Wells Fargo Bank, N.a.

Jasim Ahamed Pattani Sirajudeen

Dennis Emmanuel Montenegro

Carrie Anne Hanson

Jason Huang

Benjamin S Taylor

Sadie Salim

Jason V Biala

This disclosure describes techniques that include a system for supporting payment, data visibility, action recommendations, and advice pertaining to activities across various commercial entities, applications, and/or consumer/commercial entity relationships. In one example, this disclosure describes a method that includes identifying, by a computing system, interactions with each of a plurality of commercial entities; determining, by the computing system, information about incentive policies for each of the plurality of commercial entities; receiving, by the computing system and from a user device, a request; generate, by the computing system, a recommendation, wherein the recommendation is generated based on the request, the interactions with the plurality of commercial entities, and an analysis of the incentive policies for each of the plurality of commercial entities; output, by the computing system, information about the recommendation to be presented by the user device.

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San Francisco, CA, United States of America

Jasim Ahamed Pattani Sirajudeen