# US 11,908,022 B1 · Methods and apparatus for constructing machine learning models to process user data and provide advance access to payments

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- Number: US 11,908,022 B1
- Document ID: US11908022B1
- Status: Granted
- Kind: B1
- Application number: 17/823,084
- Filed: 2022-08-30
- Granted: 2024-02-20
- Earliest claimed: 2018-02-01
- Assignees: Daily Pay, Inc.
- Applicants: DailyPay, Inc.
- Inventors: Jason Lee; Robert Louis Law, II; Konstantin Getmanchuk
- Web page: https://patentgrep.com/patent/US11908022B1

## CPC

- G06Q 40/125: {Finance or payroll}
- G06F 16/215: Improving data quality; Data cleansing, e.g. de-duplication, removing invalid entries or correcting typographical errors
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

Devices, systems, and methods herein relate to generating a machine learning model for providing access to earned income. In some embodiments, an apparatus includes a memory and a processor. The processor may be configured to receive calibration datasets including (1) historical time data indicating time worked by a set of users and (2) historical earnings data indicating earnings made by the set of users. The processor may be configured to construct, based on the calibration datasets, a model for identifying anomalous data. The processor may be configured to receive, from a compute device associated with an entity, raw data for a current time period. The processor may be configured to process the raw data by removing anomalous data to produce processed data. The processor may be configured to determine an available balance for each user from the set of users based on the processed data.

## Claims

### Claim 1

A method, comprising:
receiving sets of raw data for a current pay period of an entity, each set of raw data being associated with a different time period of a plurality of time periods in the current pay period and including (1) time data indicating time worked by a set of users affiliated with the entity during that time period and (2) earnings data indicating earnings made by the set of users during that time period;
in response to receiving each set of raw data:
identifying anomalous data in that set of raw data, the anomalous data including at least one of time data errors or earnings data errors based on historical net earnings data, historical gross earnings data, and historical net-to-gross ratio data;
processing that set of raw data by removing the anomalous data identified in that set of raw data to produce processed data without at least one of the time data errors or the earning data errors;
determining, for the time period associated with that set of raw data, a net earnings amount for each user from the set of users based on the processed data;
updating an available balance of each user from the set of users based on the net earnings amount; and
transferring, at periodic intervals before the end of the current pay period, payment amounts to predetermined user accounts associated with the set of users, the payment amounts based on payment amounts previously transferred for each user from the set of users and the available balance of each user from the set of users.

### Claim 2 (depends on 1)

The method of claim 1, further comprising determining, for the time period associated with that set of raw data, a net-to-gross ratio for each user from the set of users based on the processed data.

### Claim 3 (depends on 1)

The method of claim 1, wherein the predetermined user account includes one or more of a bank account, a payroll card account, a debit card account, a savings account, a charge card account, a pay card account, a payroll card account, and a prepaid card account.

### Claim 4 (depends on 1)

The method of claim 1, wherein transferring the payment amounts is from a financial account associated with a financial institution to the predetermined user accounts.

### Claim 5 (depends on 1)

The method of claim 1, wherein the available balance of each user from the set of users is an available balance of a wage account associated with that user, the method further comprising:
determining a negative balance being in the wage account of that user.

### Claim 6 (depends on 4)

The method of claim 4, wherein the available balance of each user from the set of users is an available balance of a wage account associated with that user, the method further comprising:
terminating the transfer of future payment amounts to a predetermined user account associated with a user from the set of users in response to a negative balance being in the wage account of that user.

### Claim 7 (depends on 2)

The method of claim 2, wherein transferring the payment amounts is from an account associated with the entity to the predetermined user accounts.

### Claim 8 (depends on 7)

The method of claim 7, wherein the entity includes one or more of an employer, a company, a corporation, an enterprise, an organization, a franchise, or a provider.

### Claim 9 (depends on 2)

The method of claim 2, further comprising transferring a payment amount to a predetermined user account associated with a user upon a request made by the user.

### Claim 10 (depends on 2)

The method of claim 2, wherein transferring the payment amounts to the predetermined user accounts is facilitated by one or more of a debit card network, a payment vendor, or an automated clearing house (ACH).

### Claim 11

A method, comprising:
receiving sets of raw data for a current pay period of an entity, each set of raw data being associated with a different time period of a plurality of time periods in the current pay period and including (1) time data indicating time worked by a set of users affiliated with the entity during that time period and (2) earnings data indicating earnings made by the set of users during that time period;
in response to receiving each set of raw data:
identifying anomalous data in that set of raw data, the anomalous data including at least one of time data errors or earnings data errors;
processing that set of raw data by removing the anomalous data identified in that set of raw data to produce processed data without at least one of the time data errors or the earning data errors;
determining, for the time period associated with that set of raw data, a gross earnings amount, a net earnings amount, and a net-to-gross ratio for each user from the set of users based on the processed data;
updating an available balance of each user from the set of users based on the gross earnings amount, the net earnings amount, and the net-to-gross ratio;
sending information indicative of the available balance for each user from the set of users to a set of user devices such that the set of user devices displays the available balance for each user from the set of users;
receiving, from a user device from the set of user devices, a request to transfer at least a portion of the available balance; and
causing, in response to receiving the request to transfer, a transfer of at least the portion of the available balance to a predetermined user account associated with the user.

### Claim 12 (depends on 11)

The method of claim 11, wherein sending the information indicative of the available balance for each user from the users causes the set of user devices to display the available balance for each user from the set of users and an amount of funds to transfer up to the available balance for each user from the set of users.

### Claim 13 (depends on 11)

The method of claim 11, wherein sending the information indicative of the available balance for each user from the users causes the set of user devices to display one or more accounts for the transfer.

### Claim 14 (depends on 11)

The method of claim 11, wherein sending the information indicative of the available balance for each user from the users causes the set of user devices to display available balance calculations.

### Claim 15 (depends on 11)

The method of claim 11, wherein sending the information indicative of the available balance for each user from the users causes the set of user devices to display one or more of transfer data, account data, fee data, pay period data, payday data, balance, time worked, estimated transfer completion data, or payment history.

### Claim 16 (depends on 11)

The method of claim 11, wherein the predetermined user account includes one or more of a bank account, a payroll card account, a debit card account, a savings account, a charge card account, a pay card account, a payroll card account, and a prepaid card account.

### Claim 17 (depends on 11)

The method of claim 11, wherein transferring the at least the portion of the available balance is from a financial account associated with a financial institution to the predetermined user accounts.

### Claim 18 (depends on 17)

The method of claim 17, wherein the available balance of each user from the set of users is an available balance of a wage account associated with that user, the method further comprising:
determining a negative balance being in the wage account of that user.

### Claim 19 (depends on 11)

The method of claim 11, further comprising adjusting the gross earnings amount based on the net-to-gross ratio and a level of risk associated with for each user from the set of users.

### Claim 20

An apparatus, comprising:
a memory; and
a processor operatively coupled to the memory, the processor configured to:
receive sets of raw data for a current pay period of an entity, each set of raw data being associated with a different time period of a plurality of time periods in the current pay period and including (1) time data indicating time worked by a set of users affiliated with the entity during that time period and (2) earnings data indicating earnings made by the set of users during that time period;
in response to receiving each set of raw data:
identify anomalous data in that set of raw data, the anomalous data including at least one of time data errors or earnings data errors;
process that set of raw data by removing the anomalous data identified in that set of raw data to produce processed data without at least one of the time data errors or the earning data errors based on historical net earnings data, historical gross earnings data, and historical net-to-gross ratio data;
determine, for the time period associated with that set of raw data a net earnings amount for each user from the set of users based on the processed data;
update an available balance of each user from the set of users based on the net earnings amount; and
transfer, at periodic intervals before the end of the current pay period, payment amounts to predetermined user accounts associated with the set of users, the payment amounts based on payment amounts previously transferred for each user from the set of users and the available balance of each user from the set of users.