公开(公告)号：US20240354786A1

公开(公告)日：2024-10-24

申请号：US18305483

申请日：2023-04-24

申请人： HIGHRADIUS CORPORATION

发明人： Anupam Kunwar ,  Apoorva Shrivastava ,  Sayanta Mukherjee ,  Rohit Haldar ,  Maitreya Mohapatra ,  Vineet Kumar Gupta

IPC分类号： G06Q30/0202 ,  G06N5/022

CPC分类号： G06Q30/0202 ,  G06N5/022

摘要： A system and method for predicting financial transaction patterns is disclosed. The method includes receiving invoice data of one or more customers. The method further includes receiving granularity levels, thereby generating a set granularity level instances based on various invoice data attributes. The method further computes payment frequency bucket features for all the generated set of granularity level instances and assigns invoices to clusters based on the set of payment frequency bucket features. The set of payment frequency bucket features assigns a customer to be one of: a weekly payer, alternative weekly payer, a monthly payer, a bi-monthly, a quarterly payer, a half yearly payer and an annual payer. The method further includes the generation of a set of payment pattern features based on the set of payment frequency bucket features of the cluster. Further, the method includes selection of an optimal pattern with highest probability of adherence.