Consumer relationship optimizer

US12147998B1 · kind B1 · utility

Assignee

• Wells Fargo Bank, N.A. · US

Inventors

• Benjamin Taylor · Williston, US
• Carrie Anne Hanson · Charlotte, US
• Dennis E. Montenegro · Concord, US
• Jason V. Biala · Martinez, US
• Jason Huang · San Francisco, US
• Sadie S. Salim · Mill Valley, US
• Jasim Ahamed Pattani Sirajudeen · San Francisco, US

Key dates

• Filing date: May 9, 2022
• Grant date: Nov 19, 2024
• Expiry date: May 9, 2042

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q30/0631
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

This disclosure describes techniques that include a system for supporting payment, data visibility, action recommendations, and advice pertaining to activities across various commercial entities, applications, and/or consumer/commercial entity relationships. In one example, this disclosure describes a method that includes identifying, by a computing system, interactions with each of a plurality of commercial entities; determining, by the computing system, information about incentive policies for each of the plurality of commercial entities; receiving, by the computing system and from a user device, a request; generate, by the computing system, a recommendation, wherein the recommendation is generated based on the request, the interactions with the plurality of commercial entities, and an analysis of the incentive policies for each of the plurality of commercial entities; output, by the computing system, information about the recommendation to be presented by the user device.