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:
Jul. 15, 2025
Filed:
Nov. 15, 2022
Computing systems and methods for identifying and providing information about recurring transactions
Discover Financial Services, Riverwoods, IL (US);
Anna Borysek, Park Ridge, IL (US);
Lori Tobler, Libertyville, IL (US);
Raviprakashreddy Dunnutala, Lake Zurich, IL (US);
Yu Mao, Schaumburg, IL (US);
Yawen Duan, Chicago, IL (US);
Discover Financial Services, Riverwoods, IL (US);
Abstract
A computing platform is configured with new software technology for accurately identifying recurring charges and facilitating interaction with identified recurring charges, which may involve functionality for (a) obtaining data for a given transaction involving a given customer account and a given merchant, (b) applying pre-processing logic to the obtained data for the given transaction and thereby derive feature data for the given transaction, (c) inputting the feature data for the given transaction into a trained machine-learning model that functions to (i) evaluate the feature data for the given transaction and (ii) based on the evaluation, output a score for the given transaction that indicates a likelihood that the given transaction is a recurring charge, and (d) based on the score for the given transaction, determining whether to classify the given transaction as a recurring charge.