Electronic transactional data based predictive system

Abstract

Past electronic records may be studied using a computer learning algorithm in order to make predictions of future use of the electronic accounts.

Description

Background technique [0001] Electronic accounts, including electronic payment accounts, are useful for tracking data and eliminating paper usage. Electronic records may be reviewed and researched. In some cases, people stop using electronic accounts. Publishers of these electronic accounts may be disappointed because they want people to keep using them. By studying past patterns of electronic accounts that have been deactivated, predictions can be made about accounts that may be deactivated in the future. Contents of the invention [0002] Past electronic records can be studied in a prescribed manner in order to predict future use of electronic accounts. In one embodiment, an account can be researched for signs of deactivation and an account can be researched for a decrease in transactions. Accounts may be given a value based on possible deactivation and possible reduction in transactions. Accounts can be grouped by value, and the accounts with the highest value can be ...

AI Technical Summary

Problems solved by technology

Publishers of these electronic accounts may be disappointed because they want people to keep using electronic accounts

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