公开(公告)号：US20200058079A1

公开(公告)日：2020-02-20

申请号：US16103768

申请日：2018-08-14

Applicant: MASTERCARD INTERNATIONAL INCORPORATED

Inventor： Adam Kenneth Hosp ,  Ted P. Sanders ,  Ellen Christine Walz ,  Andrew J. Smith ,  Stephen Bongner

IPC: G06Q40/00 ,  G06N99/00

Abstract: A simulation and optimization (SO) computing device is configured to receive a request for an intelligent budget, and retrieve historical data for purchase transactions initiated over a period of time. The SO computing device is also configured to assign each purchase transaction one budget class, generate a historical budget model based upon the purchase transactions and budget classes, the historical budget model representing historical spending behavior over the period of time, and execute future budget simulations based upon the historical budget model, each future budget simulation identifying a possible future spending behavior of the user. The SO computing device is further configured to generate intelligent budgets based upon the future budget simulations, wherein each intelligent budget is generated based upon a respective possible future spending behavior that satisfies at least one user-defined budget constraint, cause the intelligent budgets to be displayed, and receive a selection of a user-selected intelligent budget.