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US Patent 11538053 Method, system, and computer program product for applying deep learning analysis to financial device usage

Patent 11538053 was granted and assigned to Visa on December, 2022 by the United States Patent and Trademark Office.

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Patent
Patent
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Patent attributes

Patent Applicant
Visa
Visa
0
Current Assignee
Visa
Visa
0
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
115380530
Patent Inventor Names
Nikan Chavoshi0
Hao Yang0
Mahashweta Das0
Date of Patent
December 27, 2022
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Patent Application Number
169717370
Date Filed
February 23, 2018
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Patent Citations
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US Patent 10891647 Intelligent payment format and attribute package transaction processing
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US Patent 10313342 Automatic event migration
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US Patent 10796363 Customized financing based on transaction information
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US Patent 10891628 Using cognitive computing to improve relationship pricing
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US Patent 10937027 Systems and methods for managing token-based transactions
Patent Primary Examiner
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David J Stoltenberg
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Described are a system, method, and computer program product for applying deep learning analysis to predict and automatically respond to predicted changes in financial device primacy for a financial device holder. The method includes receiving transaction data representative of a plurality of transactions between the financial device holder and a merchant. The method also includes generating time series data based on the transaction data and generating a predictive model configured to: (i) receive an input of time-interval-based transaction data; and (ii) output a probability of primary financial device primacy change, the predictive model trained based on historic transaction data. The method further includes determining a probability of primary financial device primacy change for the financial device holder by applying the predictive model to the time series data. The method further includes, generating at least one communication to at least one issuer and/or the financial device holder.

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