Capital One Services, LLC

Seth Wilton Cottle

Matthew Carson

Kevin Nieman

Michael Chen

Kelly Ripple

Lin Ni Lisa Cheng

Michael Saia

Rocky Guo

Sam L Taffer

Disclosed herein are systems and methods for account status monitoring. The method can include receiving user registration information and account information corresponding to a first user account. The account information can include first user credit information. The method can include analyzing, by a machine learning rules engine, the account information and the user registration information to create a user behavior pattern associated with the first user account. The method can further include determining an anomaly in the user behavior pattern indicative of a life event. Based on the life event and the user registration information, the method can determine a second user account and corresponding account information comprising second user credit information. In response, the method can include predicting, by a convolutional neural network, an effect on the second user credit information resulting from the transfer of the first user credit information to the second user account.

Systems and methods for account status monitoring

Disclosed herein are system, method, and computer program product embodiments for updating identification information of a user with service providers. An embodiment operates by a computing device sending a first piece of identification information describing a user to a service provider requiring a credential to update a user profile unique to the user. Upon receiving an indication that the piece of identification information sufficiently describes the user, the computing device generates an identifier unique to the particular user to identify the user when the computing device communicates with the service provider. Thereafter, the computing device sends an instruction to the service provider to update their user profile with a second piece of identification information. With the request, the computing device sends the identifier unique to the user, which allows the service provider to bypass the user credential and update the user profile with the second piece of identification information.

Automatic identity management with third party service providers

Growing community of inventors

Reston, VA, United States of America

Seth Wilton Cottle