Credit Card Spend Tracking With ML Reminders and One-Click Actions

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Solution Overview

Problem

Users often struggle to manually track and meet the minimum spend requirements for credit card promotional offers, as the promotional time limits may not align with billing cycles and require constant manual monitoring, lacking reminders and personalized suggestions for spending.

Innovation Solution

A computer-based system utilizing machine learning algorithms to analyze user spending habits, provide reminders, suggest relevant transactions, and offer one-click solutions to meet minimum spend requirements, integrating with smart assistants and location services for personalized assistance.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If users manually track and monitor spending to meet minimum spend requirements, then they can achieve promotional rewards, but this requires constant manual monitoring and time investment

Engineering Contradiction:

Improveefficiency in achieving promotional rewardsVSAvoidtime required for constant manual monitoring

Core Design Contradiction:

ProductivityVSLoss of time

Solution Approach 1:

The system automatically tracks user spending, monitors promotional requirements, and provides recommendations without requiring manual user intervention. The computer continuously analyzes transaction data and compares it against promotional targets, enabling the system to serve itself in monitoring and reporting functions.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The system provides continuous feedback to users about their spending progress toward promotional targets. It generates notifications and recommendations based on real-time analysis of transaction data, allowing users to adjust their spending behavior to meet minimum requirements efficiently.

Inventive Principle:

Principle #23Feedback

2Reliability

If the system provides personalized spending recommendations, then user compliance with promotional requirements improves, but the system complexity increases

Engineering Contradiction:

Improveuser compliance with promotional requirementsVSAvoidsystem complexity for analyzing spending habits

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The system pre-calculates spending recommendations and identifies optimal transactions before users make spending decisions. By analyzing historical spending patterns and promotional requirements in advance, the system prepares personalized recommendations that guide users toward meeting their targets.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system acts as an intermediary between users and promotional requirements, translating complex spending targets into simple, actionable recommendations. It processes raw transaction data and promotional terms through analytical algorithms to generate user-friendly guidance.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Adaptability or versatility

If the system integrates with multiple computing systems and entities, then it can provide more comprehensive transaction suggestions, but the integration complexity increases

Engineering Contradiction:

Improvecomprehensiveness of transaction suggestionsVSAvoidintegration complexity with distinct computing systems

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system is designed to interface with multiple types of computing systems and data sources through standardized protocols. It can process transactions from various entities and platforms, making it universally applicable across different financial institutions and promotional programs.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system segments the complexity of multi-system integration by handling different data sources and entities as separate, modular components. Each integration point can be independently configured and managed, allowing comprehensive coverage without overwhelming system complexity.

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS12387260B2Computer-based systems and platforms and computer-implemented methods configured for tracking data objects behaviours and utilizing graphical user interface elements to execute numerous electronic activities with a single instruction

Publication Date: 2025.08.12 CAPITAL ONE SERVICES LLC

AI summary

Systems and methods involving computer-based processing for helping customers meet their minimum spend requirement for their introductory credit card offer are disclosed. In one embodiment, an exemplary computer-implemented method may comprise: receiving a total spending amount of a promotional credit card associated with an introductory credit card offer; determining a critical amount to satisfy the minimum spending amount of the promotional credit card; and causing to present a reminder on a screen of a user-associated computing device.