# US 12,002,087 B1 · Network computing system to provide account management services for planning user actions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,002,087 B1 - Document ID: US12002087B1 - Status: Granted - Kind: B1 - Application number: 16/777,688 - Filed: 2020-01-30 - Granted: 2024-06-04 - Earliest claimed: 2020-01-30 - Assignees: Freedom Financial Network LLC - Applicants: Freedom Financial Network, LLC - Inventors: John McCormick; Arjun Sripathi - Web page: https://patentgrep.com/patent/US12002087B1 ## CPC - G06Q 40/03: Credit; Loans; Processing thereof - G06N 20/00: Machine learning - G06Q 20/102: {Bill distribution or payments} - G06Q 20/227: {characterised in that multiple accounts are available, e.g. to the payer} - G06Q 20/24: Credit schemes, i.e. "pay after" - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 40/06: Asset management; Financial planning or analysis - 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 - G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS ## Abstract A network computing system to provide an account management service for guiding user actions and providing users with information to facilitate decision making. In providing the account management services, the network computer system makes predictive determinations about the actions of service providers, in connection with specific actions of individual users. ## Claims ### Claim 1 A network computing system comprising: one or more processors; a memory to store a set of instructions; a communication interface to communicate, over one or more networks, with a plurality of computing devices of a plurality of users; wherein the one or more processors access the instructions to: maintain, in the memory, a credit profile for each creditor of a plurality of creditors, each creditor profile including historical information that is indicative of one or multiple settlement decisions the creditor has made in a prior time interval; maintain, in the memory, a user profile for each user of the plurality of users, the user profile for each of the plurality of users associating an identifier of the user with each of (i) a deposit account which the user is to repeatedly fund in accordance with a corresponding deposit schedule, (ii) multiple creditor accounts of the user, each of the multiple creditor accounts being associated with a corresponding creditor of the plurality of creditors, (iii) a payment schedule that identifies a payment date, a target settlement date, and (iv) a completion date when all of the multiple creditor accounts are settled; for each creditor of the plurality of creditors, develop one or more models that are maintained in the memory, the one or more models being developed to be predictive of the creditor's settlement decisions based at least in part on historical information that identifies prior settlement decisions of that creditor with other users of the plurality of users, wherein developing the one or more models includes monitoring the settlement decisions of the creditor, updating the historical information used for each model, and tuning the one or more models based on the updated historical information; for each user of the plurality of users, determine the deposit schedule for the user and the deposit account, the deposit schedule identifying a deposit amount contribution that the user is expected to make to a deposit amount held with the deposit account on multiple occasions over a time interval that extends to the completion date; during the time interval, initiate payments from the deposit account to individual creditor accounts of the multiple creditor accounts in accordance with the payment schedule; wherein determining the deposit schedule for each user of the plurality of users includes: (A) repeatedly determining, over the time interval, creditor account information for each of the multiple creditor accounts, the creditor account information identifying (i) a credit amount that is owed by the user on each of the multiple creditor accounts, (ii) a delinquency state of the creditor account, and (iii) one or more creditor account parameters, including an interest rate parameter that identifies a rate at which the credit amount owed on the creditor account increases; (B) for each creditor account of the multiple creditor accounts of the user, repeatedly predicting, over the time interval, a set of settlement decisions that the creditor will likely make using the one or more tuned predictive models developed for the creditor and based on the respective creditor account information of the user's creditor account with the creditor, wherein the predicted set of settlement decisions includes (i) a date range corresponding to a portion of the time interval during which the user can be delinquent on making payment to the creditor account without the creditor of the creditor account triggering a collection escalation, (ii) a percentage of the credit amount that the creditor will accept as a settlement amount to settle the credit amount in full, and (iii) a payment type which the creditor will accept for payment of the settlement amount; (C) based on the predicted settlement decisions and the deposit schedule, repeatedly determining, over the time interval, the payment schedule to settle the credit amount that is owed by the user on each creditor account over the time interval; and during the time interval, perform a set of operations to interact with the user, including (i) providing, for a display of a computing device of the user, a user interface that communicates the deposit schedule to the user, (ii) enabling the user to provide input via the user interface to simulate alteration to the deposit schedule, (iii) responding to the input in real-time by performing (A) through (C), and by visually indicating, on the display, a change to a remainder of the time interval, by generating a first visual indicator having a first visual characteristic that reflects the remainder of the time interval based on the deposit schedule without alteration, and a second visual indicator having a second visual characteristic that reflects a remainder of a time interval based on a simulated deposit schedule that is altered based on the input. ### Claim 2 (depends on 1) The network computer system of claim 1, wherein the one or more processors determine the payment schedule by selecting at least a first creditor account of the multiple creditor accounts to make subject to a corresponding settlement during an early portion of the time interval, and a second creditor account of the multiple creditor accounts to make subject to a corresponding settlement during a subsequent portion of the time interval. ### Claim 3 (depends on 2) The network computer system of claim 2, wherein the selection of the first creditor account during the early portion of the time interval is based at least in part on a first objective, and the selection of the second creditor account during the subsequent portion of the time interval is based at least in part on a second objective that is different than the first objective. ### Claim 4 (depends on 1) The network computer system of claim 1, wherein the one or more processors determine the payment schedule by determining a sequence in which the multiple creditor accounts are made subject to a corresponding settlement. ### Claim 5 (depends on 4) The network computer system of claim 4, wherein the one or more processors determine the sequence based at least in part on an objective to minimize an aggregate amount of settlement for the multiple creditor accounts of the user. ### Claim 6 (depends on 4) The network computer system of claim 4, wherein the one or more processors determine the sequence based at least in part on an objective to minimize a risk of collection escalation by any creditor of the multiple creditor accounts. ### Claim 7 (depends on 1) The network computer system of claim 1, wherein the one or more processors predict an aggregate deposit amount that will be available from multiple users of the plurality of users to settle respective creditor accounts of a first creditor of one of the multiple creditor accounts of the user, and wherein the percentage of the credit amount that the creditor will accept is based at least in part on the predicted aggregate deposit amount. ### Claim 8 (depends on 1) The network computer system of claim 1, wherein the one or more processors execute the instructions to: record, as historical information, each settlement decision that is actually made by individual creditors of the multiple creditors, the actual settlement decisions being recorded as part of the historical information for the creditor profile of each of the multiple creditors. ### Claim 9 (depends on 1) The network computer system of claim 1, wherein the one or more processors execute the instructions to develop a model for individual creditors of the plurality of creditors, each model being used to predict the set of settlement decisions. ### Claim 10 A method for providing account management services, the method being implemented by one or more processors of a network computing system and comprising: maintaining, in a memory of the network computing system, a credit profile for each creditor of a plurality of creditors, each creditor profile including historical information that is indicative of one or multiple settlement decisions the creditor has made in a prior time interval; maintaining, in the memory, a user profile for each user of a plurality of users, the user profile for each of the plurality of users associating an identifier of the user with each of (i) a deposit account which the user is to repeatedly fund in accordance with a corresponding deposit schedule, (ii) multiple creditor accounts of the user, each of the multiple creditor accounts being associated with a corresponding creditor of the plurality of creditors, (iii) a payment schedule that identifies a payment date, a target settlement date, and (iv) a completion date when all of the multiple creditor accounts are settled; for each creditor of the plurality of creditors, developing one or more models that are predictive of the creditor's settlement decisions based at least in part on historical information that identifies prior settlement decisions of that creditor with other users of the plurality of users, wherein developing the one or more models includes monitoring the settlement decisions of the creditor, updating the historical information used for each model, and tuning the one or more models based on the updated historical information; wherein for each user of the plurality of users, the method further comprises determining the deposit schedule for the user and the deposit account, the deposit schedule identifying a deposit amount contribution that the user is expected to make to a deposit amount held with the deposit account on multiple occasions over a time interval that extends to the completion date; wherein determining the deposit schedule for each user of the plurality of users includes: (A) repeatedly determining, over the time interval, creditor account information for each of the multiple creditor accounts, the creditor account information identifying (i) a credit amount that is owed by the user on each of the multiple creditor accounts, (ii) a delinquency state of the creditor account; and (iii) one or more creditor account parameters, including an interest rate parameter that identifies a rate at which the credit amount owed on the creditor account increases; (B) for each creditor account of the multiple creditor accounts of the user, repeatedly predicting, over the time interval, a set of settlement decisions that the creditor will likely make using the one or more tuned predictive models developed for the creditor and based on the respective creditor account information of the user's creditor account with the creditor, wherein the predicted set of settlement decisions include (i) a date range corresponding to a portion of the time interval during which the user can be delinquent on making payment to the creditor account without the creditor of the creditor account triggering a collection escalation, (ii) a percentage of the credit amount that the creditor will accept as a settlement amount to settle the credit amount in full, and (iii) a payment type which the creditor will accept for payment of the settlement amount; (C) based on the predicted settlement decisions and the deposit schedule, repeatedly determining, over the time interval, the payment schedule to settle the credit amount that is owed by the user on each creditor account over the time interval; and during the time interval, performing a set of operations to interact with the user, including (i) providing, for a display of a computing device of the user, a user interface that communicates the deposit schedule to the user, (ii) enabling the user to provide input via the user interface to simulate alteration to the deposit schedule, (iii) responding to the input in real-time by performing (A) through (C), and by visually indicating, on the display, a change to a remainder of the time interval, by generating a first visual indicator having a first visual characteristic that reflects the remainder of the time interval based on the deposit schedule without alteration, and a second visual indicator having a second visual characteristic that reflects a remainder of a time interval based on a simulated deposit schedule that is altered based on the input. ### Claim 11 (depends on 10) The method of claim 10, wherein determining the payment schedule includes selecting at least a first creditor account of the multiple creditor accounts to make subject to a corresponding settlement during an early portion of the time interval, and a second creditor account of the multiple creditor accounts to make subject to a corresponding settlement during a subsequent portion of the time interval. ### Claim 12 (depends on 11) The method of claim 11, wherein selecting the first creditor account is based at least in part on a first objective, and the selection of the second creditor account during the subsequent portion of the time interval is based at least in part on a second objective that is different than the first objective. ### Claim 13 (depends on 10) The method of claim 10, wherein determining the payment schedule includes determining a sequence in which the multiple creditor accounts are made subject to a corresponding settlement. ### Claim 14 (depends on 13) The method of claim 13, wherein determining the sequence is based at least in part on an objective to minimize an aggregate amount of settlement for the multiple creditor accounts of the user. ### Claim 15 (depends on 13) The method of claim 13, wherein determining the sequence is based at least in part on an objective to minimize a risk of collection escalation by any creditor of the multiple creditor accounts. ### Claim 16 (depends on 10) The method of claim 10, wherein the method includes predicting an aggregate deposit amount that will be available from multiple users of the plurality of users to settle respective creditor accounts of a first creditor of one of the multiple creditor accounts of the user, and wherein the percentage of the credit amount that the creditor will accept is based at least in part on the predicted aggregate deposit amount. ### Claim 17 (depends on 10) The method of claim 10, further comprising: recording, as historical information, each settlement decision that is actually made by individual creditors of the multiple creditors, the actual settlement decisions being recorded as part of the historical information for the creditor profile of each of the multiple creditors. ### Claim 18 (depends on 10) The method of claim 10, further comprising developing a model for individual creditors of the plurality of creditors, each model being used to predict the set of settlement decisions. ### Claim 19 A non-transitory computer-readable medium that stores instructions, which when executed by one or more processors of a network computing system, cause the network computing system to perform operations that include: maintaining, in a memory of the network computing system, a credit profile for each creditor of a plurality of creditors, each creditor profile including historical information that is indicative of one or multiple settlement decisions the creditor has made in a prior time interval; maintaining, in the memory, a user profile for each user of a plurality of users, the user profile for each of the plurality of users associating an identifier of the user with each of (i) a deposit account which the user is to repeatedly fund in accordance with a corresponding deposit schedule, (ii) multiple creditor accounts of the user, each of the multiple creditor accounts being associated with a corresponding creditor of the plurality of creditors, (iii) a payment schedule that identifies a payment date, a target settlement date, and (iv) a completion date when all of the multiple creditor accounts are settled; for each creditor of the plurality of creditors, developing one or more models that are predictive of the creditor's settlement decisions based at least in part on historical information that identifies prior settlement decisions of that creditor with other users of the plurality of users, wherein developing the one or more models includes monitoring the settlement decisions of the creditor, updating the historical information used for each model, and tuning the one or more models based on the updated historical information; wherein for each user of the plurality of users, the operations include determining the deposit schedule for the user and the deposit account, the deposit schedule identifying a deposit amount contribution that the user is expected to make to a deposit amount held with the deposit account on multiple occasions over a time interval that extends to the completion date; wherein determining the deposit schedule for each user of the plurality of users includes: (A) repeatedly determining, over the time interval, creditor account information for each of the multiple creditor accounts, the creditor account information identifying (i) a credit amount that is owed by the user on each of the multiple creditor accounts, (ii) a delinquency state of the creditor account; and (iii) one or more creditor account parameters, including an interest rate parameter that identifies a rate at which the credit amount owed on the creditor account increases; (B) for each creditor account of the multiple creditor accounts of the user, repeatedly predicting, over the time interval, a set of settlement decisions that the creditor will likely make using the one or more tuned predictive models developed for the creditor and based on the respective creditor account information of the user's creditor account with the creditor, wherein the predicted set of settlement decisions include (i) a date range corresponding to a portion of the time interval during which the user can be delinquent on making payment to the creditor account without the creditor of the creditor account triggering a collection escalation, (ii) a percentage of the credit amount that the creditor will accept as a settlement amount to settle the credit amount in full, and (iii) a payment type which the creditor will accept for payment of the settlement amount; (C) based on the predicted settlement decisions and the deposit schedule, repeatedly determining, over the time interval, the payment schedule to settle the credit amount that is owed by the user on each creditor account over the time interval; and during the time interval, performing a set of operations to interact with the user, including (i) providing, for a display of a computing device of the user, a user interface that communicates the deposit schedule to the user, (ii) enabling the user to provide input via the user interface to simulate alteration to the deposit schedule, (iii) responding to the input in real-time by performing (A) through (C), and by visually indicating, on the display, a change to a remainder of the time interval, by generating a first visual indicator having a first visual characteristic that reflects the remainder of the time interval based on the deposit schedule without alteration, and a second visual indicator having a second visual characteristic that reflects a remainder of a time interval based on a simulated deposit schedule that is altered based on the input. ### Claim 20 (depends on 19) The non-transitory computer-readable medium of claim 19, wherein determining the payment schedule includes determining a sequence in which the multiple creditor accounts are made subject to a corresponding settlement.