公开(公告)号：WO2019023406A1

公开(公告)日：2019-01-31

申请号：PCT/US2018/043792

申请日：2018-07-25

Applicant: CLARITY MONEY, INC.

Inventor： SOUFIANI, Hossein, Azari ,  DELL, Adam ,  JACOBS, Matt ,  SRIVASTAVA, Vishal

IPC: G06Q20/40 ,  G06Q20/38

Abstract: A system and method for detecting and responding to transaction patterns includes one or more servers having one or more processors, one or more databases communicably coupled to the one or more servers, and one or more remote devices communicably coupled to the one or more servers. The processor(s) cause the server(s) to: (a) identify one or more time-based patterns in a set of transaction data stored in the one or more databases corresponding to a data pair over a time period using a spectral decomposition of the set of transaction data, (b) classify the identified time-based pattern(s) into at least two pattern categories comprising a recurring transaction and a non-recurring transaction, (c) generate one or more actions for each pattern category, and (d) respond to the identified time-based pattern(s) by causing the one or more remote devices to perform the one or more actions.