{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-10521856","patent":{"patent_number":"US-10521856","title":"Categorizing financial transactions based on spending patterns","assignee":null,"inventors":[],"filing_date":"2013-09-19T00:00:00.000Z","publication_date":"2019-12-31T00:00:00.000Z","cpc_codes":["G06Q","G06Q"],"num_claims":16,"abstract":"During operation of a system, a financial transaction of an individual is associated with one or more predefined categories based on scores that indicate the likelihood of association. For example, a given predefined category may include a merchant name (such as the name of a potential counterparty in the financial transaction) and/or an attribute associated with one or more merchants. The score for a given predefined category may be determined based on a number of occurrences of the given predefined category in financial-transaction histories of a subset of a group of individuals who have common spending patterns in their financial-transaction histories. Moreover, the spending pattern may be based on values of financial transactions in the financial-transaction histories."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Categorizing financial transactions based on spending patterns","description":"During operation of a system, a financial transaction of an individual is associated with one or more predefined categories based on scores that indicate the likelihood of association. For example, a ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-10521856","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-10521856","citation_suggestion":"Patentable. \"Categorizing financial transactions based on spending patterns\" (US-10521856). https://patentable.app/patents/US-10521856","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-10521856","json":"https://patentable.app/api/llm-context/US-10521856","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T02:40:46.951Z"}