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. 26, 2021
Filed:
Mar. 18, 2020
Applicant:
International Business Machines Corporation, Armonk, NY (US);
Inventors:
Felix B. Kwizera, Nairobi, KE;
Eric Mibuari, Cambridge, MA (US);
Violette Ogega, Kisii, KE;
Skyler Speakman, Nairobi, KE;
Isaac W. Wambugu, Nairobi, KE;
Assignee:
International Business Machines Corporation, Armonk, NY (US);
Attorneys:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 30/00 (2012.01); G06Q 30/02 (2012.01); G06Q 40/02 (2012.01); G06Q 10/06 (2012.01);
U.S. Cl.
CPC ...
G06Q 30/0267 (2013.01); G06Q 30/0264 (2013.01); G06Q 30/0269 (2013.01); G06Q 10/067 (2013.01); G06Q 40/025 (2013.01);
Abstract
The disclosure provides systems and methods for analysis of financial data and customization of financial products. Time-dependent data is obtained for a relatively large set of users, and from the data are determined a relatively small set of trajectories that model user behaviour. New users are characterized according to the trajectories and financial products are automatically personalised to suit the new user.