Artificial intelligence modeling to predict electronic account data
US12299727B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Oct 17, 2023 |
| Grant date | May 13, 2025 |
| Priority date | — |
| Expiry date | Oct 17, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06N3/045
- WIPO fieldComputer technology
- WIPO sectorElectrical engineering
Abstract
Disclosed methods and system describe a server that uses AI modeling to predict negative cash flow at a user level. The server periodically retrieves data associated with the user, the data comprising monetary attributes associated with one or more accounts of the user; executes a deep neural network model trained based upon historical data associated with at least a subset of the users configured to predict a negative cash flow in one or more accounts of the user, a depth of the negative cash flow, and a duration of the negative cash flow; transmits, to a second server, the predicted values, whereby when the second server determines that a likelihood of account needs satisfies a threshold, the second server establishes an electronic communication session with an electronic device of the user; trains the deep neural network when the second server establishes the electronic communication session.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.