Wells Fargo Bank, N.a.

Frank Fehrenbach

Ashish Bhoopen Kurani

Imran Haider

James Christopher Noe

Nathan Coles

Braden More

Mattie L Morris

Chandra Subramanian

Palani Munuswamy

Matthew C Strader

George Atala

Guruprasadh Prasadh Ragothaman

Loftlon Worth

Sameer Aery

Nathan Bray

Sreenivas Vas Kodali

Lofton Worth

A method of using native events to control incentives includes creating, by a processing circuit, a master account and a subordinate account linked to the master account; receiving, by the processing circuit and from the master account, a first task and an associated incentive for the first task; detecting, by the processing circuit, a native event regarding the first task by receiving geolocation data of a user device associated with the subordinate account; determining, by the processing circuit, a completion of the first task by comparing the geolocation data to a location associated with the first task to detect the native event; and implementing, by the processing circuit, an action corresponding to the associated incentive based on detecting the completion of the first task.

Using native and non-native events to control funding/actions on various connected digital platforms

Systems and methods for providing recommendations relating to payment methods include establishing a connection between a first application executing on a first server and a second application executing on a second server where the first and second applications are linked to a first account holder. The first application may receive invoice data of a plurality of invoices from the second application. The first application may identify that at least one recipient is enrolled to accept a second payment type with one or more second account holders. The first application may identify a subset of invoices corresponding to the at least one recipient, compute a difference between a first value corresponding to usage of a first payment type and a second value corresponding to usage of the second payment type, and present a recommendation to enroll the first account holder with the second payment type based on the difference.

Systems and methods for providing recommendations relating to enrollment and payment type

Systems and methods for receiving an enterprise resource dataset associated with a customer from an enterprise application associated with the customer, the enterprise resource dataset including a plurality of financial inputs captured on or before a first date, a plurality of customer recommendations, and a plurality of recommendation replies, receiving, from a first machine learning model, a predicted customer state including one or more predicted financial outputs corresponding with the predicted customer state at a second date subsequent to the first date, providing the plurality of financial inputs to a second machine learning model trained to predict a customer recommendations, determining, a customer recommendation corresponding to an action to be performed at a third date subsequent to the first date, wherein performing the action causes the first machine learning model to predict an updated customer state differing from the predicted customer state.

Systems and methods for providing recommendations relating to customer state

Systems and methods for receiving an enterprise resource dataset includes a plurality of financial inputs captured associated with a customer from an enterprise application associated with the customer, providing the plurality of financial inputs to a machine learning model trained to predict a customer state using a plurality of training financial inputs and a plurality of training financial outputs, each of the plurality of training financial inputs corresponding to financial data and each of the plurality of training financial outputs corresponding with financial data, determining, responsive to providing the plurality of financial inputs to the machine learning model, a future customer state of the customer, including a predicted financial output, at a fourth date, and generating one or more financial recommendations based at least partially on the determined future customer state of the customer.

Systems and methods for determining customer state

A method, apparatus, and system of providing a management system for digital platforms are disclosed. The method includes: creating, in response to receiving an indication to enroll in a management platform, a master account, the master account having master login credentials associated therewith; providing a management graphical user interface (GUI) to a user device in response to a login using the master login credentials; creating a subordinate account in response to a first user selection via the management GUI, the subordinate account having subordinate login credentials associated therewith; establishing one or more funding rules for the subordinate account; establishing one or more spending rules for the subordinate account; approving a first in-app purchase (IAP) from the subordinate account; and, providing a dashboard via the management GUI, the dashboard comprising a ledger of transactions, the ledger of transactions comprising the first IAP.

Systems and methods for providing a management platform for digital platform services

Systems and methods for providing early payment recommendations may include one or more processors establish a connection between a first data source and a second data source, and maintain a machine-learning model trained to ingest data from the first and second data source. The processor(s) may detect a data entry for an invoice between an enterprise and a third party via the connection, extract a trade term from the invoice responsive to detecting the data entry, apply the trade term to the machine-learning model as a first input, and apply data of the account of the second data source to the machine-learning model as second input. The processor(s) may receive, from the machine-learning model, an output including a score for early-payment of the data entry according to the trade term and the data of the account, and transmit a notification for the invoice to a computing device of the enterprise.

Systems and methods for providing early payment recommendations

Systems and methods for receiving an enterprise resource dataset associated with the first entity, the enterprise resource dataset including an invoice data for the first entity, the invoice data including a first data entry including first value and a first maturity date and a second data entry including a second value and second maturity date, determining a predicted future account balance, determining based on the predicted future account balance, the first value, the second value, the first maturity date, the second maturity date, one or more financing options including a first finance option associated with the first data entry included in the invoice data, generating, a user interface display configured to be displayed within the enterprise application, the user interface display including the first finance option a selection of the first finance option, and initiating a first transfer to a second entity associated with the first data entry.

Systems and methods for accounts payable-based batch processing

Systems and methods for receiving, from an enterprise application associated with a first entity, a first data entry including first value and a first maturity date and a second data entry including a second value and second maturity date, determining, a predicted future account balance, determining, based on the predicted future account balance, the first value, the second value, the first maturity date, the second maturity date, one or more financing options including a first finance option associated with the first data entry included in the invoice data, generating, a user interface display including the first finance option, receive, from the enterprise application, a selection of the first finance option, in response to receiving the selection of the first finance option, initiating, a first transfer to the first entity corresponding with the first value before the first maturity date.

Systems and methods for accounts receivable-based batch processing

Systems and methods for facilitating communication between computing systems may include a device which establishes a connection between a first application executing on a first server and a second application executing on a second server. The first application and the second application may be linked to a common account holder. The first application may transmit, to the second application, at least a portion of data associated with the common account holder and accessible via the first application. The first application may generate populated form fields for a form associated with the first application using data from the second application and the data received by the second application from the first application. The first application may generate a new account for the common account holder using the populated form fields received from the second application.

Systems and methods for facilitating communications between computing systems

A method, apparatus, and system of using native and non-native events to control incentives in a computing environment is provided. A method includes: creating, by a processing circuit, a master account; creating, by the processing circuit, a subordinate account linked to the master account; receiving, by the processing circuit and from the master account, a first task and an associated incentive for the first task; detecting, by the processing circuit, a native or non-native event regarding the first task; and, implementing, by the processing circuit, an action corresponding to the associated incentive based on detecting the native or non-event regarding the first task. Detecting the native event includes receiving a message directly from a device linked to the processing circuit. Detecting a non-native event includes receiving an indication from a user device associated with the subordinate account.

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New York, NY, United States of America

Frank Fehrenbach