COMPUTER PROCESSING OF FINANCIAL PRODUCT INFORMATION AND INFORMATION ABOUT CONSUMERS OF FINANCIAL PRODUCTS

摘要

Among other things, there is regularly received through a communication network from providers of financial products or from an aggregator or both, current information about transactions that occur in accounts of consumers of financial products that are maintained with providers of the financial products. The received current transaction information is stored in a database of information about the respective consumers. Machine learning is applied to the stored transaction information and other information about the consumers in the database to generate model profiles of transactions in accounts of corresponding categories of consumers for corresponding financial products. As current information about transactions is received, transactions that have occurred in the accounts of the consumers of the financial products are analyzed using the model profiles for the applicable categories of customers and financial products. Each of the consumers for whom transactions occurred that did not conform to the corresponding model profile is alerted through a communication network.

主权项

1. A computer-implemented method comprising
regularly receiving through a communication network from providers of financial products or from an aggregator or both, current information about transactions that occur in accounts of consumers of financial products that are maintained with providers of the financial products, storing the received current transaction information in a database of information about the respective consumers, applying machine learning to the stored transaction information and other information about the consumers in the database to generate model profiles of transactions in accounts of corresponding categories of consumers for corresponding financial products, as current information about transactions is received, analyzing transactions that have occurred in the accounts of the consumers of the financial products using the model profiles for the applicable categories of customers and financial products, and alerting through a communication network each of the consumers for whom transactions occurred that did not conform to the corresponding model profile.