US 12,112,369 B2
Transmitting proactive notifications based on machine learning model predictions
Stephen Jordan, Burke, VA (US); Brad Giska, Richmond, VA (US); Marisa Lee, Washington, DC (US); Erik Virbitsky, Washington, DC (US); Sean Easter, White Bear Lake, MN (US); and James Ricks, Richmond, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on May 17, 2021, as Appl. No. 17/302,957.
Prior Publication US 2022/0366488 A1, Nov. 17, 2022
Int. Cl. G06Q 40/02 (2023.01); G06N 5/04 (2023.01); G06N 20/00 (2019.01); G06Q 20/10 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 40/02 (2013.01) [G06N 5/04 (2013.01); G06N 20/00 (2019.01); G06Q 20/108 (2013.01); G06Q 20/354 (2013.01); G06Q 20/4037 (2013.01); G06Q 20/405 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system for transmitting proactive notifications based on machine learning model predictions, the system comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
train a machine learning model based on information included in one or more entries, that are respectively associated with one or more reoccurring events, of historical data;
identify, using the machine learning model, a series of recurring events associated with an account;
generate, using the machine learning model, a prediction of a future date on which a predicted event, of the series of recurring events, is to occur,
wherein the machine learning model processes a set of entries from the series of recurring events to generate the prediction of the future date on which the predicted event associated with the series of recurring events is to occur and output a confidence score in connection with the predicted event;
determine, using the machine learning model, a predicted amount of the predicted event in connection with the future date;
determine that a current date is within a threshold number of days of the future date based on the prediction of the future date;
determine that a current balance, associated with the account, is within a threshold amount of a limit associated with the account,
wherein the threshold amount is based on the predicted amount associated with the predicted event;
transmit, to a user device, a notification based on determining that the current date is within the threshold number of days of the future date, the confidence score, and that the current balance is within the threshold amount of the limit associated with the account,
wherein the notification includes information for presentation of one or more input elements, to be presented by the user device; receive an indication from the user device based on the information;
selectively retrain the machine learning model; and
perform an action based on the indication,
wherein the action includes one or more of:
cause a transfer to occur to reduce the current balance of the account based on the predicted amount,
cause the limit associated with the account to be increased,
cause the user device to load a cancelation webpage, or
cause one or more card service actions to occur.