Predicting capital needs
US12346907B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Nov 13, 2023 |
| Grant date | Jul 1, 2025 |
| Priority date | — |
| Expiry date | Nov 13, 2043 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q40/128
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
In some examples, a predictive model is trained to determine account balances over which funds in user accounts are predicted to be surplus. Data of a first account of a user is input into the trained predictive model to determine a balance over which a portion of funds in the first account are predicted to be surplus funds for a period of time. A user device of the user presents a user interface that indicates predicted expenses and predicted income for a plurality of periods of time including the period of time. The user interface further indicates the surplus funds for the period of time and includes an interactive element for indicating disposition of the surplus funds. Based on receiving, via the user interface, an indication of an action to perform with respect to the surplus funds, at least one instruction is sent for performing the indicated action.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.