US 12,346,907 B2
Predicting capital needs
Jacqueline Reses, Woodside, CA (US); Audrey Kim, San Francisco, CA (US); Theodore Kosev, Seattle, WA (US); and Andy Montgomery, San Francisco, CA (US)
Assigned to Block, Inc., Oakland, CA (US)
Filed by BLOCK, INC., Oakland, CA (US)
Filed on Nov. 13, 2023, as Appl. No. 18/388,983.
Application 18/388,983 is a continuation of application No. 17/240,020, filed on Apr. 26, 2021, granted, now 11,853,921.
Application 17/240,020 is a continuation of application No. 16/526,888, filed on Jul. 30, 2019, granted, now 10,990,980, issued on Apr. 27, 2021.
Claims priority of provisional application 62/865,595, filed on Jun. 24, 2019.
Prior Publication US 2024/0152928 A1, May 9, 2024
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/10 (2012.01); G06Q 40/02 (2023.01); G06Q 40/03 (2023.01); G06Q 40/12 (2023.01)
CPC G06Q 20/405 (2013.01) [G06Q 20/108 (2013.01); G06Q 40/02 (2013.01); G06Q 40/03 (2023.01); G06Q 40/12 (2013.12); G06Q 40/128 (2013.12)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
at least one memory storing instructions; and
at least one processor that executes the instructions to perform operations comprising:
accessing, by the at least one processor, a data structure including historical account data for a plurality of accounts of a plurality of users over time;
training, by the at least one processor, at least one predictive machine learning model based on training data extracted at least from the data structure to generate at least one trained predictive machine learning model, the training data including the historical account data associated with the plurality of accounts of the plurality of users, the at least one trained predictive machine learning model trained based on the training data to determine account balance thresholds over which funds in user accounts are to be predicted to be surplus;
processing, by the at least one processor, account data associated with a first account using the at least one trained predictive machine learning model to determine an account balance threshold for the first account over which a portion of funds in the first account are predicted to be surplus funds for a period of time, wherein the first account is associated with a user of the plurality of users, wherein the plurality of accounts includes the first account;
causing, by the at least one processor, a user device of the user to present a user interface that indicates predicted expenses and predicted income for a plurality of periods of time including the period of time, wherein the user interface identifies the surplus funds for the period of time, and wherein the user interface includes an interactive element for indicating disposition of the surplus funds; and
in response to receiving an indication of an action to perform with respect to the surplus funds via the interactive element of the user interface, automatically sending, by the at least one processor, at least one instruction for performing the indicated action to improve a yield associated with the surplus funds.