/Automated Billpay Based On Cross-provider Performance Information
Abstract

A method includes identifying user activity data and one or more performance indicators of a user, processing the user activity data and the one or more performance indicators using one or more machine learning models to generate a user data structure representing one or more relationships between the processed user activity data and the one or more performance indicators, predicting at least one future activity of the user that will impact the one or more performance indicators, determining an actionable activity to be performed based on the predicted at least one future activity of the user, generating and presenting a graphical user interface (GUI) comprising at least one actionable element and at least one message associated with the actionable activity, and executing the actionable activity responsive to a selection of the at least one actionable element by the user.

Full Text

What is claimed is:

A method includes identifying user activity data and one or more performance indicators of a user, processing the user activity data and the one or more performance indicators using one or more machine learning models to generate a user data structure representing one or more relationships between the processed user activity data and the one or more performance indicators, predicting at least one future activity of the user that will impact the one or more performance indicators, determining an actionable activity to be performed based on the predicted at least one future activity of the user, generating and presenting a graphical user interface (GUI) comprising at least one actionable element and at least one message associated with the actionable activity, and executing the actionable activity responsive to a selection of the at least one actionable element by the user.
Timeline
Filed
06/15/2026
Published
10/01/2026
Granted
Not Available
IPC Codes(2)
G06Q 20/40:Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
H04L 67/50:Network services