# US 2021/0241382 A1 · Employment status detection based on transaction information > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2021/0241382 A1 - Document ID: US20210241382A1 - Status: Published application - Kind: A1 - Application number: 16/948,735 - Filed: 2020-09-30 - Published: 2021-08-05 - Earliest claimed: 2020-01-30 - Assignees: Capital One Services, LLC - Applicants: Capital One Services, LLC - Inventors: Michael MOSSOBA; Abdelkader M'Hamed BENKREIRA; Joshua EDWARDS - Web page: https://patentgrep.com/patent/US20210241382A1 ## CPC - G06Q 40/12: Accounting - G06F 21/6218: {to a system of files or objects, e.g. local or distributed file system or database} - G06F 21/6245: {Protecting personal data, e.g. for financial or medical purposes} - G06N 20/00: Machine learning - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - G06Q 50/22: Social work or social welfare, e.g. community support activities or counselling services - G06Q 50/26: Government or public services (business processes related to the transportation industry G06Q50/40) - G06Q 10/105: Human resources - 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) - G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS ## Abstract An income analysis platform may receive information associated with employment-related activity of a user, wherein the employment-related activity is associated with an employment status of the user. The income analysis platform may analyze, using an employment analysis model, the information to determine the employment status of the user. The income analysis platform may determine, based on the information and using the employment analysis model, that there is a change in the employment status of the user. The income analysis platform may identify, based on the determined change in the employment status of the user, a service associated with a transaction account of the user. The income analysis platform may determine, based on the change in the employment status, that one or more terms of the service are to be adjusted. The income analysis platform may perform an action associated with adjusting the one or more terms of the service. ## Claims ### Claim 1 A device, comprising: one or more memories; and one or more processors communicatively coupled to the one or more memories, configured to: detect employment-related activity associated with a user, train a machine learning model using historical data and one or more parameters to determine an whether an employment-related activity of the user is associated with being unemployed; determine, using the machine learning model and based on the employment-related activity, that the user is likely unemployed; and perform an action associated with a service of a transaction account, associated with the user, based on determining that the user is likely unemployed. ### Claim 2 (depends on 1) The device of claim 1, wherein the employment-related activity includes the user receiving unemployment income. ### Claim 3 (depends on 1) The device of claim 1, wherein the one or more processors are further configured to: monitor a transaction log based on receiving access information, from the user, that authorizes monitoring of the transaction account. ### Claim 4 (depends on 1) The device of claim 1, wherein the one or more processors are further configured to: perform an analysis to verify that the user is likely unemployed, wherein the analysis is performed based on information associated with an employer associated with the user. ### Claim 5 (depends on 1) The device of claim 1, wherein the one or more processors are further configured to: transmit, based on determining that the user is likely unemployed, a communication to the user to request the user to verify that the user is unemployed, wherein the action is performed based on a response to the communication verifying that the user is unemployed, and wherein the action includes at least one of: adjusting the service to reduce a scheduled transaction amount from the transaction account, adjusting the service to extend a due date associated with a scheduled transaction from the transaction account, or monitoring a usage of the service to determine whether to adjust the service. ### Claim 6 (depends on 1) The device of claim 1, wherein the one or more processors are further configured to: determine that an entity is associated with providing unemployment income based on an identifier of an entity being included in the transaction account and a mapping of unemployment income sources. ### Claim 7 (depends on 1) The device of claim 1, wherein, prior to determining that the user is likely unemployed, an analysis is performed to verify that the user is likely unemployed, wherein the analysis is performed based on employment-related activity of the user or information associated with an employer associated with the user. ### Claim 8 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: detect employment-related activity associated with a user, train a machine learning model using historical data and one or more parameters to determine an whether an employment-related activity of the user is associated with being unemployed; determine, using the machine learning model and based on the employment-related activity, that the user is likely unemployed; and perform an action associated with a service of a transaction account, associated with the user, based on determining that the user is likely unemployed. ### Claim 9 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the employment-related activity includes the user receiving unemployment income. ### Claim 10 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to: monitor a transaction log based on receiving access information, from the user, that authorizes monitoring of the transaction account. ### Claim 11 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to: perform an analysis to verify that the user is likely unemployed, wherein the analysis is performed based on information associated with an employer associated with the user. ### Claim 12 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to: transmit, based on determining that the user is likely unemployed, a communication to the user to request the user to verify that the user is unemployed, wherein the action is performed based on a response to the communication verifying that the user is unemployed, and wherein the action includes at least one of: adjusting the service to reduce a scheduled transaction amount from the transaction account, adjusting the service to extend a due date associated with a scheduled transaction from the transaction account, or monitoring a usage of the service to determine whether to adjust the service. ### Claim 13 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein the one or more instructions, when executed by the one or more processors, further cause the one or more processors to: determine that an entity is associated with providing unemployment income based on an identifier of an entity being included in the transaction account and a mapping of unemployment income sources. ### Claim 14 (depends on 8) The non-transitory computer-readable medium of claim 8, wherein, prior to determining that the user is likely unemployed, an analysis is performed to verify that the user is likely unemployed, wherein the analysis is performed based on employment-related activity of the user or information associated with an employer associated with the user. ### Claim 15 A method, comprising: detecting, by a device, employment-related activity associated with a user, training, by the device, a machine learning model using historical data and one or more parameters to determine an whether an employment-related activity of the user is associated with being unemployed; determining, by the device and using the machine learning model and based on the employment-related activity, that the user is likely unemployed; and performing, by the device, an action associated with a service of a transaction account, associated with the user, based on determining that the user is likely unemployed. ### Claim 16 (depends on 15) The method of claim 15, wherein the employment-related activity includes the user receiving unemployment income. ### Claim 17 (depends on 15) The method of claim 15, further comprising: monitoring a transaction log based on receiving access information, from the user, that authorizes monitoring of the transaction account. ### Claim 18 (depends on 15) The method of claim 15, further comprising: performing an analysis to verify that the user is likely unemployed, wherein the analysis is performed based on information associated with an employer associated with the user. ### Claim 19 (depends on 15) The method of claim 15, further comprising: transmitting, based on determining that the user is likely unemployed, a communication to the user to request the user to verify that the user is unemployed, wherein the action is performed based on a response to the communication verifying that the user is unemployed, and wherein the action includes one or more of: adjusting the service to reduce a scheduled transaction amount from the transaction account, adjusting the service to extend a due date associated with a scheduled transaction from the transaction account, or monitoring a usage of the service to determine whether to adjust the service. ### Claim 20 (depends on 15) The method of claim 15, further comprising: determining that an entity is associated with providing unemployment income based on an identifier of an entity being included in the transaction account and a mapping of unemployment income sources.