US Patent Issued to BANK OF MONTREAL on May 13 for "Artificial intelligence modeling to predict electronic account data" (Canadian Inventors)

ALEXANDRIA, Va., June 12 -- United States Patent no. 12,299,727, issued on May 13, was assigned to BANK OF MONTREAL (Toronto).

"Artificial intelligence modeling to predict electronic account data" was invented by Seyed Masoud Nosrati (Toronto), Evgene Vahlis (Toronto), Seyed Hamed Yaghoubi Shahir (Toronto), Bo Zhao (Toronto), Nicole Langballe (Toronto) and Peter Poon (Toronto).

According to the abstract* released by the U.S. Patent & Trademark Office: "Disclosed methods and system describe a server that uses AI modeling to predict negative cash flow at a user level. The server periodically retrieves data associated with the user, the data comprising monetary attributes associated with one or more accounts of the user; executes a deep neur...