System for transmission and use of aggregated metrics indicative of future customer circumstances

US10460383B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Alicia C. Jones-McFadden · Fort Mill, US
• Matthew Hsieh · Charlotte, US
• Scott R. Enscoe · Charlotte, US
• Elizabeth Ann Miller · Brooklyn, US
• Alicia Anli Salvino · Rockville, US
• Daniel Shilov · Nashua, US
• Michael Anderson · San Diego, US
• Raghav Anand · Chadds Ford, US

Key dates

• Filing date: Oct 7, 2016
• Grant date: Oct 29, 2019
• Expiry date: Aug 1, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A network communication interface and a memory device storing an anomaly application and a resource application are provided. A processing device is operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to: determine the existence of an anomalous situation for a user; initiate the anomaly application to acquire aggregated metrics from third parties associated with the anomalous situation; and analyze the anomalous situation using the aggregated information. The aggregated metrics may be obtained from the entity system and/or from a third party system. The aggregated metrics may comprise the historical financial record of a plurality of third parties. The aggregated metrics may be obtained by searching a datastore of the entity system for relevant information from a historical record of unrelated individuals.