Computer processing of financial product information and information about consumers of financial products

Attorney Docket No.: 39476-0004001 Among other things, there is regularly received through a communication network from providers of financial products or from an aggregator or both, current information about transactions that occur in accounts of consumers of financial products that are maintained...

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Bibliographische Detailangaben
Hauptverfasser: Collins, Sean, Ranft, Joseph Thomas, Baker IV, Charles F, Moriarty, Kerri Ann
Format: Patent
Sprache:eng
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Zusammenfassung:Attorney Docket No.: 39476-0004001 Among other things, there is regularly received through a communication network from providers of financial products or from an aggregator or both, current information about transactions that occur in accounts of consumers of financial products that are maintained with providers of the financial products. The received current transaction information is stored in a database of information about the respective consumers. Machine learning is applied to the stored transaction information and other information about the consumers in the database to generate model profiles of transactions in accounts of corresponding categories of consumers for corresponding financial products. As current information about transactions is received, transactions that have occurred in the accounts of the consumers of the financial products are analyzed using the model profiles for the applicable categories of customers and financial products. Each of the consumers for whom transactions occurred that did not conform to the corresponding model profile is alerted through a communication network. My rsn Pafe N~ow Uke To oo Busien,s wha~t IN'-ave ftw My B-A nking * My Credit cards * My Mo-rtgage -- --- --- --- -- -- --- --- MyHo: 6srac