公开(公告)号：US10713733B2

公开(公告)日：2020-07-14

申请号：US16174061

申请日：2018-10-29

Applicant: Capital One Services, LLC

Inventor： Jeremy D. Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06Q10/00 ,  G06N99/00 ,  G06Q40/00 ,  G06N20/00

Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

公开(公告)号：US10115166B2

公开(公告)日：2018-10-30

申请号：US14601631

申请日：2015-01-21

Applicant: Capital One Services, LLC

Inventor： Jeremy Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06N99/00 ,  G06Q10/00 ,  G06Q40/00

Abstract: A system and a method for account transaction balance prediction for an account held with a financial institution based on past and present account activity. An account balance prediction processor determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data. The system calculates a predicted account balance based on the total predicted financial transactions and the predicted income. A transaction monitor receives actual financial transaction data and actual income data, and compares the actual financial transaction data with the predicted financial transaction, and compares the actual income data with the predicted income data. An alert transmitter transmits in real time, an alert. A machine learning processor continuously adjusts calculations of financial transactions and income.

公开(公告)号：US20200302552A1

公开(公告)日：2020-09-24

申请号：US16895228

申请日：2020-06-08

Applicant: Capital One Services, LLC

Inventor： Jeremy Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06Q40/00

Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

公开(公告)号：US11328366B2

公开(公告)日：2022-05-10

申请号：US16895228

申请日：2020-06-08

Applicant: Capital One Services, LLC

Inventor： Jeremy Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06N99/00 ,  G06Q10/00 ,  G06Q40/00 ,  G06N20/00

Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.

公开(公告)号：US20190066229A1

公开(公告)日：2019-02-28

申请号：US16174061

申请日：2018-10-29

Applicant: Capital One Services, LLC

Inventor： Jeremy D. Rephlo ,  Daniel L. Struble ,  Mohamed Lafeer ,  Robert D. Rowley ,  Nondini A. Naqui ,  Sarah Calandro ,  Colin Hart

IPC: G06Q40/00

CPC classification number: G06Q40/12 ,  G06N20/00

Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.