Intelligent credit card consumption detail classification and prompt system

Abstract

The embodiments disclosed herein provide an intelligent credit card transaction detail classification and notification system. The system includes input / output devices and a processor. The processor includes a real-time interaction module, a transaction featureization module, and a transaction classification prediction model. The real-time interaction module generates supplementary transaction records. The transaction featureization module generates a feature data lookup table. The transaction classification prediction model uses a lightweight gradient boosting machine classifier and generates transaction classification results and corresponding confidence values ​​based on the feature data lookup table.

Claims

1. A smart credit card transaction details classification and notification system, comprising: An input / output device configured to receive a plurality of operation signals; The device also includes a processor communicatively connected to the input / output device, wherein the processor comprises: a real-time interaction module configured to provide a consumption prompt message to the input / output device to generate a supplementary consumption record; a consumption characterization module signalically connected to the real-time interaction module, configured to convert the supplementary consumption record into a numerical value, a coded feature, or a combination thereof to generate a feature data lookup table; and a consumption classification prediction model signalically connected to the real-time interaction module, configured to perform a consumption classification prediction using a lightweight gradient boosting machine classifier and based on the feature data lookup table, and generate a consumption classification result and a confidence value corresponding to the consumption classification result.

2. The intelligent credit card transaction details classification and reminder system as described in claim 1, wherein the real-time interactive module is further configured to automatically retrieve multiple transaction records from a credit card transaction record database, compare each transaction record with the supplementary transaction record, and match each transaction record with the supplementary transaction record to generate the supplementary transaction record.

3. The intelligent credit card transaction details classification and notification system as described in claim 1, wherein the processor is connected in series with a credit card transaction record database and an electronic invoice database, and the credit card transaction record database includes a plurality of transaction records, and the electronic invoice database includes a plurality of domestic transaction records, wherein the processor further includes: A data import module is configured to import and aggregate the credit card transaction records and the electronic invoice database to generate aggregated transaction data.

4. The smart credit card transaction details classification and notification system as described in claim 3, wherein the transaction records include a transaction date, a posting date, a transaction description, a transaction details, a transaction amount, a currency, a transaction country, a conversion date, or a combination thereof.

5. The smart credit card transaction details classification and notification system as described in claim 3, wherein the domestic transaction records include a transaction date, a posting date, a transaction description, a transaction details, a transaction amount, or a combination thereof.

6. The smart credit card transaction details classification and notification system as described in claim 3, wherein the transaction feature module is further connected to the data import module and is further configured to convert the aggregated transaction data into the numerical value, the coded feature, or a combination thereof to generate the feature data lookup table, and wherein the transaction classification prediction model is further connected to the data import module and is further configured to use the lightweight gradient boosting machine classifier and perform the transaction classification prediction based on the feature data lookup table, and generate the transaction classification result and the confidence value corresponding to the transaction classification result.

7. The smart credit card spending details classification and notification system as described in claim 1, wherein when the spending classification prediction model determines that the confidence value is lower than a preset threshold, the spending classification prediction model is further configured to send a feedback request message to the input / output device.

8. The smart credit card transaction details classification and notification system as described in claim 7, wherein the processor further comprises: A training optimization module is signal-connected to the consumer classification prediction model and the real-time interaction module, configured to continue training the consumer classification prediction model using the feedback request message returned by the input / output device.

9. The intelligent credit card transaction details classification and notification system as described in claim 1, wherein the transaction feature module is further configured to standardize and quantify a merchant name, an amount group, a time period feature, a location type feature, or a combination thereof, and provide a feature data comparison table.

10. The smart credit card transaction details classification and notification system as described in claim 1, wherein the transaction classification result includes a transaction date, a posting date, a transaction description, a transaction details, a transaction amount, a currency, a transaction country, a conversion date, or a combination thereof.

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