The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Oct. 30, 2018
Filed:
Jan. 21, 2015
Capital One Services, Llc, McLean, VA (US);
Jeremy Rephlo, Washington, DC (US);
Daniel L. Struble, Newark, DE (US);
Mohamed Lafeer, Fairfax, VA (US);
Robert D. Rowley, Garnet Valley, PA (US);
Nondini A. Naqui, Philadelphia, PA (US);
Sarah Calandro, Austin, TX (US);
Colin Hart, Arlington, VA (US);
Capital One Services, LLC, McLean, VA (US);
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.