Wells Fargo Bank, N.a.

Darius A Miranda

Marria Rhodriquez

Samundra Timilsina

Chris Theodore Kalaboukis

Thomas E Gross

Joon Maeng

Paul Vittimberga

John T Wright

Marjorie S Anzalone

David Edward Newman

Ramanathan Ramanathan

Abhijit Rao

Rameshchandra Bhaskar Ketharaju

Uma Meyyappan

Darrell Lee Suen

Abhijit Shetti

Rajiv Ranjan

Chandramouli Subramanian

Andres J Saenz

Wayne Barakat

Duc M Trinh

Sadie Salim

Sotirios K Barkas

Yon Wing Lee

Balinder Singh Mangat

Kimarie Pike Matthews

Matthew P Schlachtman

Rabisankar Kulshi

Edward P Scholtens

Kristine Ing Kushner

Laura Marie Fontana

Muhammad Farukh Munir

Michael H Chang

Yvette Hatton

Margaret S Honeycutt

Jennifer Greene

Adnan Khan

Kimberly Ann MacInnis

Tracy Chan

Haritha Devarajan

Wairnola Marria Rhodriquez

Jann McCully

Oleg Pravdin

Ellen Fabini

Dennis Emmanuel Montenegro

Bipin M Sahni

Traci H Nguyen

Andrew L Martinez

Pankaj Parekh

Ajit M Limaye

Gerardo Costilla

Garrett S Weiss

Charlotte Yan Whitney

Cynthia James

Christy Wang

Russell Sage Hamilton

Jannette Marie McCully

John Wright

Darrell L Suen

Yon W Lee

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

Examples described herein relate to determining an actual, updated goal of a user based on emotional response data captured while an initial goal is visualized or otherwise perceived by the user, including determining an initial goal of a user, displaying an initial video depicting the initial goal, tracking, with an emotion-tracking device, emotions of the user while the video is displayed by the output circuit by determining emotional response data captured by the emotion-tracking device, updating the initial goal based on the emotional response data to determine an updated goal, and displaying the updated goal.

Systems and methods of interactive goal setting tools

A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing the token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

System for data access token management

Systems and methods are described for facilitating payments and transactions using social background checks. Such systems and methods may use social networks with both individual members communicating over a network to a social authentication computing system. The authentication of transactions associated financial institutions are determined through the use of relationship measures based on social media interactions. Transactions and services available to a user are determined based on a measure of social identity through the use of social media platforms. Available contact and interaction data from one or more social media platforms is leveraged to analyze a level of trust that a transaction is not a consequence of fraudulent activity. Transactions that have a low level of risk of being a consequence of fraudulent activity are benefited through faster transaction times and other improvements.

Systems and methods for preferring payments using a social background check

A method includes generating an alias that obscures identity information of a user by a remote provider computing system and receiving information relating to a prospective transaction via a digital funding group client application associated with a user computing device and communicatively coupled to the remote provider computing system via a network. The method further includes monitoring a system idle timer of the user computing device and resetting the system idle timer at predetermined time intervals, thereby maintaining the user computing device in active mode. The method further includes, while maintaining the user computing device in active mode, performing an electronic search for a sponsorship opportunity via the network, receiving a search result dataset via the network, generating a displayable result set based on the search result dataset, and rendering the displayable result set on a display. The displayable result set includes at least one prospective sponsor.

Systems and methods for private loan creation

Examples described herein relate to apparatuses and methods for providing an interactive computer simulation of a life of a user via a user device operated by the user by determining a goal of the user, accessing a transaction history of the user, determining an initial state of the user based on the transaction history of the user, determining a virtual path to the goal, the initial state of the user being a starting point of the virtual path to the goal, configuring the user device to display the virtual path of the goal, determining that the user has selected at least one of selectable in-simulation decisions, updating the virtual path to generate an updated virtual path based on the selected at least one of the plurality of selectable in-simulation decisions, and configuring the user device to display the updated virtual path.

Systems and methods for a whole life interactive simulation

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

A smart inventory service provider system is provided. The system comprises a network interface configured to communicate data over a network and a processing circuit. The processing circuit comprises one or more processors coupled to non-transitory memory. The processing circuit is configured to receive inventory item data associated with an inventory item from a user mobile device and to associate the inventory item data with a user account in a user inventory database. The processing circuit is further configured to monitor a frequency of usage of the inventory item and to transmit a message to an external computing system soliciting a transaction offer related to the inventory item based on the frequency of usage of the inventory item. The processing circuit is further configured to, upon receiving the transaction offer from the external computing system, transmit the transaction offer to the user mobile device.

System and method for smart inventory capture

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

Various examples are directed to computer-implemented systems and methods for providing an automated data agent monitoring bot. A method includes receiving, by a processor of a computer, input from a user requesting monitoring of user data generation and access on an application or website. The processor analyzes terms of service of the application or website where the user data is used or generated, and programs a monitoring bot configured to monitor the user data based on the terms of service and the received input. The monitoring bot tracks third-party access to the user data based on the terms of service, notifies the user regarding the tracked third-party access, and provides options to the user to control or monetize the tracked access to the user data.

Automated data agent monitoring bot

An example method for estimating an emotion based upon a facial expression of a user can include: receiving one or more captured facial expressions from the user at a visual computing device; comparing the one or more captured facial expressions to one or more known facial expressions; and assigning an emotion to the plurality of captured facial expressions based upon the comparing.

Facial expression tracking during augmented and virtual reality sessions

A method may include, receiving, at a server device and from a requesting computing device associated with a requesting user, a request for a data item. The data item configured may be configured as a data structure and include an encrypted data payload; metadata identifying a source of the payload and when the data payload was captured; and a token identifying an owner of the data item and access rights to the data item. The method may include parsing he token to identify the owner of the data item; transmitting the request for the data item to a computing device associated with the owner; receiving a response from the computing device. The response may indicate the requesting user may access the data item, and in response, transmit a decryption key to the requesting computing device for the encrypted data payload. The method may include updating the token.

According to one example arrangement, a computer implemented method performed by a computing system, includes identifying a user device associated with a user. Authentication information regarding the user indicative of use of the user device is captured. A confidence level for the user is dynamically adjusted based on the authentication information. The confidence level is responsive to the use of the user device by the user.

Systems and methods for a virtual identity card

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

Growing community of inventors

San Francisco, CA, United States of America

Darius A Miranda