Patent ID: 11861694
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: Computer technology (Electrical engineering)
Classification: CPC G | IPC G

Claim 6:
7. A non-transitory computer storage medium encoded with computer program instructions that when executed by one or more computers cause the one or more computers to perform operations comprising:
receiving training data including (i) transaction histories of a plurality of users during a specific period of time, and (ii) for each of the plurality of users, data specifying unexpected expenses that occurred to the respective user during the specific period of time;
training a neural network to predict an unexpected expense for a given transaction history using a supervised learning technique based on the training data, wherein the neural network is configured to receive as input the given transaction history and to process the input to generate an output that specifies a specified expense for the given transaction history, wherein the neural network comprises a plurality of artificial neurons that are connected through edges and are aggregated into a plurality of neural network layers comprising at least an input layer and an output layer, wherein each of the edges is configured to transmit a signal from one artificial neuron to another artificial neuron, and wherein an output of each of the plurality of artificial neurons is computed by a specified function of a sum of inputs of the artificial neuron in accordance with a plurality of weights;
setting values of the plurality of weights based on the training of the neural network;
receiving new data indicating a list of historic transactions of a particular user from a plurality of financial institutions;
processing the new data using the plurality of artificial neurons in the trained neural network in accordance with the values of the plurality of weights to identify at least one specified expense for the particular user, wherein the artificial neurons in the input layer are configured to receive the new data as input and the artificial neurons in the output layer are configured to generate output that identifies the at least one specified expense;
determining a plan to account for the at least one specified expense; and
automatically transferring an amount from a first account of the particular user to a second account of the particular user based on the plan.