Patent ID: 11948190
Assignee: CITIZENS FINANCIAL GROUP, INC.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 15:
16. A method comprising:
linking, by a server in communication with one or more information source systems via at least one network, one or more electronic data accounts associated with a user, the user being associated with a user device;
monitoring, by the server, transactional data among the one or more information source systems and the linked accounts for any changes in spending activity associated with the user;
generating a user specific prediction model for the user by:
identifying historical activity of the user from the one or more linked electronic data accounts,
identifying further historical activity of other users with similar demographics to the user,
learning, by the user specific prediction model, financial activity patterns and behavior of the user based at least on the historical activity of the user, and
learning, by the user specific prediction model, further financial activity patterns and further behavior of the other users based on the further historical activity of the other users;
predicting, via the user specific prediction model, a behavioral activity of the user based on at least one of the monitored transactional data and historical transactional data associated with the user, the predicted behavioral activity including one or more predicted problems and deficiencies in at least one among the linked accounts associated with the user;
analyzing, via the user specific prediction model, the activity patterns of both the user and the other users,
generating, by the server, at least one notification instruction specific to the user based on the predicted behavioral activity and the analyzed activity patterns, the at least one notification instruction including at least one of an alert and a suggestion, the suggestion identifying one or more system features and functions configured for avoiding at least one among the one or more predicted problems and deficiencies;
unlocking, by the server, at least one among the one or more system features and functions;
generating, by the server, an interactive graphical user interface (GUI) for display on the user device, the interactive GUI presenting one or more of the at least one notification instruction and a user profile of the user among the linked accounts; and
dynamically updating, by the server, the interactive GUI to reflect real-time changes in at least one of the at least one notification instruction, the monitored transactional data, the user profile and the predicted behavioral activity.