IP Library Granted Patent US 12675383
Granted Patent B2
US 12675383 · App. 18/761,392 · Granted Jul 7, 2026

Systems and methods for inactivity-based failure to complete task notifications

Inventors: Joshua Edwards (Philadelphia, PA); Kathryn Tikoian (South Orange, NJ); Tyler Maiman (Melville, NY)
Assignee: Capital One Services, LLC
G06F11/3438G06F11/302G06F11/328G06N5/025
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Quick Facts
Patent No.
US 12675383
App. No.
18/761,392
Granted
Jul 7, 2026
Kind
B2
Abstract

Disclosed are methods and systems for inactivity-based prompting of task completion. For instance, a task related to an account may be identified as an incomplete task along with a task status related to the task as incomplete. The task and task status may be stored in a data store in association with an account identifier. In response to receiving a session inactivity indication for an account session established via an application executing on a user computing device, the data store may be queried using the account identifier to determine the task status for the task. The task status may be determined as remaining incomplete, and a notification indicating the incompletion may be generated. Additionally, a communication channel may be determined for transmission of the notification that increases a likelihood of notification engagement to prompt completion of the task. The notification may be transmitted via the communication channel.

Claims (64)

1 . A computer-implemented method for inactivity-based prompting of task completion, comprising:

monitoring a task status of a plurality of tasks related to an account associated with a user;

receiving an inactivity indication for a session established for the user on a user computing device in association with the account;

in response to receiving the inactivity indication for the session, identifying, from the plurality of tasks, a task that is incomplete based on the task status, wherein the task is of a task type;

obtaining information associated with the account;

determining an effect of a completion of the task on the account based on the information and the task type;

determining the completion of the task is not precluded based on the effect; and

in response to determining the completion of the task is not precluded, generating and transmitting a notification indicating the task is incomplete to the user computing device to prompt the user to complete the task via the user computing device.

2 . The computer-implemented method of claim 1 , wherein determining the effect of the completion of the task on the account further comprises:

predicting an interaction associated with the account that will occur within a time period relevant to the completion of the task based on the information; and

determining the effect of the completion of the task further based on the interaction predicted.

3 . The computer-implemented method of claim 1 , wherein receiving the inactivity indication for the session comprises:

receiving the inactivity indication in response to the user computing device detecting an event indicating a lack of user activity with an application used to establish the session on the user computing device or an event indicating a user activity associated with discontinuing use of the application.

4 . The computer-implemented method of claim 3 , wherein the event includes a manual selection to log out of the session via the application, a lack of activity associated with the application for a threshold period of time, the application losing focus, or a closing of the application.

5 . The computer-implemented method of claim 3 , wherein the inactivity indication is received in response to the user computing device detecting a period of time associated with the event is greater than a first threshold period of time and less than a second threshold period of time associated with an invalidation of the session.

6 . The computer-implemented method of claim 1 , wherein transmitting the notification comprises:

determining a communication channel for transmission of the notification that increases a likelihood of notification engagement to prompt task completion; and

transmitting the notification via the communication channel.

7 . The computer-implemented method of claim 6 , wherein the user computing device is a first user computing device, and the communication channel is at least one of a push notification of an application used to establish the session on the user computing device, an electronic mail, a text message, an instant message, or a phone call to at least one of the first user computing device or a second user computing device.

8 . The computer-implemented method of claim 1 , wherein the notification is a second notification, and the method further comprises:

prior to receiving the inactivity indication for the session, identifying, from the plurality of tasks, the task that is incomplete based on the task status; and

generating a first notification indicating the task is incomplete to the user computing device to prompt task completion.

9 . The computer-implemented method of claim 8 , wherein the first notification prompted the establishment of the session on the user computing device.

10 . The computer-implemented method of claim 1 , wherein monitoring the task status of the plurality of tasks comprises monitoring the task status in response to the session being established.

11 . The computer-implemented method of claim 1 , further comprising:

in response to detecting the completion of the task, updating the task status for the task to indicate the task is completed.

12 . The computer-implemented method of claim 1 , further comprising:

maintaining the task status of the plurality of tasks in association with an identifier of the account in a data store.

13 . The computer-implemented method of claim 1 , wherein the effect of the completion of the task on the account is a first effect, and determining the completion of the task is not precluded further comprises:

based on one or more previous interactions associated with the account that are identified from the information, predicting a future interaction associated with the account that will occur within a time period relevant to the completion of the task and have a second effect on the account; and

determining the completion of the task is not precluded based on the first effect and the second effect.

14 . A computer-implemented method for inactivity-based prompting of task completion, comprising:

monitoring a task status of a plurality of tasks related to an account associated with a user;

receiving an inactivity indication for a session established for the user on a user computing device in association with the account;

in response to receiving the inactivity indication for the session, identifying, from the plurality of tasks, a task that is incomplete based on the task status, wherein the task is of a task type;

obtaining information associated with the account;

determining an effect of a completion of the task on the account based on the information and the task type;

determining the completion of the task is precluded based on the effect; and

in response to determining the completion of the task is precluded, withholding generating and transmitting a notification indicating the task is incomplete to the user computing device at least until the completion of the task is no longer precluded.

15 . The computer-implemented method of claim 14 , wherein determining the effect of the completion of the task on the account further comprises:

predicting an interaction associated with the account that will occur within a time period relevant to the completion of the task based on the information; and

determining the effect of the completion of the task further based on the interaction predicted.

16 . The computer-implemented method of claim 14 , further comprising:

detecting a predefined waiting period has elapsed after determining the completion of the task is precluded;

obtaining updated information associated with the account;

determining a new effect of the completion of the task on the account based on the updated information and the task type;

determining the completion of the task is not precluded based on the new effect; and

transmitting the notification indicating the task is incomplete to the user computing device.

17 . The computer-implemented method of claim 16 , wherein transmitting the notification comprises:

determining a communication channel for transmission of the notification that increases a likelihood of notification engagement to prompt task completion; and

transmitting the notification via the communication channel.

18 . The computer-implemented method of claim 14 , wherein receiving the inactivity indication for the session comprises:

receiving the inactivity indication in response to the user computing device detecting an event indicating a lack of user activity with an application used to establish the session on the user computing device or an event indicating a user activity associated with discontinuing use of the application.

19 . The computer-implemented method of claim 14 , further comprising:

maintaining the task status of the plurality of tasks in association with an identifier of the account in a data store.

20 . A computer-implemented method for inactivity-based prompting of task completion, comprising:

monitoring a task status of a plurality of tasks related to an account associated with a user;

receiving an inactivity indication for a session established for the user on a user computing device in association with the account;

in response to receiving the inactivity indication for the session, identifying, from the plurality of tasks, a task that is incomplete based on the task status, wherein the task is of a task type;

obtaining information associated with the account;

determining an effect of a completion of the task on the account based on the information and the task type;

predicting an interaction associated with the account that will occur within a time period relevant to the completion of the task based on the information;

determining the completion of the task is precluded based on a change to the effect caused by the interaction predicted; and

in response to determining the completion of the task is precluded, withholding generating and transmitting a notification indicating the task is incomplete to the user computing device at least until the completion of the task is no longer precluded.