Wells Fargo Bank, N.a.

Andres J Saenz

Chris Theodore Kalaboukis

Ramanathan Ramanathan

Abhijit Rao

Joon Maeng

Andrew J Garner, Iv

Rameshchandra Bhaskar Ketharaju

Joel Eric Boeder

Makarand Shivadevuni

Marria Rhodriquez

Darius A Miranda

Wayne Barakat

Duc M Trinh

Sadie Salim

Thomas E Gross

Vincent Le Chevalier

Kourtney Eidam

Robert L Carter, Jr

This disclosure provides systems and methods for matching a customer with a service representative. A request for service can be received from a customer. A first service interaction can be initiated between the customer and a first service representative. A customer sentiment metric can be determined during the first service interaction. The customer sentiment metric can indicate a level of customer satisfaction during the first service interaction. A second service representative suitable for fulfilling the customer's request for service can be identified, based at least in part on the customer sentiment metric. A second service interaction can be initiated between the customer and the second service representative, responsive to the identification of the second service representative.

Efficient condition-based linking of communication sessions

A distributed computing system includes a blockchain comprising a plurality of blockchain services comprising an oracle service, a predictive analytics service, a loan service, and a consensus service. The oracle service configured to receive input data comprising at least one of financial data associated with at least one of the plurality of syndicate participants, macroeconomic data, geo-location data, disaster data, or public health data. The predictive analytics service configured to utilize the input data to determine whether a first syndicate participant of the plurality of syndicate participants has an excess of funds and whether a second syndicate participant of the plurality of syndicate participants has a lack of funds where the first syndicate participant is different than the second syndicate participant. The loan service configured to facilitate a loan agreement between the first syndicate participant and the second syndicate participant. The consensus service enabling a consensus process used to agree on a validity of data transactions that are recorded by the blockchain such that the consensus service maintains a replicating ledger within the distributed computing system.

Geolocation-based mesh automatic lending network

In one example, a method includes at a first network infrastructure computing device of a plurality of networked infrastructure computing devices receiving, from a user computing device, an authentication token indicating a user using the user computing device is authenticated with respect to an electronic service, based on the user being authenticated, executing a computing task associated with the electronic service for the user computing device, the computing task including computing task data, predicting a set of possible future locations of the user based on an output of a movement prediction model executing on the first network infrastructure computing device, identifying a set of network infrastructure computing devices correlated with the set of possible future locations, and transmitting the authentication token and the computing task data to the set of network infrastructure computing devices.

Computing task transfers between cellular infrastructure devices

An example method includes sending a request for performance information associated with one or more candidate devices with which a device may perform a new transaction, responsive to sending the request, receiving the performance information that includes data associated with at least one historical transaction previously performed by the one or more candidate devices, analyzing the performance information using one or more device-specific performance criteria defined by the device, wherein the one or more device-specific performance criteria are associated with the new transaction and/or the candidate devices, determining, based on the analyzing, rating information associated with the candidate devices, wherein the rating information is customized for the device using the device-specific performance criteria that are defined by the device, selecting, based on the rating information, a particular candidate device from the one or more candidate devices, and initiating, with the particular candidate device, performance of the new transaction.

Customized device rating system using device performance information

A method includes using a distributed computing system to form a syndicate, generate a unique identifier for each of a plurality of participants of the syndicate, receive a verification request comprising the unique identifier from each of the plurality of participants, verify that a respective entity is a node on the distributed computing system, receive loan terms templates from each of the plurality of participants, receive a plurality of data from each of the plurality of participants, identify a first subset of participants having an excess of funds and a second subset of participants having a lack of funds, and verify each of the first subset of participants and the second subset of participants. The method includes using a syndicate computing system to automatically execute at least one loan agreement between at least one of the first subset of participants and at least one of the second subset of participants.

A system includes one or more processors coupled to machine readable storage media having instructions stored therein that, when executed by the one or more processors, cause the one or more processors to perform operations including receiving user data of a user including authentic user demographic data, storing the user data in an authentic user profile, receiving a request for a user profile from a third party, generating a synthetic user profile including synthetic user data based on the authentic user profile where generating the synthetic user profile comprises generating synthetic demographic data that is similar to the authentic user demographic data within a predetermined threshold, storing the synthetic user profile in a user profile database where the stored synthetic user profile is associated with the authentic user profile and the third party, and providing the synthetic demographic data to a third party device associated with the third party.

Systems and methods for ad hoc synthetic persona creation

Embodiments of the present disclosure provide for improvements in managing connection channels for multiple associated users. As connection channel changes occur for one or more users, various connection channels are updated such that appropriate functionality is accessible as determined based on aspects of the connection channel change. Example embodiments provide for establishing, with an electronic data management system, a connection channel associated with processing a shared electronic data object, where the connection channel is established associated with a first user data object; and causing rendering of a user interface that provides access to first functionality via the electronic data management system, and receiving an indication of a connection channel change, and causing updated rendering, based on the connection channel change and in response to receiving the indication of the connection channel change, of the user interface to provide access to updated functionality via the electronic data management system.

Apparatuses, computer-implemented methods, and computer program products for improved multi-user channel management

Systems, methods, and apparatuses for facilitating augmented reality (AR) rewards are described herein. The system includes a sensor network configured to transmit and receive sensor data within an environment. A first user device associated with a first user and a second user device associated with a second user are configured to communicate with the sensor network and determine a position and an entity positioning characteristic of the first user and the second user, respectively. A computing device is configured to receive the sensor data including the position and entity position characteristics of the first and second users. The computing device is also configured to determine a behavior of the first and second users based on the received data. The computing device is also configured to generate a plurality of reward tokens. Each of the reward tokens is associated with a behavior characteristic.

Systems and methods for geolocation-based city and community promoted augmented reality rewards

Methods, apparatuses, and computer program products are disclosed for dynamic user interfaces. An example computer-implemented method includes receiving a communication channel request from a user device and establishing a communication channel with the user device. The computer-implemented method also includes receiving an indication that a first user and a second user are accessing the communication channel via the user device and generating a hybrid interface. The hybrid interface includes blended interface data based upon first user parameter data associated with the first user and second user parameter data associated with the second user, first personalized interface data based upon the first user parameter data, and second personalized interface data based upon the second user parameter data. The computer-implemented method may include causing the first personalized interface data and/or the second personalized interface data to be obscured.

Apparatuses, computer-implemented methods, and computer program products for displaying dynamic user interfaces to multiple users on the same interface

A distributed system includes a user device that is configured to identify a service provided by a service device; determine a specific amount of funds associated with the service; send, to a lending device, a real-time loan request associated with a loan, where the real-time loan request specifies at least an identifier of the user device and the specific amount of funds for the loan; receive, from the lending device, a digital token that specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with the service device; and send, to the service device, a real-time transaction request for the service provided by the service device, where the real-time transaction request includes the digital token that is redeemable by the payee associated with the service device for the approved amount of funds for the loan.

Device-to-device microlending within a distributed system

An example method includes identifying provider systems each configured to perform a function requested by a device, wherein the provider systems are associated with vendors that provide one or more of services, goods, or device skills, responsive to selecting a provider system, sending, to the provider system, the request to perform the function, after sending the request to the provider system, receiving, by the management system and from the provider system, provider response information associated with performance of the function, sending, by the management system and to the device, the provider response information associated with performance of the function, and initiating a payment of funds from a first financial system associated with the device to a second financial system associated with the provider system.

Management of requests to provider systems for performing functions within a distributed computing system

A distributed system includes a lending device that is configured to receive, from a user device, a real-time request for a loan associated with a service, where the request specifies at least an identifier of the user device and a specific amount of funds; determine, based at least on the specific amount of funds for the loan and on the identifier of the user device, to provide the loan to the user device; generate a digital token associated with the loan, where the digital token specifies usage restrictions that are associated with (i) an approved amount of funds, (ii) a duration of the loan, and (iii) a payee associated with a service device; and provide, the user device and/or the service device, the digital token associated with the loan, where the digital token is redeemable by the payee associated with the service device for the approved amount of funds.

Provided herein is a holistic fraud cocoon that protects a user from incoming or outgoing fraud and phishing communications by capturing, analyzing and either altering, discarding or presenting communications to the user. For example, the holistic fraud cocoon captures all incoming sources (mail, in-person visits, phone, TV, radio, newspapers and internet) and the actions performed by the user, triggered by those sources. Certain actions are held in a queue to be reviewed, validated and acted upon by a third party before the actions are executed.

Holistic fraud cocoon

Systems and methods may generally be used to authenticate a user. An example method may include capturing an image of a portion of a face of a user, retrieving, based on identification information, a registered model of the face from a database, and comparing the portion of the face in the captured image to a facial feature of the registered model. In response to determining that the portion of the captured image matches the facial feature of the registered model, the method may include granting access to secure content.

Facial feature analysis for authentication

Systems, methods, and computer-readable media for matching a job to a plurality of workers are described herein. A user device is associated with a worker from the plurality of workers. A processing circuit is structured to receive an electronic request. The electronic request comprises a data set related to the job. The processing circuit is further structured to generate a local disaster data set and a test requirement data set. The processing circuit is further structured to select at least one worker. The processing circuit is further structured to cause a client application deployed to the user device to display an electronic notification comprising at least in part the data set related to the job, a risk level rating, a risk level pay premium corresponding to the risk level rating, and an accept control structured to allow the worker to accept the job.

Growing community of inventors

Redmond, WA, United States of America

Andres J Saenz