Wells Fargo Bank, N.A.

Sadie Salim

Dennis Emmanuel Montenegro

Andres J Saenz

Marria Rhodriquez

Darius A Miranda

Wayne Barakat

Duc M Trinh

Thomas E Gross

Jason Huang

Carrie Anne Hanson

Jeff J Stapleton

Ramesh Yarlagadda

Michael Knorr

Margaret S Honeycutt

Benjamin S Taylor

Volkmar Scharf-Katz

Manesh Saini

Samuel B Martin

Akhlaq M Khan

Jason V Biala

Miriam Felecia Clark

Rajeswaran Govindan

Dinesh Arora

John Akira Kobuchi

Jasim Ahamed Pattani Sirajudeen

Nurujjama Beg

Amlan Patnaik

Suresh Reddy

A risk-sensitive code generation computing system receives query data indicating a requested code section. A code attribute evaluation module determines attributes that indicate characteristics of the query data or the requested code section. Based on the attributes, the code attribute evaluation module calculates risk level data for the requested code section. A code generation module selects, based on the risk level data, a set of training resources. Based on the selected training resources, the risk-sensitive code generation computing system modifies training of a trained neural network model. The modified trained neural network model generates a risk-sensitive code data object based on the requested code section and the risk level data. The risk-sensitive code generation computing system provides at least a portion of the risk-sensitive code data object to an additional computing system.

Risk-adjustment techniques for generating software code data

Systems and methods for authenticating user identity using custom visual code is disclosed. One disclosed method includes determining user identification information based on received biometric data; generating a temporary one-time password; encrypting the user identification information and the temporary one-time password; and generating a visual code based in part on the encrypted temporary one-time password and user identification information. The method may further include generating a prompt requesting a passcode or biometric data when a user device is within a predetermined threshold range of an authenticating device.

Systems and methods of identity authentication using a custom visual code

An process analysis computing system receives input data that identifies a subject-matter expert (SME) process, such as an SME process that requires detailed information regarding a very large quantity of information about the SME process. In the process analysis computing system, a scenario selection engine extracts process factors and user factors from the input data. Based on the process factors and user factors, the scenario selection engine determines initial schedule data describing event stages and milestone stages included in the SME process, and also generates user-specific process schedule data based on a modification of the initial schedule data. A user-specific execution engine in the process analysis computing system receives the user-specific process schedule data. Based on a milestone stage dependency in the user-specific process schedule data, the process analysis computing system controls access to a requested resource associated with the SME process.

Process modeling techniques for providing user-specific process schedule data

Systems, apparatuses, methods, and computer program products are disclosed for constructing a foundational identity to establish the identity of an individual and linking the foundational identity to various other identities of the individual in virtual spaces. An example method includes linking identities across virtual spaces. The example method further includes verifying identity activity associated with the various other identities using the link between the various other identities and the foundational identity, and based on the verification of the identity activity, generate outputs.

Systems and methods for identifying activities of individuals in virtual spaces using identity linking

Disclosed in some examples are methods, systems, and machine-readable mediums for simultaneously capturing an image of multiple checks for deposit. An example method includes receiving, by a bank computing system and from a user device, a multi-check image depicting a front side of multiple checks for deposit with a bank during a communication session. The bank computing system may generate a front side image for each of the multiple checks from the multi-check image. The bank computing system may receive electronic signature data for a customer, during the communication session, and generate a back side data for each of the multiple checks using the electronic signature data. A check image file may be stored for each respective check of the multiple checks, with each check image file including the back side data, such as a generated image, and the front side image for the respective check.

Simultaneous capture of multiple checks

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

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.

Consumer relationship optimizer

A smart coach computing system receives, from a process site computing device, live feed data of a first user performing a process. The smart coach computing system retrieves a template associated with the process, the template comprising instructions. The smart coach computing system presents, via the process site computing device, the instructions in a stepwise manner based on determining, from the live feed data, completion of each step of the instructions. Upon determining, based on the received live feed data, that the process is complete, the smart coach computing system determines statistics from the live feed data. The smart coach computing system updates the instructions in the template based on the determined statistics.

Systems and methods for improved user interfaces for smart tutorials

A user mobile device includes a network interface, an input/output ('I/O') device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receiver user photograph data including multiple photographs of the user, determine an emotive state of the user in each of the photographs, categorize each photograph into at least a user positive emotion category and a user negative emotion category, receive spending behavior data, generate a user spending alert based on the spending behavior data including a photograph from at least one of the user positive emotion category and the user negative emotion category, and present the spending alert to the user.

Financial alert system based on user photographs associated with user spending behavior

Systems and methods for matching a customer with a service representative

A user mobile device includes a network interface, an input/output ('I/O') device configured to exchange data with a user, the I/O device including a display device configured to present a graphical user interface to the user, an imaging device configured to generate image data; and a processing circuit. The processing circuit comprising a memory and a processor. The memory stores instructions that cause the processor to receive, by at least one of the network interface, I/O device, and imaging device, data indicative of spending behavior of the user, generate a user spending alert based on the received data, the user spending alert including a user photograph, and present, via the display device, the user spending alert to the user.

Financial alert system based on image of user spending behavior

Growing community of inventors

Albany, CA, United States of America

Sadie Salim