# US 12,118,552 B2 · User profiling based on transaction data associated with a user > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,118,552 B2 - Document ID: US12118552B2 - Status: Granted - Kind: B2 - Application number: 18/062,060 - Filed: 2022-12-06 - Published: 2023-03-30 - Granted: 2024-10-15 - Earliest claimed: 2020-05-28 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Adam Vukich; George Bergeron; James Zarakas - Web page: https://patentgrep.com/patent/US12118552B2 ## CPC - G06Q 20/4014: {Identity check for transactions} - G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06Q 20/405: {Establishing or using transaction specific rules} - 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 ## Abstract A user profile scoring platform may analyze a transaction log of a transaction account of a user to determine, based on transactions of the transaction log, a qualification status of the user, wherein the qualification status indicates that a characteristic of the user satisfies a threshold qualification metric. The user profile scoring platform may determine, based on the qualification status, a transaction-based score associated with the user, wherein the transaction-based score is determined using a transaction log analysis model. The user profile scoring platform may obtain, based on receiving the access information, a user score associated with a user transaction history that is associated with a plurality of transaction accounts that are associated with the user and different from the transaction account. The user profile scoring platform may perform an action based on the transaction-based score and the user score. ## Claims ### Claim 1 A non-transitory computer-readable medium storing instructions, the instructions comprising: one or more instructions that, when executed by one or more processors, cause the one or more processors to: monitor, based on receiving access information associated with a user, a transaction log of a transaction account of the user; determine a qualification status associated with the user; determine, based on the qualification status indicating that a characteristic of the user satisfies a threshold qualification metric, a transaction-based score associated with the transaction account, wherein the transaction-based score is determined using a transaction log analysis model comprising a machine learning model that is trained based on historical data associated with previous transactions of a plurality of transaction logs including the transaction log, and based on previous scores associated with users of the plurality of transaction logs; provide, based on receiving approval to obtain a score associated with the user, a link to a device associated with the user, wherein the link enables a communication session to be established between the device and an external user-scoring platform, wherein the communication session is established based on a verification process between the device and the external user-scoring platform, and wherein a message is transmitted to a messaging account associated with the user based on the communication session being established; determine that the transaction-based score satisfies a threshold score that is associated with the qualification status; perform, based on the transaction-based score satisfying the threshold score, an action associated with the user; and retrain, based on a difference between the transaction-based score and the score associated with the user, the machine learning model. ### Claim 2 (depends on 1) The non-transitory computer-readable medium of claim 1, wherein the one or more instructions, that cause the one or more processors to determine the qualification status, cause the one or more processors to: analyze the transaction log to determine one or more transactions associated with the characteristic; estimate the characteristic based on the one or more transactions; and determine the qualification status based on the estimated characteristic. ### Claim 3 (depends on 1) The non-transitory computer-readable medium of claim 1, wherein the characteristic of the user is associated with at least one of: an income associated with the user, a payment requirement associated with the user, or a cash flow associated with the user. ### Claim 4 (depends on 1) The non-transitory computer-readable medium of claim 1, wherein performing the action is based on the transaction-based score and the score associated with the user, wherein the score associated with the user is associated with a plurality of transaction accounts that are different than the transaction account. ### Claim 5 (depends on 1) The non-transitory computer-readable medium of claim 1, wherein the one or more instructions, that cause the one or more processors to perform the action, cause the one or more processors to: train a transaction log analysis model based on the transaction-based score and transaction data associated with the transaction log, wherein the transaction log analysis model is used to determine the transaction-based score. ### Claim 6 (depends on 1) The non-transitory computer-readable medium of claim 1, wherein the one or more instructions, that cause the one or more processors to perform the action, cause the one or more processors to: provide a report that addresses the transaction-based score; provide an offer for a product that is configured to improve the transaction-based score; or pre-authorize the user for a future transaction involving the product. ### Claim 7 (depends on 1) The non-transitory computer-readable medium of claim 1, wherein the transaction-based score is determined based on at least one of: a percentage of transactions identified in the transaction log that are associated with a transaction type, or a time period associated with transactions. ### Claim 8 A device, comprising: one or more memories; and one or more processors, coupled to the one or more memories, configured to: monitor, based on receiving access information associated with a user, a transaction log of a transaction account of the user; determine a qualification status associated with the user; determine, based on the qualification status indicating that a characteristic of the user satisfies a threshold qualification metric, a transaction-based score associated with the transaction account, wherein the transaction-based score is determined using a transaction log analysis model comprising a machine learning model that is trained based on historical data associated with previous transactions of a plurality of transaction logs including the transaction log, and based on previous scores associated with users of the plurality of transaction logs; provide, based on receiving approval to obtain a score associated with the user, a link to another device associated with the user, wherein the link enables a communication session to be established between the other device and an external user-scoring platform, wherein the communication session is established based on a verification process between the other device and the external user-scoring platform, and wherein a message is transmitted to a messaging account associated with the user based on the communication session being established; determine that the transaction-based score satisfies a threshold score that is associated with the qualification status; perform, based on the transaction-based score satisfying the threshold score, an action associated with the user; and retrain, based on a difference between the transaction-based score and the score associated with the user, the machine learning model. ### Claim 9 (depends on 8) The device of claim 8, wherein the one or more processors, when determining the qualification status, are configured to: analyze the transaction log to determine one or more transactions associated with the characteristic; estimate the characteristic based on the one or more transactions; and determine the qualification status based on the estimated characteristic. ### Claim 10 (depends on 8) The device of claim 8, wherein the characteristic of the user is associated with at least one of: an income associated with the user, a payment requirement associated with the user, or a cash flow associated with the user. ### Claim 11 (depends on 8) The device of claim 8, wherein performing the action is based on the transaction-based score and the score associated with the user, wherein the score associated with the user is associated with a plurality of transaction accounts that are different than the transaction account. ### Claim 12 (depends on 8) The device of claim 8, wherein the one or more processors, when performing the action, are configured to: train a transaction log analysis model based on the transaction-based score and transaction data associated with the transaction log, wherein the transaction log analysis model is used to determine the transaction-based score. ### Claim 13 (depends on 8) The device of claim 8, wherein the one or more processors, when performing the action, are configured to: provide a report that addresses the transaction-based score; provide an offer for a product that is configured to improve the transaction-based score; or pre-authorize the user for a future transaction involving the product. ### Claim 14 (depends on 8) The device of claim 8, wherein the transaction-based score is determined based on at least one of: a percentage of transactions identified in the transaction log that are associated with a transaction type, or a time period associated with transactions. ### Claim 15 A method, comprising: monitoring, by a device and based on receiving access information associated with a user, a transaction log of a transaction account of the user; determining, by the device, a qualification status associated with the user; determining, by the device and based on the qualification status indicating that a characteristic of the user satisfies a threshold qualification metric, a transaction-based score associated with the transaction account, wherein the transaction-based score is determined using a transaction log analysis model comprising a machine learning model that is trained based on historical data associated with previous transactions of a plurality of transaction logs including the transaction log, and based on previous scores associated with users of the plurality of transaction logs; providing, by the device and based on receiving approval to obtain a score associated with the user, a link to another device associated with the user, wherein the link enables a communication session to be established between the other device and an external user-scoring platform, wherein the communication session is established based on a verification process between the other device and the external user-scoring platform, and wherein a message is transmitted to a messaging account associated with the user based on the communication session being established; determining, by the device, that the transaction-based score satisfies a threshold score that is associated with the qualification status; performing, by the device and based on the transaction-based score satisfying the threshold score, an action associated with the user; and retraining, by the device and based on a difference between the transaction-based score and the score associated with the user, the machine learning model. ### Claim 16 (depends on 15) The method of claim 15, wherein determining the qualification status comprises: analyzing the transaction log to determine one or more transactions associated with the characteristic; estimating the characteristic based on the one or more transactions; and determining the qualification status based on the estimated characteristic. ### Claim 17 (depends on 15) The method of claim 15, wherein the characteristic of the user is associated with at least one of: an income associated with the user, a payment requirement associated with the user, or a cash flow associated with the user. ### Claim 18 (depends on 15) The method of claim 15, wherein performing the action is based on the transaction-based score and the score associated with the user, wherein the score associated with the user is associated with a plurality of transaction accounts that are different than the transaction account. ### Claim 19 (depends on 15) The method of claim 15, wherein performing the action comprises: training a transaction log analysis model based on the transaction-based score and transaction data associated with the transaction log, wherein the transaction log analysis model is used to determine the transaction-based score. ### Claim 20 (depends on 15) The method of claim 15, wherein performing the action comprises: providing a report that addresses the transaction-based score; providing an offer for a product that is configured to improve the transaction-based score; or pre-authorizing the user for a future transaction involving the product.