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:
May. 10, 2022
Filed:
Jun. 08, 2020
Capital One Services, Llc, McLean, VA (US);
Jeremy Rephlo, Arlington, VA (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 includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.