Wells Fargo Bank, N.a.

Evelyn Ujanen

Chris Theodore Kalaboukis

Marria Rhodriquez

Tleytmas N Stephenson

Machu J Latorre

Paul Vittimberga

Simone Olivia Harvey

Adnan Khan

Eric David Greene

Ajit M Limaye

Matthew P Schlachtman

Cigdem Gencer

Dana K Zuber

Teresa L Nieten

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

Systems, methods, and other embodiments associated with entity mapping. According to one embodiment, a method comprises generating trees based, at least in part, on data. The data is associated with dimensions. A tree includes nodes that are not defined by the dimensions of the data. The method further includes performing statistical tree analysis to calculate results for the trees. The statistical tree analysis is performed independent of the dimensions of the data. A table of a composite result set is created by unionizing the results for the at least two trees. The nodes of the trees are parsed based, at least in part, on the composite result set. The at least two trees can then be visually displayed.

Entity mapping

A computer-implemented method for collaboratively purchasing an item. The method includes receiving a collaborative purchase request from a user at a collaborative purchasing computing system. The collaborative purchase request includes at least one of a purchase type, a purchase item, and a purchase goal. The method includes analyzing the collaborative purchase request to identify other users associated with the collaborative purchasing computing system that have indicated a desire to participate in a collaborative purchase request similar to the received collaborative purchase request. The method includes transmitting a collaborative purchase offer to the identified users. The method further includes receiving one or more collaborative purchase offer acceptances from one or more of the identified users, and providing details required to complete the collaborative purchase request to the user and the one or more identified users that accepted the collaborative purchase offer.

System, computer-readable storage media, and method for collaborative financial transactions to increase consumer buying power

A computer implemented method for filtering information delivered via a social media service. The method includes receiving social media data from the social media service at a social media computing system and analyzing the received social media data. Analyzing the received social media data comprises categorizing content within the received social media data as one or more of restricted content elements and unrestricted content elements. The restricted content elements and the unrestricted content elements are determined based on one or more predetermined parameters associated with a user profile. The method further including transmitting the unrestricted content elements to a user device.

Systems and methods for filtering digital content having a negative financial influence

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.

A financial institution computing system includes a network interface, a database storing transaction data of the user and financial data for a plurality of entities, and a processor. The processor receives location data of the mobile device the financial data for at least one of the entities, determines a financial risk of the user based on a comparison of the location of the mobile device with the location of the at least one entity and based on at least one of the financial data for the at least one entity and the transaction data of the user, generate a notification in response to the financial risk exceeding a financial risk threshold, and cause the notification to be transmitted to the mobile device. The notification indicates that the user is susceptible to a financial risk based on the location of the user with respect to the at least one entity.

Systems and methods for anticipating financial risk

Systems and methods for completing a permissioned payment are described herein. The system includes a network interface structured to facilitate data communication via a network, an accounts database structured to store information associated with one or more accounts held by a financial institution, including a payment account associated with a customer and a customer identifier, and a processing circuit. The processing circuit is configured to receive a purchase approval request including a purchase amount and the customer identifier and generate a notification in response to determining that the purchase amount exceeds a threshold payment amount, the notification indicating that the purchase approval request requires voting approval via a voting approval process, transmit the notification to a customer device, conduct the voting approval process including receiving votes from a plurality of social connections of the customer, and authorize or decline the purchase approval request based on the voting approval process.

Growing community of inventors

San Francisco, CA, United States of America

Evelyn Ujanen