# US 12,182,882 B2 · Utilizing machine learning models to automatically perform actions that maintain a plan for an event

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- Number: US 12,182,882 B2
- Document ID: US12182882B2
- Status: Granted
- Kind: B2
- Application number: 18/361,083
- Filed: 2023-07-28
- Published: 2023-11-16
- Granted: 2024-12-31
- Earliest claimed: 2019-02-20
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Ljubica Chatman; Michael Mossoba; Abdelkadar M'hamed Benkreira; Joshua Edwards; Tyler Maiman
- Web page: https://patentgrep.com/patent/US12182882B2

## CPC

- G06Q 40/12: Accounting
- 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 device receives, from a user device, plan information that identifies a plan for an event and includes information identifying an account associated with the plan, plan items of the plan, and priorities and preferences associated with the plan items, where the user device is associated with a user of the account and the plan. The device receives transaction information identifying transactions associated with the account, and processes the plan information and the transaction information, with a first model, to identify transactions related to the plan. The device processes information associated with the particular plan item, the plan information, and the transaction information, with a second model, to determine recommendations for the plan, where the information associated with the particular plan item includes information identifying a priority and a preference associated with the particular plan item. The device provides information indicating the recommendations to the user device.

## Claims

### Claim 1

A device, comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
process, with a machine learning model, plan information, item information, and transaction information,
wherein the plan information identifies a plan for an event and an account associated with the plan, the item information identifies an item for the plan, and the transaction information identifies one or more transactions associated with the account;
determine, based on processing the plan information, the item information, and the transaction information with the machine learning model, one or more recommendations for the plan; and
provide, based on the one or more recommendations for the plan, information indicating the one or more recommendations.

### Claim 2 (depends on 1)

The device of claim 1, wherein the item information includes a priority associated with the item and a preference associated with the item.

### Claim 3 (depends on 1)

The device of claim 1, wherein the one or more processors, to process the plan information, the item information, and the transaction information with the machine learning model, are configured to:
compare, using the machine learning model, a priority, associated with the item and satisfying a threshold preference, and a priority associated with another item of the plan.

### Claim 4 (depends on 1)

The device of claim 1, wherein the one or more processors, to process the plan information, the item information, and the transaction information with the machine learning model, are configured to:
compare, using the machine learning model, a preference, associated with the item and satisfying a threshold preference, and a preference associated with another item of the plan.

### Claim 5 (depends on 1)

The device of claim 1, wherein the one or more processors are further configured to:
receive the plan information;
process, with a second machine learning model, the plan information; and
identify, based on processing the plan information with the second machine learning model, the item information,
wherein processing the plan information, the item information, and the transaction information with the second machine learning model is based on identifying the item information.

### Claim 6 (depends on 5)

The device of claim 5, wherein the one or more processors, to identify the item information, are configured to:
identify, based on processing the plan information with the second machine learning model, at least one of
the item,
a recommended priority for the item, or
a recommended preference for the item.

### Claim 7 (depends on 5)

The device of claim 5, wherein the one or more processors are further configured to:
transmit the item information; and
receive information indicating a selection of the item information,
wherein processing the plan information, the item information, and the transaction information with the second machine learning model is based on receiving the selection of the item information.

### Claim 8 (depends on 1)

The device of claim 1, wherein the one or more processors are further configured to:
receive, from a second device, the transaction information,
wherein the information indicating the one or more recommendations is provided to a third device.

### Claim 9

A method, comprising:
processing, by a device and with a machine learning model, plan information, item information, and transaction information,
wherein the plan information identifies a plan for an event and an account associated with the plan, the item information identifies an item for the plan, and the transaction information identifies one or more transactions associated with the account;
determining, based on processing the plan information, the item information, and the transaction information with the machine learning model, one or more recommendations for the plan; and
providing, by the device and based on the one or more recommendations for the plan, information indicating the one or more recommendations.

### Claim 10 (depends on 9)

The method of claim 9, wherein the item information includes a priority associated with the item and a preference associated with the item.

### Claim 11 (depends on 9)

The method of claim 9, wherein processing the plan information, the item information, and the transaction information with the machine learning model comprises:
comparing, using the machine learning model, a priority, associated with the item and satisfying a threshold preference, and a priority associated with another item of the plan.

### Claim 12 (depends on 9)

The method of claim 9, wherein processing the plan information, the item information, and the transaction information with the machine learning model comprises:
comparing, using the machine learning model, a preference, associated with the item and satisfying a threshold preference, and a preference associated with another item of the plan.

### Claim 13 (depends on 9)

The method of claim 9, further comprising:
receiving the plan information;
processing, with a second machine learning model, the plan information; and
identifying, based on processing the plan information with the second machine learning model, the item information,
wherein processing the plan information, the item information, and the transaction information with the second machine learning model is based on identifying the item information.

### Claim 14 (depends on 13)

The method of claim 13, wherein identifying the item information comprises:
identifying, based on processing the plan information with the second machine learning model, at least one of
the item,
a recommended priority for the item, or
a recommended preference for the item.

### Claim 15 (depends on 13)

The method of claim 13, further comprising:
transmitting the item information; and
receiving information indicating a selection of the item information,
wherein processing the plan information, the item information, and the transaction information with thesecond machine learning model is based on receiving the selection of the item information.

### Claim 16 (depends on 13)

The method of claim 13, further comprising:
receiving, from a second device, the transaction information,
wherein the information indicating the one or more recommendations is provided to a third device.

### Claim 17

A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a device, cause the device to:
process, with a machine learning model, plan information, item information, and transaction information,
wherein the plan information identifies a plan for an event and an account associated with the plan, the item information identifies an item for the plan, and the transaction information identifies one or more transactions associated with the account;
determine, based on processing the plan information, the item information, and the transaction information with the machine learning model, one or more recommendations for the plan; and
provide, based on the one or more recommendations for the plan, information indicating the one or more recommendations.

### Claim 18 (depends on 17)

The non-transitory computer-readable medium of claim 17, wherein the item information includes a priority associated with the item and a preference associated with the item.

### Claim 19 (depends on 17)

The non-transitory computer-readable medium of claim 17, wherein the one or more instructions, that cause the device to process the plan information, the item information, and the transaction information with the machine learning model, cause the device to:
compare, using the machine learning model, a priority, associated with the item and satisfying a threshold preference, and a priority associated with another item of the plan.

### Claim 20 (depends on 17)

The non-transitory computer-readable medium of claim 17, wherein the one or more instructions, that cause the device to process the plan information, the item information, and the transaction information with the machine learning model, cause the device to:
compare, using the machine learning model, a preference, associated with the item and satisfying a threshold preference, and a preference associated with another item of the plan.