Patent Document ID: 20150206252
Application ID: 14601631
Patent Flag: 0

Claim One:
1. A system comprising: a financial data storage that stores internal account data, external account data, and transaction data; a communications interface that receives, via a network, external account data from an external data source and transaction data from a merchant; a database manager that cooperates with the communications interface to store the received external account data in the financial data storage and the received transaction data from the merchant; an account balance prediction processor that determines a recurring financial transaction based on at least one of: the internal account data, the external account data, and the transaction data, determines recurring income data based on at least one of: the internal account data and the external account data, determines a predicted financial transaction using a predictive model based on the at least one recurring financial transaction, a prediction time period, and at least one trending data, determines a predicted income using a predictive model based on the recurring income data and the prediction time period, and calculates a predicted account balance based on the total predicted financial transactions and the predicted income; a transaction monitor that receives actual financial transaction data and actual income data, compares the actual financial transaction data with the predicted financial transaction, and compares the actual income data with the predicted income data; and an alert transmitter that transmits, via a network in cooperation with the communications interface, an alert to an account holder based on the comparison.