US 12,243,029 B1
Systems and methods for dynamically providing float funds for gig-economy workers
Anto Chirayil Thomas, Coppell, TX (US); Subhalakshmi Selvam, Allen, TX (US); Charlotte Thomas Creech, San Antonio, TX (US); Nathan Lee Post, Rockport, TX (US); Mathew Cyriac Kottoor, San Antonio, TX (US); Nina Cooper, San Antonio, TX (US); and Reynaldo Medina, III, San Antonio, TX (US)
Assigned to UIPCO, LLC, San Antonio, TX (US)
Filed by UIPCO, LLC, San Antonio, TX (US)
Filed on Apr. 26, 2023, as Appl. No. 18/307,634.
Claims priority of provisional application 63/336,066, filed on Apr. 28, 2022.
Int. Cl. G06Q 20/10 (2012.01)
CPC G06Q 20/10 (2013.01) 20 Claims
OG exemplary drawing
 
1. A system, comprising:
one or more data sources; and
a computing system, comprising a processor configured to:
create a plurality of gig-income models for a plurality of gig-workers by:
identifying one or more correlations between historical income data for each of the plurality of gig-workers and corresponding historical weather data during a period of time, wherein the historical weather data is associated with one or more changes in income of a respective gig-worker of the plurality of gig-workers during the period of time; and
predicting expected income data during an additional period of time occurring after the period of time based on the one or more correlations, wherein each of the plurality of gig-income models comprises a respective expected income for each gig-worker of the plurality of gig-workers over the additional period of time;
identify a first group of the plurality of gig-workers based on a first portion of the plurality of gig-income models, wherein each of the first group of the plurality of gig-workers corresponds to a first respective expected income range that exceeds a threshold for the additional period of time;
identify a second group of the plurality of gig-workers based on a second portion of the plurality of gig-income models, wherein each of the second group of the plurality of gig-workers corresponds to a second respective expected income range that is below the threshold for the additional period of time;
send an invitation to a respective computing device associated with each gig-worker of the first group and the second group, wherein the invitation is configured to cause the respective computing device to present a notification comprising an input field corresponding to accepting a request to join an income float pool;
receive a plurality of acceptances from at least a portion of the first group and the second group, wherein each of the plurality of acceptances comprises account information associated with a respective gig-worker;
receive, via one or more sensors, sensor data associated with a vehicle of a first gig-worker of the first group;
determine an actual income for the first gig-worker over the additional period of time based on the sensor data; and
automatically transfer funds from a first account associated with the first gig-worker of the first group to a second account associated with a second gig-worker of the second group via a distributed ledger in response to detecting that the first gig-worker receives the actual income over the additional period of time more than an expected income over the additional period of time.