	US 11,669,897 B2
	Guidance engine: an automated system and method for providing financial guidance
Katharine Schlesinger, Seattle, WA (US); John Rush, Seattle, WA (US); Zheyu Yang, Seattle, WA (US); and Matthew Davis, Seattle, WA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 18, 2021, as Appl. No. 17/322,968.
Application 17/322,968 is a continuation of application No. 16/680,793, filed on Nov. 12, 2019, granted, now 11,023,967.
Prior Publication US 2021/0342939 A1, Nov. 4, 2021
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 40/02 (2023.01); G06F 16/25 (2019.01); G06N 5/00 (2023.01)

CPC G06Q 40/025 (2013.01) [G06F 16/258 (2019.01); G06N 5/003 (2013.01)]

20 Claims

1. A system comprising:

a data integration engine comprising:

one or more first processors; and

first memory storing first instructions that, when executed by the one or more first processors, cause the data integration engine to:

receive, via a guidance user interface, first input data associated with a user, wherein the first input data associated with the user comprises data corresponding to a user's monthly expenses, monthly income, emergency fund level, or high interest debt level;

receive, from one or more data servers, second input data associated with the user, wherein the second input data associated with the user comprises data corresponding to a user's monthly expenses, monthly income, emergency fund level, or high interest debt level;

optimize the second input data by integrating the first input data into the second input data;

generate, based on the optimized second input data, first output data associated with an estimated committed monthly expenses of the user and an estimated monthly income of the user, wherein the estimated committed monthly expenses are associated with a total monthly fixed expense incurred by the user to cover essential needs, and the estimated monthly income comprises a gross income or a net income; and

generate, based on the optimized second input data, second output data associated with an estimated emergency fund level of the user and an estimated high interest debt level of the user, wherein the estimated emergency fund level is based on an amount of liquid assets available to cover the estimated committed monthly expenses, and wherein the estimated high interest debt level is associated with one or more loans with interest rates above a pre-set threshold; and

a decision tree engine comprising:

one or more second processors; and

second memory storing second instructions that, when executed by the one or more second processors, cause the decision tree engine to:

receive, from the data integration engine, the first output data associated with the estimated committed monthly expenses and the estimated monthly income and the second output data associated with the estimated emergency fund level, and the estimated high interest debt level;

determine, based on the first output data and the second output data, a financial action for the user, wherein determining the financial action determines results for each branch of a decision tree that associates the financial action with combinations of values of the estimated committed monthly expenses, the estimated monthly income, the estimated emergency fund level, and the estimated high interest debt level; and

cause, via the guidance user interface, an output of the financial action, the estimated committed monthly expenses, the estimated monthly income, the estimated emergency fund level, and the estimated high interest debt level.