Wells Fargo Bank, N.a.

Adnan Khan

Marria Rhodriquez

Gregory John Hansen

Nathan Craig Bricklin

Kathleen E McGinn

Ryan Benjamin Miller

Chris Theodore Kalaboukis

David Edward Newman

Kristine Ing Kushner

Paul Vittimberga

Darius A Miranda

John T Wright

Laura Marie Fontana

Simone Olivia Harvey

Margaret S Honeycutt

Yvette Hatton

Evelyn Ujanen

Ajit M Limaye

Kimberly Ann MacInnis

Eric David Greene

Oleg Pravdin

Jann McCully

A mobile device includes a processing circuit and a network interface structured to communicate data over a network. The mobile device generates and transmits a request to register for an alert program to a remote computing system and the mobile device renders a registration interface comprising a prompt asking permission to access user activity information. In response to receiving permission, the mobile device transmits an indication of approval to a remote computing system. After transmitting approval, the mobile device transmits an instance of the user activity information to the remote computing system. In response to sending the instance, the mobile device receives and implements a time-limited budget restriction on a user payment account where the time-limited budget restriction is based at least in part on the instance of the user activity.

Overspending alert system

A system for collecting property status information from a property for a virtual appraisal receives the property status information from a plurality of devices positioned about the property, stores the property status information in a database, and assesses the property status information to create the virtual appraisal for the property.

Virtual property appraisals and/or inspections

Systems and techniques for automated voice assistant personality selector are described herein. A task may be identified that is to be completed by a user of a voice-enabled virtual assistant. A response may be output in connection with the task using a default personality for the voice-enabled virtual assistant selected based on the task. A task completion checkpoint may be determined for the task. It may be identified that the task completion checkpoint has not been reached. A personality profile of the user may be compared to personality data of a set of voice-enabled virtual assistant profiles corresponding to respective members of a set of available voice personalities for the voice-enabled virtual assistant. An escalation personality may be selected for the voice-enabled virtual assistant based the comparison and the task. Commands for facilitating user completion of the task may be transmitted via the voice-enabled virtual assistant using the selected escalation personality.

Automated voice assistant personality selector

Systems and techniques for voice enabled assistant for community demand fulfillment are described herein. A community of user devices may be identified that are registered with a voice-based supply and demand matching service. A supply of an item may be determined based on first user audio collected from a first user device of the community of user devices. A demand for the item may be determined based on second user audio collected from a second user device of the community of user devices. An indication of the supply may be transmitted to a user of the second user device.

Voice enabled assistant for community demand fulfillment

A financial institution computing system includes a network interface structured to communicate data over a network, a user database configured to store information to a plurality of users, and a processing circuit comprising a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processor to retrieve a user transaction history associated with the user payment account from the user database, determine a baseline level of user spending based on the user transaction history, receive, by the network interface, user activity information pertaining to the user, determine that the received user activity information is indicative of a predetermined level of user spending relative to a baseline level of user spending, and transmit, by the network interface, an alert to a user computing device associated with the user responsive to the determination.

Systems and techniques for goal optimized process scheduler are described herein. A set of processes may be obtained from a plurality of process engines. Process data may be identified for each member of the set of processes. Goal data may be obtained for a goal. The goal data may indicate elements for attainment of the goal by completion of one or more processes of the set of processes. A process schedule may be generated for the set of processes based on the goal data. The process schedule may be optimized through removal of processes from the process schedule by comparison of the process data to the goal data. The optimized process schedule may include a linear organization of processes for attainment of the goal. An optimized process schedule workflow may be created for display on a user interface of a computing device.

Goal optimized process scheduler

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San Francisco, CA, United States of America

Adnan Khan