In order to explore the change of artificial intelligence to online consumption patterns and consumption concepts, this paper explores the changes of artificial intelligence to online consumption patterns and consumption concepts, which are mainly realized through intelligent platforms.Moreover, this paper uses intelligent algorithms to improve the efficiency of system processing data, and uses data mining algorithms to process consumption patterns and consumption concept data.In addition, this paper studies the size and effect of the intermediary role played by payment mental accounts in payment costs and consumer purchase decisions, and studies the changes and effects of artificial intelligence on people's consumption patterns.Finally, this paper analyzes the changes of artificial intelligence to online consumption patterns and consumption concepts by investigating access methods and big data technology. Through investigation and research, we know that artificial intelligence can change consumption patterns, and make people more willing to accept this pattern of smart consumption, and it improves the convenience of people's consumption.