Wells Fargo Bank, N.a.

Michael Fitzpatrick

Wayne Barakat

Yvette Hatton

Pey-Ning Huang

Michael Lyon

Mark A Frank

Kimberly D Peck

Melissa Schroder Viscomi

Stojan Kotefski

Michael Kenwood Fitzpatrick

Nikola Kotevski

Methods of making a hybrid crude oil using man-made or natural petroleum-based waste stream products. The hybrid crude oil is composed of an oil-based solution and petroleum-based coatings that were extracted from a petroleum-containing material. This hybrid crude oil is created by elevating the temperature of the oil-based solution to or above an elevated temperature, i.e., the melting or phase-change temperature of the petroleum-based coating so that it can become liquified and dissolve into the oil-based solution and create the hybrid crude oil. The petroleum-containing material is submerged into the heated oil-based solution to cause the petroleum-based coatings to dissolve into the heated oil-based solution at the elevated temperature. The liquid oil-based solution at the elevated temperature creates an environmental seal to the petroleum-based coatings to protect them from burning, carburizing, or degrading, until the liquid oil-based solution is capable of providing the necessary thermal energy for the phase change of the petroleum-based coating from a solid state to a liquid state. At which time, the petroleum-based coatings safely phase-changes into a liquid and dissolves into the oil-based solution, creating the hybrid crude oil.

Methods of making a hybrid crude oil using petroleum-based waste stream products

A financial institution computing system includes an account database with a plurality of transaction parameters with respect to a financial account of a customer, a receptiveness metrics circuit structured to extract the plurality of transaction parameters from the account database, the transaction parameters including at least one financial transaction record, and indicative of a mode of the customer, and determine one or more receptiveness metrics attributed to the customer based on the mode of the customer, the one or more receptiveness metrics indicating likelihoods of the customer converting an interaction from the financial institution, wherein the interaction includes an avatar that is an aged version of the customer, and an interaction generation circuit structured to transmit the interaction to the customer at an optimal time based on the one or more receptiveness metrics.

Systems and methods for facilitating optimal customer engagement via quantitative receptiveness analysis and presentation

A financial institution computing system includes an account database structured to store a plurality of transaction parameters with respect to a financial account of a customer, a receptiveness metrics circuit, and an interaction generation circuit. The receptiveness metrics circuit is structured to extract the plurality of transaction parameters from the account database. The receptiveness metrics circuit is further structured to determine one or more receptiveness metrics attributed to the customer based on the extracted transaction parameters, the one or more receptiveness metrics indicating likelihoods of the customer converting an interaction from the financial institution. The interaction generation circuit is structured to transmit the interaction to the customer at an optimal time based on the one or more receptiveness metrics.

Systems and methods for facilitating optimal customer engagement via quantitative receptiveness analysis

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Danville, CA, United States of America

Michael Fitzpatrick