{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11526859","patent":{"patent_number":"US-11526859","title":"Cash flow forecasting using a bottoms-up machine learning approach","assignee":null,"inventors":[],"filing_date":"2020-09-04T00:00:00.000Z","publication_date":"2022-12-13T00:00:00.000Z","cpc_codes":["G06Q","G06F","G06N","G06N","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q","G06Q"],"num_claims":16,"abstract":"A method and apparatus for improving the management of cash and liquidity of an organization utilizing a plurality of ledger accounts and a plurality of currency accounts is described. One improvement in the accuracy of the forecasts comes from the uses of individual ledger accounts. The improvements optimize the interest earnings for the cash balances in each currency account and minimizes the expenses related to funding the currency accounts. Machine learning techniques are incorporated to forecast payments, receipts, interest rates, and currency exchange rates, and then the cash is transferred or borrowed or loaned to fund the payments and utilize available cash."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Cash flow forecasting using a bottoms-up machine learning approach","description":"A method and apparatus for improving the management of cash and liquidity of an organization utilizing a plurality of ledger accounts and a plurality of currency accounts is described. One improvement","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11526859","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-11526859","citation_suggestion":"Patentable. \"Cash flow forecasting using a bottoms-up machine learning approach\" (US-11526859). https://patentable.app/patents/US-11526859","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11526859","json":"https://patentable.app/api/llm-context/US-11526859","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T08:38:29.588Z"}