Behavioral analysis for smart agents

US10832251B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Glenn W. Pike · Tempe, US
• Christian L. Hunt · Cary, US
• Scott R. Kinney · Phoenix, US
• Steven M. Trudeau · Advance, US
• Stephen W. Krause · Fountain Hills, US
• Jason Avery · Berkeley, US

Key dates

• Filing date: Oct 4, 2017
• Grant date: Nov 10, 2020
• Expiry date: Aug 18, 2038

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/40155
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system and computer-readable storage medium perform a method for contextual inferring capacity for triggering a financial transaction by monitoring, via user device(s), objective contextual data of location, temporal, and volitional transaction information associated with an authorized user of a financial system. Subjective contextual data of personal calendar events, physiological data, and pacing of user interactions with the user device(s) is monitored. The objective and subjective contextual data is analyzed to create scenario(s) correlated with performing a volitional transaction. If not predictive a volitional transaction, a layer of security protocol is added for authentication prior to executing the volitional transaction. In response to determining that the current context is predictive of a volitional transaction, a determination is made whether the subjective contextual data satisfies criterion for incapacity to perform a volitional transaction. In response to determining incapacity to perform the volitional transaction, access to the financial system is limited.