Patents by Inventor Jeremy D. Rephlo

Jeremy D. Rephlo has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • System and method for account transaction and balance prediction
    Patent number: 10713733
    Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.
    Type: Grant
    Filed: October 29, 2018
    Date of Patent: July 14, 2020
    Assignee: CAPITAL ONE SERVICES, LLC
    Inventors: Jeremy D. Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart
  • SYSTEM AND METHOD FOR ACCOUNT TRANSACTION AND BALANCE PREDICTION
    Publication number: 20190066229
    Abstract: A system includes a financial data storage that stores internal account data, external account data, and transaction data, a communications interface configured to receive external account data from an external data source and transaction data from a merchant, and a database manager that cooperates with the communications interface to store the external account data and the transaction data. The system also includes an account balance prediction processor configured to identify recurring expense transaction(s) and recurring income transaction(s) and update them based on user input, determine predicted expense transaction(s) and a predictive income using a predictive model, and calculate a predicted account balance. The system also includes a transaction monitor configured to compare one or more actual expense transactions with one or more predicted expense transactions, and an alert transmitter configure to generate and transmit one or more alerts based on the comparison.
    Type: Application
    Filed: October 29, 2018
    Publication date: February 28, 2019
    Inventors: Jeremy D. Rephlo, Daniel L. Struble, Mohamed Lafeer, Robert D. Rowley, Nondini A. Naqui, Sarah Calandro, Colin Hart