ML Compensation Prediction for Resource Optimization

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Solution Overview

Problem

Existing systems face resource consumption issues when handling unexpected changes in compensation deposits, leading to insufficient funds for automated services, which can result in costly servicing actions.

Innovation Solution

A monitoring platform uses machine learning models to predict future compensation information, determine inconsistencies, and identify reasons for discrepancies, enabling proactive actions to minimize resource usage and prevent unnecessary servicing actions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If machine learning models are used to predict future compensation information, then the ability to anticipate changes and perform proactive actions is improved, but the processing resources and computational complexity required increase

Engineering Contradiction:
Improveprediction accuracyVSAvoidprocessing complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The system performs preliminary actions by predicting future compensation information before actual changes occur. The machine learning models analyze historical data and employment information to forecast future compensation deposits, allowing the system to prepare proactive actions in advance (such as adjusting account settings or notifying users) before the actual compensation changes are received, thereby improving reliability while managing complexity through advance planning

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system implements feedback mechanisms where predicted compensation information is compared against actual compensation deposits. When discrepancies are detected, the system analyzes the differences and updates its models accordingly. This feedback loop allows continuous improvement of prediction accuracy while the system learns from past errors to reduce future computational requirements

Inventive Principle:
Principle #23Feedback

Solution Approach 3:

The processing complexity is segmented into distinct phases: data collection, model training, prediction generation, consistency checking, and action execution. By dividing the overall process into manageable segments, the system can optimize each phase independently and reduce overall computational burden while maintaining high prediction accuracy

Inventive Principle:
Principle #1Segmentation

2Measurement precision

If the system monitors and analyzes compensation deposit changes in detail, then the detection precision of inconsistencies is improved, but the processing resource consumption increases

Engineering Contradiction:
Improvedetection precisionVSAvoidprocessing resource consumption
Core Design Contradiction:
Measurement precisionVSUse of energy by moving object

Solution Approach 1:

The system applies partial action by focusing analysis only on specific aspects of compensation changes that are most likely to indicate inconsistencies. Rather than exhaustively analyzing every possible parameter, the machine learning models prioritize features with highest predictive value, achieving high detection precision while reducing processing resource consumption by ignoring less relevant data

Inventive Principle:
Principle #16Partial or excessive action

Solution Approach 2:

The system dynamically adjusts monitoring parameters based on the context and importance of different compensation types. By changing the level of detail and parameters analyzed according to the specific compensation deposit characteristics, the system achieves high detection precision for critical changes while minimizing processing resources spent on less significant variations

Inventive Principle:
Principle #35Parameter changes

3Productivity

If proactive actions are taken based on predicted compensation changes, then the need for costly servicing actions is reduced, but the accuracy of predicting compensation information must be maintained at high levels

Engineering Contradiction:
Improveaccount management efficiencyVSAvoidprediction accuracy
Core Design Contradiction:
ProductivityVSReliability

Solution Approach 1:

The system takes preliminary actions based on predicted compensation changes, such as pre-adjusting account settings, pre-notifying users, or pre-preparing for expected changes. This allows the system to improve productivity by avoiding reactive servicing actions while maintaining high prediction accuracy through continuous model training on historical data

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The system uses feedback from actual compensation deposits to validate and refine predictions. By continuously comparing predicted versus actual values and updating models accordingly, the system maintains high prediction accuracy while enabling proactive actions that improve account management efficiency and reduce the need for costly corrective servicing

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS11514414B2Performing an action based on predicted information
Publication Date: 2022.11.29 CAPITAL ONE SERVICES LLC
  • US11514414B2 patent drawing
  • US11514414B2 patent drawing
  • US11514414B2 patent drawing

AI summary

A device may obtain user information associated with a user and first account information associated with the user. The device may determine, based on the user information, user employment information and may determine, based on the first account information, user compensation information. The device may process, using a first machine learning model, the user employment information and the user compensation information to determine predicted future user compensation information. The device may obtain second account information associated with the user and may determine, based on the second account information, new user compensation information. The device may determine whether the new user compensation information is consistent with the predicted future user compensation information. The device may determine a predicted reason for the new user compensation information not being consistent with the predicted future user compensation information. The device may cause, based on the predicted reason, at least one action to be performed.