Wells Fargo Bank, N.a.

Other

Balinder Singh Mangat

Bipin M Sahni

David C Hatch

Uma Meyyappan

Upul D Hanwella

Kimarie Pike Matthews

Jennifer Toby Whateley

Venu Andra

Scott Edward Pitchford

Matthew G Vanhouten

Maria J Latorre

Darius A Miranda

Samundra Timilsina

Rabisankar Kulshi

Sadananda Kalappanahally Nagarajappa

Kristin Deegan

Nathan Matthew Comstock

Tabari D Williams

Kristin H Deegan

Chris Theodore Kalaboukis

Nikolai Stroke

Nathan Craig Bricklin

Disclosed are methods, systems, and machine-readable mediums which provide for customer chatbots that detect a customer handoff condition and in response, transferring the customer to a communication session with a live agent. The handoff condition may comprise an inability to understand the customer, an inability to answer the customer's question, expressions of frustration or anger on the part of the customer, a customer's express request to be transferred, or the like. The live agent may receive a complete history of the conversation with the chatbot so that the customer does not have to repeat him or herself to the live agent. The chatbot chat session may be linked to a social networking account of the customer and may take place in association with a social networking profile page of the company.

Automated chatbot transfer to live agent

A video device configured to display video content includes a downstream network circuit for accessing and exchanging data with a computing system over a network, a downstream signal processing circuit for receiving video signals over a broadcast medium and converting the video signals into a video content stream, and one or more processors for causing a display to present the video content, and while displaying the video content, identifying a vendor, determining that the vendor is a registered biller, determining that the user has a bill due with the vendor, and overlaying an indication of the bill onto the video content, where the overlay includes an interactive element enabling the user to provide a user input to cause a payment to be made to the vendor. A bill pay request is generated and sent through the downstream network circuit to cause a payment to be made to the vendor.

Bill payments from a video screen

A broadcast headend includes an upstream network circuit, an upstream signal processing circuit, and a content processing circuit. The upstream network circuit is configured to communicate with a financial institution computing system over an internet network. The upstream signal processing circuit is configured to broadcast a video content signal over a broadcast medium to a downstream device. The content processing circuit is configured to receive a content stream including a unique property code associated with a vendor; while the video content signal is being broadcast, parse the unique property code associated with the vendor from the content stream; and send a bill pay request to the financial institution computing system to effect a payment to the vendor.

Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The system includes one or more processors and memory storing instructions that, when executed by the one or more processors, cause the one or more processors to maintain a database that includes account information for at least one customer of a financial institution, maintain a bill pay database that includes at least one registered biller, provide a bill pay feature by which a customer can cause a payment to be issued to a registered biller, receive a bill pay request to a vendor corresponding to a segment of broadcast video content, and complete a bill pay request by causing funds from the customer's account to be sent to the vendor.

A mobile wallet system to users is described. The mobile wallet system allows users to provide payments to merchants via the mobile wallet system. Users' mobile wallets are linked to payment forms associated with the users (e.g., bank accounts, credit cards, gift cards, etc.). Additionally, the mobile wallet system allows a first user to request funding from or provide funding to a second user for certain transactions. To pay for a good or service provided by a merchant, a user selects a form of payment, which may be another user, and provides a code to the merchant, which is used by a merchant computing system to initiate payment from the user to the merchant via the financial institution computing system.

Systems and methods for peer-to-peer funds requests

Systems and methods for processing customer requests to access purchasable items using financial assessments are described. A customer using a mobile device can identify a good of interest and transmit a request to access and test it. A financial institution computing system with a database of customer financial information can generate a financial assessment of the customer and the customer's identified good, which can then be used to determine whether the customer's request should be granted.

Computer implemented systems and non-transitory computer readable media for testing and purchase of goods

Systems and techniques for a future state graphical visualization generator are described herein, A graphical visualization of a current state of a user may be generated using electronic profile data of the user. The graphical visualization of the current state of the user may display objects associated with the user. The objects may be associated with a set of object parameters. A goal of the user may be obtained. A set of goal parameters may be generated based on the set of object parameters and the goal of the user. A graphical visualization of the future state of the user may be generated based on the set of goal parameters. A user response may be obtained to a display of the graphical visualization of the future state of the user. Guidance may be provided to the user for adjusting a goal parameter based on the user response.

Future state graphical visualization generator

Systems and methods relating to alerting users as to user information to be exchanged during transactions. A user information system (UIS) information circuit and an associated user information database populates an account with user information received from at least one of the user and a plurality of entities. A user information request relating to a transaction is received from an entity computing system associated with an entity over a network via a network interface circuit. A security circuit sends an alert comprising an approval request containing an identification of user information requested in the user information request to a user computing device associated with the user over the network. The security circuit receives an approval of the approval request from the user computing device, and the UIS information circuit provides the approved information to the entity to complete the transaction.

User information gathering and distribution system

Systems and methods for generating bill pay requests via an internet-enabled video displaying device are described. The transaction generating system presents users with the option to generate a bill pay request to vendors of products and/or services while the user is passively consuming video content. As video content relating to a given product or service is displayed, a notification invites the user to generate a bill pay request. The user can then use the internet-enabled video displaying device to generate and send a request to transfer funds to the vendor.

Systems and techniques for data tagging and task dataset generation are described herein. A set of context elements may be obtained for a data element in a data source. The set of context elements may be evaluated using a machine learning processor to embed one or more tags into the data element. A task to be completed by the user may be identified. A set of task tags may be determined that correspond to the task. The data source may be searched using the set of task tags to select the data element. A task dataset may be generated that includes the data element in response to the search.

Data tagging and task dataset generation

Computer implemented method and systems for testing and purchase of goods

Systems and techniques for a future state graphical visualization generator are described herein. A graphical visualization of a current state of a user may be generated using electronic profile data of the user. The graphical visualization of the current state of the user may display objects associated with the user. The objects may be associated with a set of object parameters. A goal of the user may be obtained. A set of goal parameters may be generated based on the set of object parameters and the goal of the user. A graphical visualization of the future state of the user may be generated based on the set of goal parameters. A user response may be obtained to a display of the graphical visualization of the future state of the user. Guidance may be provided to the user for adjusting a gal parameter based on the user response.

Growing community of inventors

Castro Valley, CA, United States of America

Balinder Singh Mangat