US 12,008,644 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 Apr. 20, 2023, as Appl. No. 18/137,023.
Application 18/137,023 is a continuation of application No. 17/322,968, filed on May 18, 2021, granted, now 11,669,897.
Application 17/322,968 is a continuation of application No. 16/680,793, filed on Nov. 12, 2019, granted, now 11,023,967, issued on Jun. 1, 2021.
Prior Publication US 2023/0252559 A1, Aug. 10, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06F 16/25 (2019.01); G06N 5/01 (2023.01); G06Q 40/03 (2023.01)
CPC G06Q 40/03 (2023.01) [G06F 16/258 (2019.01); G06N 5/01 (2023.01)] 20 Claims
OG exemplary drawing
 
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:
determine user data associated with an estimated monthly expenses of a user, an estimated monthly income of the user, an estimated emergency fund level of the user, and an estimated high interest debt level of the user, wherein at least a portion of the user data is in a non-compliant format; and
convert the portion of the user data in the non-compliant format into a compliant format;
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 user data having the converted portion;
determine, based on the user data having the converted portion, a financial action for the user, wherein determining the financial action comprises determining results for each branch of a decision tree that associates the financial action with combinations of values of the estimated monthly expenses, the estimated monthly income, the estimated emergency fund level, and the estimated high interest debt level; and
cause, via a guidance user interface, an output of the financial action.