US 12,086,784 B1
Systems and methods for accounts receivable-based batch processing
Ashish B. Kurani, Hillsborough, CA (US); James C. Noe, Charlotte, NC (US); Imran Haider, San Ramon, CA (US); Frank Fehrenbach, New York, NY (US); Guruprasadh Ragothaman, San Francisco, CA (US); Matthew C. Strader, San Francisco, CA (US); Palani Munuswamy, San Francisco, CA (US); Chandra Subramanian, San Francisco, CA (US); George Atala, San Francisco, CA (US); Mattie L. Morris, Chandler, AZ (US); Braden More, San Francisco, CA (US); Loftlon Worth, San Francisco, CA (US); and Nathan B. Coles, San Francisco, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Jan. 6, 2023, as Appl. No. 18/093,871.
Application 18/093,871 is a continuation of application No. 17/900,705, filed on Aug. 31, 2022.
Application 17/900,705 is a continuation in part of application No. 17/720,117, filed on Apr. 13, 2022.
Claims priority of provisional application 63/287,426, filed on Dec. 8, 2021.
Claims priority of provisional application 63/208,908, filed on Jun. 9, 2021.
Claims priority of provisional application 63/189,513, filed on May 17, 2021.
Claims priority of provisional application 63/174,935, filed on Apr. 14, 2021.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/22 (2012.01); G06Q 20/10 (2012.01)
CPC G06Q 20/227 (2013.01) [G06Q 20/102 (2013.01)] 20 Claims
OG exemplary drawing
 
9. A computer implemented method, comprising:
training, by a computer system, during a training phase, a machine-learning model to output scores corresponding to financing recommendations regarding invoice data, the machine-learning model trained using a training set including a plurality of data entries for invoices from a first data source and account data for a plurality of accounts from a second data source;
deploying, by the computer system, the machine-learning model responsive to outputs from the machine-learning model satisfying one or more criteria during the training phase;
receiving, by an application programming interface (API) gateway of the computer system, a first API call for a first API managed by the API gateway, the first API call including information corresponding to authentication of an enterprise application, the enterprise application being authenticated for accessing information via the API gateway of the computer system based on the information, the computer system corresponding to the second data source and the enterprise application corresponding to the first data source;
establishing, responsive to receiving the first API call and authentication of the information, a connection between the computer system and the enterprise application;
receiving, by the computer system, from the enterprise application of the first data source associated with a first entity, an enterprise resource dataset associated with the first entity, the enterprise resource dataset including invoice data for the first entity, the invoice data including a first data entry including first value and a first maturity date and a second data entry including a second value and second maturity date;
receiving, by the computer system from the second data source, accounting data corresponding to the first entity;
determining, by the computer system, a predicted future account balance at a first date based on a current account balance associated with the first entity from the accounting data, and the values and maturity dates included in the invoice data;
determining, by the computer system, by applying the predicted future account balance, the first value, the second value, the first maturity date, the second maturity date as an input to the machine-leaning model, one or more financing options including a first finance option associated with the first data entry included in the invoice data, based on a score corresponding to the one or more financing options output by the machine-learning model;
generating, by the computer system, a user interface display configured to be displayed within the enterprise application, the user interface display including the first finance option;
receiving, by the API gateway of the computer system, from the enterprise application, a second API call to a second API managed by the API gateway, the second API call indicating a selection of the first finance option;
in response to receiving the selection of the first finance option, initiating, by the computer system, a first transfer to the first entity corresponding with the first value before the first maturity date; and
initiating, by the computer system, a second transfer corresponding with the second value on the second maturity date.