# US 2023/0056653 A1 · Document analysis to identify document characteristics and appending the document characteristics to a record

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 2023/0056653 A1
- Document ID: US20230056653A1
- Status: Published application
- Kind: A1
- Application number: 17/445,442
- Filed: 2021-08-19
- Published: 2023-02-23
- Earliest claimed: 2021-08-19
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Joshua EDWARDS; Abdelkader M'Hamed BENKREIRA; Michael MOSSOBA
- Web page: https://patentgrep.com/patent/US20230056653A1

## CPC

- G06V 30/418: Document matching, e.g. of document images
- G06F 40/279: Recognition of textual entities
- G06Q 20/14: specially adapted for billing systems
- G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06V 30/262: using context analysis, e.g. lexical, syntactic or semantic context
- G06V 30/416: Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors
- G06V 30/42: based on the type of document
- G06N 20/00: Machine learning
- G06V 30/19007: {Matching; Proximity measures}
- G06V: IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- 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

In some implementations, a device may receive a document associated with a series of recurring events and associated with an account. The device may analyze, using at least one of an optical character recognition technique or a natural language processing technique, the document to identify one or more characteristics associated with the document. The device may match the document with a record included in a ledger associated with the account based on the one or more characteristics associated with the document, enabling the device to identify that the record is associated with a recurring event of the series of recurring events. The device may modify display information associated with the ledger to append at least one characteristic associated with the document to information associated with the record. The device may transmit, to a user device, the display information to cause the display information to be displayed by the user device.

## Claims

### Claim 1

A system for document analysis to identify document characteristics, the system comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
receive a document associated with a series of recurring events, wherein the document is associated with an account that is registered to the system;
analyze, using at least one of an optical character recognition technique or a natural language processing technique, the document to identify one or more characteristics associated with the document, wherein the one or more characteristics include at least one of an entity associated with the document or an amount associated with the series of recurring events;
match the document with a record included in a ledger associated with the account based on the one or more characteristics associated with the document, wherein matching the document with the record enables the system to identify that the record is associated with a recurring event of the series of recurring events;
modify display information associated with the ledger based on matching the document with the record, wherein modifying the display information includes appending at least one characteristic, of the one or more characteristics, associated with the document to information associated with the record in the display information; and
transmit, to a device, the display information to cause the display information to be displayed by the device.

### Claim 2 (depends on 1)

The system of claim 1, wherein the one or more processors are further configured to:
identify a new record included in the ledger, wherein the new record is added to the ledger after matching the document with the record;
determine that the new record is associated with the document based on the one or more characteristics associated with the document; and
modify the display information to append at least one characteristic, of the one or more characteristics, associated with the document to information associated with the new record in the display information.

### Claim 3 (depends on 1)

The system of claim 1, wherein the one or more processors, to receive the document, are configured to:
receive an image of the document or a file associated with the document.

### Claim 4 (depends on 1)

The system of claim 1, wherein the one or more processors, to receive the document, are configured to:
analyze one or more records included in the ledger to identify that at least one record of the one or more records is associated with the series of recurring events, wherein identifying that the at least one record is associated with the series of recurring events is based on an amount indicated by the at least one record or that the at least one record is associated with the entity;
transmit a request for the document associated with the series of recurring events based on analyzing the one or more records included in the ledger; and
receive the document associated with the series of recurring events based on transmitting the request.

### Claim 5 (depends on 1)

The system of claim 1, wherein the one or more processors, to analyze the document, are configured to:
identify the one or more characteristics associated with the document, wherein the one or more characteristics further include at least one of:
an amount of time associated with the series of recurring events,
a remaining amount of time associated with the series of recurring events,
a termination date associated with the series of recurring events,
a payment due date associated with the series of recurring events, or
one or more dates associated with a change in terms or available features of the document.

### Claim 6 (depends on 1)

The system of claim 1, wherein the one or more processors, to match the document with the record, are configured to:
identify information associated with the record, wherein the information includes at least one of an entity associated with the record, an amount associated with the record, or a date associated with the record; and
identify that the record, from a series of records included with the ledger, is associated with the document based on comparing the information associated with the record to the one or more characteristics associated with the document.

### Claim 7 (depends on 1)

The system of claim 1, wherein the one or more processors, to transmit the display information, are configured to:
transmit the display information to cause the device to display a series of records included in the ledger, wherein transmitting the display information causes the device to display the at least one characteristic associated with the document in connection with the information associated with the record.

### Claim 8 (depends on 1)

The system of claim 1, where the one or more characteristics include one or more dates associated with the document, and wherein the one or more processors are further configured to:
detect a trigger event associated with a date of the one or more dates, wherein the trigger event is associated with an occurrence of the date or is associated with a current date being within a threshold amount of time from the date; and
transmit, to a device associated the account, a notification indicating at least one of the document, the entity associated with the document, the date, or a purpose associated with the date.

### Claim 9

A method of document analysis to identify document characteristics, comprising:
receiving, by a device, an indication of a contract associated with a series of recurring events, wherein the contract is associated with an account;
identifying, by the device, one or more characteristics associated with the contract, wherein the one or more characteristics include at least one of an entity associated with the contract or an amount associated with the series of recurring events;
matching, by the device, the contract with a record included in a ledger associated with the account based on the one or more characteristics associated with the contract, wherein matching the contract with the record enables the device to identify that the record is associated with a recurring event of the series of recurring events;
appending, by the device, at least one characteristic, of the one or more characteristics, associated with the contract to information associated with the record in display information associated with the ledger; and
providing, by the device and to a user device, the display information to cause the display information to be displayed by the device, wherein the display information includes the information associated with the record linked with the at least one characteristic.

### Claim 10 (depends on 9)

The method of claim 9, further comprising:
identifying one or more recurring events included in the ledger based on information associated with a series of records included in the ledger; and
determining that records, included in the ledger, associated with the one or more recurring events are associated with the contract based on identifying the one or more recurring events, wherein the records associated with the one or more recurring events include the record, and wherein receiving the indication of the contract is based on determining that the records associated with the one or more recurring events are associated with the contract.

### Claim 11 (depends on 9)

The method of claim 9, further comprising:
analyzing, using a machine learning technique, a series of records included in the ledger to identify that at least one record included in the series of records is associated with the contract based on transaction information associated with the at least one record, wherein receiving the indication of the contract is based on analyzing the series of records to identify that the at least one record included in the series of records is associated with the contract.

### Claim 12 (depends on 9)

The method of claim 9, wherein receiving the indication of the contract comprises:
identifying the contract based on transaction information associated with at least one record included in the ledger; and
identifying at least one characteristic of the one or more characteristics associated with the contract based on one or more standard terms associated with the contract.

### Claim 13 (depends on 9)

The method of claim 9, wherein identifying the one or more characteristics associated with the contract comprises:
analyzing, using at least one of an optical character recognition technique or a natural language processing technique, the contract to identify the one or more characteristics.

### Claim 14 (depends on 9)

The method of claim 9, further comprising:
detecting an upcoming event associated with the series of recurring events based on the one or more characteristics; and
performing an action based on detecting the upcoming event, wherein the action includes at least one of:
transmitting, to a device associated with the account, a notification associated with the upcoming event;
updating a budget associated with the account based on an amount associated with the upcoming event;
transferring resources, from another account associated with a user that is associated with the account, to the account based on an amount associated with the upcoming event; or
transmitting, to the device associated with the account, one or more recommended actions to be performed.

### Claim 15 (depends on 9)

The method of claim 9, where the one or more characteristics include one or more dates associated with the contract, the method further comprising:
detecting a trigger event associated with a date of the one or more dates, wherein the trigger event is associated with an occurrence of the date or is associated with a current date being within a threshold amount of time from the date; and
transmitting, to a device associated the account, a notification indicating at least one of the contract, the entity associated with the contract, the date, or a purpose associated with the date.

### Claim 16

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:
receive a document associated with a series of recurring events, wherein the document is associated with an account that is registered to the device;
analyze, using a text recognition technique, the document to identify one or more terms associated with the document, wherein the one or more terms include at least one of an entity associated with the document or an amount associated with the series of recurring events;
match the document with a record included in a ledger associated with the account based on the one or more terms associated with the document, wherein matching the document with the record enables the device to identify that the record is associated with a recurring event of the series of recurring events;
modify display information associated with the ledger based on matching the document with the record, wherein modifying the display information includes appending at least one term, of the one or more terms, associated with the document to information associated with the record in the display information; and
transmit, to a user device, the display information to cause the display information to be displayed by the user device.

### Claim 17 (depends on 16)

The non-transitory computer-readable medium of claim 16, wherein the one or more instructions further cause the device to:
identify a new record included in the ledger, wherein the new record is added to the ledger after matching the document with the record;
determine that the new record is associated with the document based on the one or more terms associated with the document; and
modify the display information to append at least one term, of the one or more terms, associated with the document to information associated with the new record in the display information.

### Claim 18 (depends on 16)

The non-transitory computer-readable medium of claim 16, wherein the one or more instructions further cause the device to:
identify the one or more terms associated with the document, wherein the one or more terms further include at least one of:
an amount of time associated with the series of recurring events,
a remaining amount of time associated with the series of recurring events,
a termination date associated with the series of recurring events,
a payment due date associated with the series of recurring events, or
one or more dates associated with a change in terms or available features of the document.

### Claim 19 (depends on 16)

The non-transitory computer-readable medium of claim 16, wherein the one or more instructions further cause the device to:
identify information associated with the record, wherein the information includes at least one of an entity associated with the record, an amount associated with the record, or a date associated with the record; and
identify that the record, from a series of records included with the ledger, is associated with the document based on comparing the information associated with the record to the one or more terms associated with the document.

### Claim 20 (depends on 16)

The non-transitory computer-readable medium of claim 16, where the one or more terms include one or more dates associated with the document, and wherein the one or more processors are further configured to:
detect a trigger event associated with a date of the one or more dates, wherein the trigger event is associated with an occurrence of the date or is associated with a current date being within a threshold amount of time from the date; and
transmit, to the user device, a notification indicating at least one of the document, the entity associated with the document, the date, or a purpose associated with the date.