METHODS AND SYSTEMS FOR PROCESSING AND COMMUNICATING FINANCIAL TRANSACTION DATA

Patent №

US 8,024,243

Granted

2011-09-20

Filed 2010

Owner

THE PNC FINANCIAL SERVICES GROUP, INC.

Lab

AI components

2

ml · planning

Assignment

Recorded

Dataset

AIPD

2023_r1 edition

Application

12774394

Methods and systems are provided for processing the financial information of a client of a financial institution. One method embodiment includes receiving data from an overdraft data source including at least one overdraft occurrence associated with a transaction performed in association with the client; analyzing the overdraft occurrence in an overdraft application to determine a cause and disposition of the overdraft occurrence in connection with the cause of the overdraft occurrence; and, communicating an overdraft report associated with the analyzing step to a manager associated with the client. Additional system and computer-readable medium embodiments of the present methods are also provided. In another aspect of the present methods and systems, historical overdraft issues are analyzed and reported to the management of a financial institution. System and computer-readable medium embodiments of these analysis and reporting methods are also provided.

Machine learningPlanningG06Q 40/02G06Q 20/10G06Q 20/108G06Q 40/00

AI classification

Planning1.00
Machine learning0.58
Natural language0.36
Knowledge representation0.05
Evolutionary computation0.00
AI hardware0.00
Vision0.00
Speech0.00

Ownership

THE PNC FINANCIAL SERVICES GROUP, INC.

assignment · 243430262

Assignors

LEGO, MICHAEL J., KALLET, KATHERINE, BENGTSON, KATINA

On an employer assignment, the assignors are typically the inventors.

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