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    • 2. 发明申请
    • SYSTEMS AND METHODS FOR DEBT MANAGEMENT WITH SPENDING RECOMMENDATION
    • US20230093371A1
    • 2023-03-23
    • US18057522
    • 2022-11-21
    • Capital One Services, LLC
    • Austin WALTERSVincent PHAMJeremy GOODSITT
    • G06Q40/02G06N20/00G06Q20/32
    • A computer-implemented method may include: receiving financial information regarding a user; categorizing transaction information of the user based on the financial information; displaying the categorized transaction information of the user; receiving information regarding at least one financial preference and at least one transaction preference of the user; training a machine learning engine based on the at least one financial preference and at least one transaction preference of the user to determine one or more activities available to the user; calculating, for each of the one or more activities available to the user, an estimated influence on the at least one financial preference; displaying the estimated influence on the at least one financial preference based on a user selected one of the one or more activities available to the user; filtering the one or more activities available to the user with a positive estimated influence to the at least one financial preference; and presenting a recommendation of action relating to the one of the one or more activities available to the user, wherein the recommendation of action relating to the one of the one or more activities available to the user is presented by at least one of voice notification, application notification, tactile notification, or graphic notification.