Pre-trip cognitive learning recommendation engine

US11188921B2 · kind B2 · utility

Assignee

• International Business Machines Corporation · US

Inventors

• Lowell Thomason · Kasson, US
• Timothy H. Brandt · Elysian, US
• John Rud · Rochester, US
• Kenneth Trisko · Stewartville, US
• Ronald S. Wesely · Rochester, US

Key dates

• Filing date: Apr 1, 2020
• Grant date: Nov 30, 2021
• Expiry date: Jul 17, 2040

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W4/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method includes receiving financial data for a plurality of categories associated with the user, where the plurality of categories includes financial institution obligations, financial tracking tools, and recurring and nonrecurring financial obligations. The method also includes analyzing financial data for each of the plurality of categories and generating an initial report with a first plurality of recommendations for the plurality of categories. The method also includes, responsive to determining a modification was received for the initial report, updating at least one recommendation from the first plurality of recommendations and a user profile for the user planning the absence. The method also generating a final report with a second plurality of recommendations based on the initial report with the first plurality of recommendations and the modification. The method also performing an action to address an unresolved financial obligation based on at least one recommendation from the second plurality of recommendation.