and their associated recommendations before users perform actions. The system proactively selects appropriate action types based on account requirements and prepares corresponding recommendations in advance, which increases user engagement while managing system complexity through structured pre-processing rather than complex real-time analysis.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent uses parameter changes by dynamically adjusting recommendation parameters based on selected action types and user responses. The system modifies recommendation content, timing, and delivery based on changing user states and actions, enabling high engagement through adaptive personalization while maintaining manageable complexity through parameter-based control rather than structural complexity.

Inventive Principle:
Principle #35Parameter changes

3Device complexity

If generic recommendations are provided to account types, then implementation is simple, but user participation decreases

Engineering Contradiction:
Improveimplementation simplicityVSAvoiduser participation
Core Design Contradiction:
Device complexityVSProductivity

Solution Approach 1:

The patent applies dynamics by making recommendations adaptive and responsive to user actions rather than static and uniform. The system dynamically selects and adjusts recommendations based on real-time user behavior data, ensuring high participation through relevant, timely content while maintaining implementation simplicity through automated action-type-based selection rather than complex manual customization.

Inventive Principle:
Principle #15Dynamics

Data Source

PatentUS12518184B2Methods and systems for customizing recommendations based on user actions
Publication Date: 2026.01.06 CAPITAL ONE SERVICES LLC
  • US12518184B2 patent drawing
  • US12518184B2 patent drawing
  • US12518184B2 patent drawing

AI summary

In an example embodiment, a system is described for customizing user accounts based on user actions, which may include receiving, via a user device, a first user input requesting to create an account for a user. The system may further receive, via the user device, a second user input selecting an account type for the account from a plurality of account types. In response to these user inputs, the system may retrieve, from a server, one or more account requirements for the account type, determine that the user meets the one or more account requirements and create an account in response to determining that the user meets the one or more account requirements.