US 12,299,727 B2
Artificial intelligence modeling to predict electronic account data
Seyed Masoud Nosrati, Toronto (CA); Evgene Vahlis, Toronto (CA); Seyed Hamed Yaghoubi Shahir, Toronto (CA); Bo Zhao, Toronto (CA); Nicole Langballe, Toronto (CA); and Peter Poon, Toronto (CA)
Assigned to BANK OF MONTREAL, Toronto (CA)
Filed by BANK OF MONTREAL, Toronto (CA)
Filed on Oct. 17, 2023, as Appl. No. 18/488,938.
Application 18/488,938 is a continuation of application No. 17/225,503, filed on Apr. 8, 2021, granted, now 11,798,059.
Claims priority of provisional application 63/010,743, filed on Apr. 16, 2020.
Prior Publication US 2024/0046333 A1, Feb. 8, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06N 3/04 (2023.01); G06N 5/04 (2023.01); G06Q 30/0601 (2023.01)
CPC G06Q 30/0631 (2013.01) [G06N 3/04 (2013.01); G06N 5/04 (2013.01)] 16 Claims
OG exemplary drawing
 
1. A method comprising:
generating, by a server, a training dataset comprising historical monetary data associated with a set of accounts comprising account activity of each account indicating whether each account within the set of accounts included a negative cash flow, a depth of the negative cash flow, and a duration of the negative cash flow;
training, by the server, an artificial intelligence model using the training dataset;
retrieving, by the server, a monetary attribute associated with an account of a user;
executing, by the server, the artificial intelligence model to predict a first value indicating a negative cash flow in the account of the user, a second value indicating a depth of the negative cash flow, and a third value indicating a duration of the negative cash flow;
identifying, by the server, the first value, the second value, or the third value as correct predictions;
training, by the server, the artificial intelligence model based on the correct predictions; and
transmitting, by the server, an indication that at least one of the first value, the second value, or the third value satisfies a threshold.