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.

Date of Patent:
Jul. 23, 2024

Filed:

Mar. 03, 2021
Applicant:

Capital One Services, Llc, McLean, VA (US);

Inventors:

Jennifer Kwok, New York, NY (US);

Viraj Chaudhary, Katy, TX (US);

Cruz Vargas, Denver, CO (US);

Assignee:

Capital One Services, LLC, McLean, VA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 30/02 (2023.01); G06N 20/00 (2019.01); G06Q 30/0201 (2023.01);
U.S. Cl.
CPC ...
G06Q 30/0206 (2013.01); G06N 20/00 (2019.01); G06Q 30/0201 (2013.01);
Abstract

Systems as described herein may analyze big data to generate predictions for Software-as-a-Service (SaaS) offerings and/or other subscription-based software. A prediction system may receive small business transaction data comprising payment information between a plurality of merchants and a software vendor. The prediction system may receive enterprise merchant insights information. The prediction system may identify, based on the small business transaction data and the enterprise merchant insights information, recurring transactions using a first machine learning model. The prediction system may generate an average contract price and a confidence score, using a second machine learning model. The prediction system may generate a recommendation comprising a renewal rate. Based on a determination that a service provided by the software vendor is coming due for renewal, the prediction system may send, to a particular merchant, an alert associated with the renewal and the recommendation.


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