Machine learning based automated management of customer accounts

US11816726B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Siten Sanghvi · Jersey City, US
• Morgan S. Allen · Waxhaw, US
• Matthew E. Carroll · Charlotte, US
• Tamara S. Kingston · Peoria, US
• Stephen T. Shannon · Charlotte, US

Key dates

• Filing date: Jul 29, 2020
• Grant date: Nov 14, 2023
• Expiry date: Jul 29, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/405
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Aspects of the disclosure relate to machine learning based automated management of a user account. A computing platform may determine, via a computing device and based on historical user activity of a user, a pattern of the user activity. Subsequently, the computing platform may detect a deviation from the pattern of the user activity. Then, the computing platform may identify an anticipated transaction of the user. Then, the computing platform may retrieve, from a repository of user data, one or more user-defined preference rules associated with the anticipated transaction. Then, the computing platform may determine whether the one or more preference rules apply to one or more attributes of the anticipated transaction. Subsequently, the computing platform may trigger, based on a determination that the one or more preference rules apply to the one or more attributes of the anticipated transaction, an action associated with the anticipated transaction.