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:
Nov. 30, 2021
Filed:
Apr. 01, 2020
International Business Machines Corporation, Armonk, NY (US);
Lowell Thomason, Byron, MN (US);
Timothy Harold Brandt, Elysian, MN (US);
John Rud, Rochester, MN (US);
Kenneth Trisko, Stewartville, MN (US);
Ronald Stanley Wesely, Rochester, MN (US);
International Business Machines Corporation, Armonk, NY (US);
Abstract
A method includes receiving financial data for a plurality of categories associated with the user, where the plurality of categories includes financial institution obligations, financial tracking tools, and recurring and nonrecurring financial obligations. The method also includes analyzing financial data for each of the plurality of categories and generating an initial report with a first plurality of recommendations for the plurality of categories. The method also includes, responsive to determining a modification was received for the initial report, updating at least one recommendation from the first plurality of recommendations and a user profile for the user planning the absence. The method also generating a final report with a second plurality of recommendations based on the initial report with the first plurality of recommendations and the modification. The method also performing an action to address an unresolved financial obligation based on at least one recommendation from the second plurality of recommendation.