Patent ID: 11941234
Assignee: TRUIST BANK
Field: nan (nan)
Classification: CPC nan | IPC G

Claim 13:
14. A method for managing transactions in an online credit card application, said method comprising:
providing a back-end server operating the online application and including:
at least one processor employing a machine learning model for processing data and information;
a communications interface communicatively coupled to the at least one processor; and
a memory device storing data and executable code, said method causing the at least one processor to:
link one or more external bank accounts to the online application;
provide a list of transactions that were made using the credit card;
enable a user to select one or more of the transactions in the list to be paid independent of the other transactions; and
enable the user to pay the selected transactions using the one or more external bank accounts; said method further comprising:
training the machine learning model by clustering algorithms using unsupervised learning clustering of data such as external bank accounts to the online application;
performing a cluster model to group external bank accounts to online application points based on similarities using unlabeled data;
acquiring receiving data, such as user select transactions in the list to be paid; and
entering termed data ingestion, wherein when versioning incoming data, if new data is subsequently collected and entered, a new model will be generated and preprocessing will be updated.