User behavior-based machine learning in entity account configuration

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11475455
APP PUB NO 20220237614A1
SERIAL NO

17158492

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Importance

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Abstract

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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.

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Patent Owner(s)

  • ZENPAYROLL, INC.

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Castillon, Matthew San Francisco, US 2 1
Jain, Namrata San Francisco, US 4 2
Jolly, Sahil San Francisco, US 6 2
Levin, Yair San Anselmo, US 3 3
Lin, Kathy Houston, US 2 1
Quick, Jeanette San Francisco, US 2 1
Scanlon, Elizabeth Lee Burlingame, US 2 1
Shen, Chris Millbrae, US 2 1
Tao, David San Jose, US 55 891

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Apr 18, 2026
7.5 Year Payment $3600.00 $1800.00 $900.00 Apr 18, 2030
11.5 Year Payment $7400.00 $3700.00 $1850.00 Apr 18, 2034
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00