CONSUMER FINANCIAL BEHAVIOR MODEL GENERATED BASED ON HISTORICAL TEMPORAL SPENDING DATA TO PREDICT FUTURE SPENDING BY INDIVIDUALS
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United States of America Patent
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app pub date -
Apr 11, 2014
filing date -
Aug 22, 2008
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Abandoned
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Abstract
A method for selecting a next action includes reading transaction data, determining insights and relationships between a first entity and a second entity from the collected transaction data. Once these relationships and insights have been determined, the possibility of a future event occurring in one of a number of selected time periods can be determined using a predictive time-to-event component. A system for selecting a next action includes a memory for storing transaction data, an insight/relationship determination module, and a predictive time-to-event module. The memory, the insight/relationship determination module and the predictive time-to-event module carry out the above method. A programmable media having an instruction set can also cause a machine to carry out the above method.
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