{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11475455","patent":{"patent_number":"US-11475455","title":"User behavior-based machine learning in entity account configuration","assignee":null,"inventors":[],"filing_date":"2021-01-26T00:00:00.000Z","publication_date":"2022-10-18T00:00:00.000Z","cpc_codes":["G06Q","G06N","G06N","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":11,"abstract":"A flexible advance system allows users to request and receive advances instantly. The flexible advance system facilitates intra-system transfers between a third-party entity and employee accounts at a third-party system by generating and providing funding instructions to the third-party entity. Funding instructions include a funding amount that the flexible advance system predicts using one or more machine-learned models that account for seasonality and time delays. In executing the instructions from the flexible advance system, the third-party entity transfers funds to its entity account with the third-party system based on the funding amount. Once the flexible advance system receives an indication that the third-party entity has executed the instructions, the flexible advance system authorizes users of the flexible advance system to request short-term advances. The flexible advance system processes short-term advances such that corresponding funds are immediately transferred from the entity account of the third-party entity to employee accounts without delay."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"User behavior-based machine learning in entity account configuration","description":"A flexible advance system allows users to request and receive advances instantly. The flexible advance system facilitates intra-system transfers between a third-party entity and employee accounts at a","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11475455","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-11475455","citation_suggestion":"Patentable. \"User behavior-based machine learning in entity account configuration\" (US-11475455). https://patentable.app/patents/US-11475455","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11475455","json":"https://patentable.app/api/llm-context/US-11475455","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T16:45:14.228Z"}