USER SPECIFIC PURCHASING GUIDE SYSTEMS AND METHODS

摘要

There is provided systems and method for a user specific purchasing guide. The methods include receive user specific financial information corresponding to a user, receive item specific pricing information corresponding to an item selected by the user, and determine user specific purchase recommendations for the item using the user specific financial information, the item specific pricing information, and general price predictors, wherein the user specific recommendations include at least a time and price to purchase the item.

主权项

1. A service provider's system, comprising:
a non-transitory memory storing a website application interface for a purchasing guide website provided by the service provider and an account for a user; one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising: receiving a login request to the account with the purchasing guide website from an application executing on a device used by the user; determining an item of interest to the user for purchase based on user preferences stored with the account; determining user financial data for the user, wherein the user financial data comprises income and debts of the user; determining whether the user will receive at least one of a new income or a new debt different from the income and the debts using the user financial data; accessing pricing information for the item of interest; determining recommendation data using the pricing information and comprising a time for purchase by the user of the item of interest using the user financial data and the determination of whether the user will receive the at least one of the new income and the new debts at the future time; and outputting the recommendation data through a graphical user interface of the application executing on a device for the user, wherein the recommendation data is displayed with the account of the user on the purchasing guide website.