US 2021/0342187 A1Published application

System for pattern recognition to customized resource usage

AssigneeBank of America Corporation

InventorsSusan R. Hart, Christopher Daniel Birch, Kelly Renee-Drop Keiter, Lisa Matthews, Cody Dean Searl

Life of this patent

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Abstract

Resource event patterns are identified in previously conducted resource events based on historical resource event data and, in some embodiments, pending and/or previous resource event request data. Specifically, the resource event patterns indicate a timing pattern for when resource events included in the pattern are conducted. Based at least on the timing pattern, an optimal time or time period is determined for communicating a notification to the user that is configured to notify a user that a next occurrence of a time within the timing pattern is imminent and that a resource event within the resource event pattern is pending. The optimal time may be close in proximity of the next occurrence of the time within the timing pattern or, depending on other factors, such as user preference, resource volume due, resource volume availability, resource volume due in comparison to typical resource volume due, the optimal time may be farther out from the next occurrence of a time within the timing pattern.

Claims20

Dependent claims

A system for resource event pattern recognition for prompting impending resource event requests, the system comprising:

a first computing platform including a first memory and at least one first processing device in communication with the first memory, wherein the first memory stores historical resource event data for each of a plurality of users;
and
a second computing platform including a second memory and at least one second processing device in communication with the second memory, wherein the second memory stores instructions that are executable by the second processing device and configured to:
access the first memory to retrieve historical resource event data for one of the plurality of users,
analyze the historical resource event data to determine a resource event pattern associated with the user, wherein the resource event pattern is defined by (i) resource events conducted with a same resource recipient, and (ii) a timing pattern for when the resource events are conducted with the resource recipient,
determine an optimal time period prior to a next occurrence of a time within the timing pattern for communicating a first electronic communication to the user, wherein the first electronic communication is configured to provide the user notice of (i) the next occurrence of the time within the timing pattern, and (ii) an impending resource event with the resource recipient;
and
generate and communicate, within the optimal time period, the first electronic communication to the user.

5 more elements

A computer-implemented method for resource event pattern recognition for prompting impending resource event requests, the computer-implemented method is executable by one more processing devices and comprising:

retrieving historical resource event data for one of a plurality of users,
analyzing the historical resource event data to determine a resource event pattern associated with the user, wherein the resource event pattern is defined by (i) resource events conducted with a same resource recipient, and (ii) a timing pattern for when the resource events are conducted with the resource recipient, and
determining an optimal time period prior to a next occurrence of a time within the timing pattern for communicating a first electronic communication to the user, wherein the first electronic communication is configured to provide the user notice of (i) the next occurrence of the time within the timing pattern, and (ii) an impending resource event with the resource recipient;
and
generating and communicating, within the optimal time period, the first electronic communication to the user.

2 more elements

A computer program product comprising non-transitory computer-readable code that includes:

a first set of codes for causing a computer processing device to retrieve historical resource event data for one of a plurality of users,
a second set of codes for causing a computer processing device to analyze the historical resource event data to determine a resource event pattern associated with the user, wherein the resource event pattern is defined by (i) resource events conducted with a same resource recipient, and (ii) a timing pattern for when the resource events are conducted with the resource recipient, and
a third set of codes for causing a computer processing device to determine an optimal time period prior to a next occurrence of a time within the timing pattern for communicating a first electronic communication to the user, wherein the first electronic communication is configured to provide the user notice of (i) the next occurrence of the time within the timing pattern, and (ii) an impending resource event with the resource recipient;
and
a fourth set of codes for causing a computer to generate and communicate, within the optimal time period, the first electronic communication to the user.

2 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/861,523Filed 29 Apr 2020
Published: 4 Nov 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification17 codes

G06F 9/5005
Allocation of resources, e.g. of the central processing unit [CPU]: to service a request
G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
G06F 9/50
Multiprogramming arrangements: allocation of resources, e.g. of the central processing unit [CPU]
G06F 11/30
Error detection; Error correction; Monitoring: monitoring

Family

US 11,263,049 B2Related patent
US 2021/0342187 A1This patent

From the US filing history. Foreign family members aren’t listed.

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