Methods and apparatus for constructing machine learning models to process user data and provide advance access to payments
US11094020B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Feb 1, 2019 |
| Grant date | Aug 17, 2021 |
| Priority date | — |
| Expiry date | Feb 16, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06F16/215
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
Devices, systems, and methods herein relate to generating a machine learning model for providing access to earned income. In some embodiments, an apparatus includes a memory and a processor. The processor may be configured to receive calibration datasets including (1) historical time data indicating time worked by a set of users and (2) historical earnings data indicating earnings made by the set of users. The processor may be configured to construct, based on the calibration datasets, a model for identifying anomalous data. The processor may be configured to receive, from a compute device associated with an entity, raw data for a current time period. The processor may be configured to process the raw data by removing anomalous data to produce processed data. The processor may be configured to determine an available balance for each user from the set of users based on the processed data.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.