Default Allocation of Credits to an Order Based on Predicted Credit Expirations

Abstract: an online system displays an ordering interface and, responsive to receiving a request from a client device associated with a user to place an order, retrieves information describing a set of unused credits provided to the user by each of one or more programs. the system identifies a set of the program(s), wherein the set of unused credits provided by each identified program is eligible to be used for acquiring an item in the order. the system accesses and applies a machine-learning model to predict an expiration of the set of unused credits provided to the user by each identified program based on the retrieved information and a current time. the system ranks the set of programs based on the prediction(s), determines a default allocation of a subset of each set of unused credits to the order based on the ranking, and updates the interface to include the default allocation.

Inventor(s): Joseph Olivier, Amritansh Tripathi, Eric Cumalander, Kaipeng Wu, Lukasz Czekaj, Joshua Beckwith

CPC Classification: G06Q30/0235 (constrained by time limit or expiration date)

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