Facilitating finance based on behavioral triggers

US10346905B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Michael Chang · Millbrae, US
• Brian M. Pearce · Pleasanton, US
• Daniel Sanford · Charlotte, US
• Suzanne M. Fisi · Clayton, US
• John Chuprevich · Davidson, US
• Miranda C. Hill · Seattle, US
• Traci Nguyen · San Francisco, US
• Chris Kalaboukis · Los Gatos, US

Key dates

• Filing date: Nov 2, 2016
• Grant date: Jul 9, 2019
• Expiry date: Aug 9, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/06
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods for facilitating finance by monitoring behavior of users indicative of behavioral patterns or deviations from behavioral patterns and inviting users to make financial changes that may be appropriate based on the monitored behavior. In some embodiments, a minimum amount of relevant data must be collected to support the existence of a behavioral pattern or deviation before a user is invited to make appropriate changes to their finances.