BEHAVIORAL AND EXOGENOUS FACTOR ANALYTICS BASED USER CLUSTERING AND MIGRATION
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United States of America Patent
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Issued Date -
Dec 29, 2016
app pub date -
Jun 26, 2015
filing date -
Jun 26, 2015
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Abstract
A present risk aversion of a customer is determined. A temporal preference is detected using historical data related to the customer, the temporal preference showing a preference of current utility over a future utility of a product. Using the temporal preference and a negative transaction risk, a future risk aversion of the customer is projected at a future time. A pattern of offer acceptance by the customer is identified in the historical data. A value of an exogenous factor is determined on which a buying ability of the customer depends. The customer is classified in a cluster, where all customers in the cluster have the present risk aversion, the temporal preference, the negative transaction risk, the future risk aversion, and the value. An offer for a product is presented to the cluster, which satisfies the present risk aversion, and where a probability of acceptance of the offer exceeds a threshold.
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