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PREDICTIVE MODELING BASED ON PATTERN RECOGNITION

Abstract:

Aspects described herein may provide a method and system that comprises monitoring, by a transaction server, a bank account associated with a user and training a predictive model to define one or more patterns based on activity in the bank account. The method and system may further comprise authenticating an identity of the user in conjunction with a credit card purchase and then posting a purchase amount associated with the credit card purchase to a credit card account associated with the user. The method and system may also comprise predicting, based on correlating the purchase amount with the one or more patterns using the predictive model, that the purchase amount will or will not be paid in full when due and generating an option to the user to refinance the purchase amount, wherein the generating the option occurs prior to when a payment for the credit card purchase is due.