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1. (WO2018222863) METHOD FOR PREDICTING BUSINESS INCOME FROM USER TRANSACTION DATA
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Pub. No.: WO/2018/222863 International Application No.: PCT/US2018/035383
Publication Date: 06.12.2018 International Filing Date: 31.05.2018
IPC:
G06Q 40/00 (2006.01) ,G06Q 10/10 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
10
Administration; Management
10
Office automation, e.g. computer aided management of electronic mail or groupware; Time management, e.g. calendars, reminders, meetings or time accounting
Applicants:
INTUIT INC. [US/US]; 2700 Coast Avenue Mountain View, California 94043, US
Inventors:
CHEN, Meng; US
PEI, Lei; US
JENNINGS, Zachary Grove; US
HO, Ngoc Nhung Thi; US
Agent:
LORD, Robert P.; US
MCCARTHY, Mark; US
VICERE, Annemarie; Ferguson Braswell Fraser Kubasta PC 9 Greenway Plaza, Suite 500 Houston, Texas 77046, US
Priority Data:
15/610,59631.05.2017US
Title (EN) METHOD FOR PREDICTING BUSINESS INCOME FROM USER TRANSACTION DATA
(FR) PROCÉDÉ DE PRÉDICTION DE REVENU COMMERCIAL À PARTIR DE DONNÉES DE TRANSACTION D'UTILISATEUR
Abstract:
(EN) A method includes obtaining data related to a plurality of historical transactions, where each historical transaction is associated with a label based on a click stream created by the first user, generating a vector of features from the data related to each historical transaction, training, using the vectors and labels, a multinomial classifier to generate a probability that a specific transaction belongs to a specific classification with respect to income, obtaining data related to a new transaction from a financial stream for a second financial account of a second user of the financial service, generating a new vector of features from the data related to the new transaction, determining a classification with respect to income for the new transaction, and presenting the classification to the second user for review in a view of a graphical user interface.
(FR) Un procédé selon l'invention consiste à obtenir des données relatives à une pluralité de transactions historiques, chaque transaction historique étant associée à une étiquette sur la base d'un flux de clics créé par le premier utilisateur, générer un vecteur de caractéristiques à partir des données relatives à chaque transaction historique, entraîner, à l'aide des vecteurs et des étiquettes, un classificateur multinomial pour générer une probabilité qu'une transaction spécifique appartienne à une classification spécifique par rapport au revenu, obtenir des données relatives à une nouvelle transaction à partir d'un flux financier pour un second compte financier d'un second utilisateur du service financier, générer un nouveau vecteur de caractéristiques à partir des données relatives à la nouvelle transaction, déterminer une classification par rapport au revenu pour la nouvelle transaction, et présenter la classification au second utilisateur pour un examen sur une vue d'une interface utilisateur graphique.
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)