US 11,989,721 B2
Automated multi-party transaction decisioning system
Vijay Sahebgouda Bantanur, Gaithersburg, MD (US); Muralidharan Balasubramanian, Gaithersburg, MD (US); and Julie Dallen, Vienna, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Aug. 19, 2021, as Appl. No. 17/406,664.
Prior Publication US 2023/0067467 A1, Mar. 2, 2023
Int. Cl. G06Q 20/36 (2012.01); G06F 18/21 (2023.01); G06F 18/214 (2023.01); G06N 20/00 (2019.01); G06Q 20/00 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/3674 (2013.01) [G06F 18/214 (2023.01); G06N 20/00 (2019.01); G06Q 20/4016 (2013.01); G06Q 20/405 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A computer-implemented method comprising:
obtaining, by a computing device, transaction data comprising a plurality of transactions associated with a first user;
analyzing, using a machine learning model, the transaction data by comparing the transaction data to a spend profile associated with the first user, wherein the spend profile comprises information indicating a typical spend amount associated with the first user;
using the machine learning model and based on the analyzing, identifying as a candidate multi-party transaction, a first transaction, of the plurality of transactions, having a transaction amount greater, by a threshold amount, than the typical spend amount associated with the first user;
generating, using the machine learning model and based on the spend profile, a confidence metric indicating a likelihood that the candidate multi-party transaction is a multi-party transaction, wherein the multi-party transaction comprises a transaction for a purchase shared with one or more other parties;
generating, by the computing device, a payment token for the multi-party transaction, wherein the payment token comprises a uniform resource locator (URL) link to access information on a plurality of delegation requests associated with the first transaction;
transmitting, to a user device associated with the first user and based on the confidence metric exceeding a threshold value, a notification indicating identification of the multi-party transaction; and
transmitting, to one or more devices associated with the one or more other parties, a delegation request comprising the payment token, wherein the delegation request comprises information indicating a portion of the transaction amount that the first user request payment from the one or more other parties.