Identifying and utilizing the availability of enterprise resources
AssigneeCapital One Services, LLC
InventorsJeremy Phillips, Joseph Goldstein
Life of this patent
Estimating the term…
Abstract
Entities may reference ledgers in order to better understand a historic use and/or status of an account. For example, a user may track historic spending or received payments based on referencing a ledger, or an enterprise may check a balance of an account for a user based on a ledger. However, the utility of ledgers in estimating an amount of funds available for a user's use is limited. Embodiments of a financial analyzer as described herein may provide entities with estimations of finances that include contributions from one or multiple income sources, including irregular sources. Some embodiments may provide recommendations to customers to meet needs based on a financial estimation.
Claims15
At least one machine-readable storage medium comprising instructions that when executed by a processor at a computing platform, cause the processor to:
- receive, at a financial analyzer, a first information element from a user device, the first information element comprising indications of a first income stream, wherein the first income stream is an irregular income stream;
- identify a source for the first income stream;
- establish, via a network interface, an authenticated communication channel with an application programming interface (API) associated with the source;
- receive a data package relating to the source from a third-party datastore via the authenticated channel established with the API, the data package comprising an indication of actions related to the first income stream;
- predict a supplemental income over a specified time period for the first income stream based in part on the actions related to the source;
- determine a probability of the supplemental income based in part on the source and the actions;
- receive a second information element, the second information element comprising indications of a primary income for the specified time period;
- derive an adjusted available income based in part on the supplemental income, the probability of the supplemental income, and the primary income;
- and
- send the adjusted available income to the user device.
The at least one machine-readable storage medium of claim VW, wherein the source comprises a primary income bonus, the media comprising instructions that further cause the processor to:
- receive the data package comprising indications of reviews of a user associated with the primary income bonus;
- and
- determine the quantity of supplemental income based in part on the reviews.
An apparatus, comprising:
- an interconnect to connect to a network;
- a processor coupled to the interconnect;
- and
- memory coupled to the processor, the memory comprising instructions that when executed by the processor cause the processor to:
- receive, via the interconnect, a first information element from a user device, the first information element comprising indications of a first income stream, wherein the first income stream is an irregular income stream;
- identify a source for the first income stream based on the indications of the first income stream;
- establish, via the interconnect, an authenticated communication channel with an application programming interface (API) associated the source;
- receive, via the interconnect, a data package relating to the source from a third-party datastore via the authenticated channel established with the API, the data package comprising an indication of actions related to the first income stream;
- predict a supplemental income over a specified time period for the first income stream based in part on the actions related to the source;
- determine a probability of the supplemental income based in part on the source and the actions;
- receive a second information element, the second information element comprising indications of a primary income for the specified time period;
- derive an adjusted available income based in part on the supplemental income, the probability of the supplemental income, and the primary income;
- and
- provide the adjusted available income to the user device.
A computer-implemented method, comprising:
- receiving, at financial analyzer on a server, a first information element, the first information element comprising indications of a first income stream;
- identifying a source for the first income stream based on the indications of a first income stream;
- establish, via an interconnect, an authenticated communication channel with an application programming interface (API) associated the source;
- predicting a supplemental income over a specified time period for the first income stream based in part on the authenticated communication channel established with the API;
- receiving a second information element, the second information element comprising indications of a primary income for the specified time period;
- deriving an adjusted available income based in part on the supplemental income and the primary income;
- and
- providing the adjusted available income to a user interface for display.
Dependencies are inferred from the claim text.