Samuel B Sharpe

US Patent:

20230013086, Jan 19, 2023

Filed:

Sep 19, 2022

Appl. No.:

17/947216

Inventors:

- McLean VA, US
Grant Eden - San Francisco CA, US
Brian Barr - Schenectady NY, US
Samuel Sharpe - Cambridge MA, US
Anh Truong - Champaign IL, US
Austin Walters - Columbia TN, US

International Classification:

G06Q 40/02
G06F 9/451
G06N 3/04
G06N 3/08

Abstract:

Disclosed embodiments may include a method and system for automated incremental payments. The system may identify recurring charges from historical account data. Based on the recurring charges and an incremental period, the system may calculate an incremental amount and expected amount. At each iteration of the incremental period, the incremental amount may be assigned to a savings bucket. The value of the savings bucket may be subtracted from an actual account balance to calculate a reduced account balance. The system may generate and transmit a graphical user interface to a user device showing the reduced account balance. The system may receive current data containing a charge that corresponds to the recurring charges. The system may reduce the value of the savings bucket by the amount of the current data charge. If the current data charge is different from the expected amount, the system may adjust the incremental amount accordingly.