Systems and methods for account status monitoring

US12141862B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• Michael Saia · Walpole, US
• Lin Ni Lisa Cheng · New York, US
• Rocky Guo · Falls Church, US
• Seth Wilton Cottle · Reston, US

Key dates

• Filing date: Sep 15, 2022
• Grant date: Nov 12, 2024
• Expiry date: Sep 15, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/03
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Disclosed herein are systems and methods for account status monitoring. The method can include receiving user registration information and account information corresponding to a first user account. The account information can include first user credit information. The method can include analyzing, by a machine learning rules engine, the account information and the user registration information to create a user behavior pattern associated with the first user account. The method can further include determining an anomaly in the user behavior pattern indicative of a life event. Based on the life event and the user registration information, the method can determine a second user account and corresponding account information comprising second user credit information. In response, the method can include predicting, by a convolutional neural network, an effect on the second user credit information resulting from the transfer of the first user credit information to the second user account.