Wells Fargo Bank, N.A.

Stephen W Krause

Steven M Trudeau

Glenn W Pike

Scott R Kinney

Jason Avery

Christian L Hunt

A system and computer-readable storage medium perform a method for contextual inferring capacity for triggering a financial transaction by monitoring, via user device(s), objective contextual data of location, temporal, and volitional transaction information associated with an authorized user of a financial system. Subjective contextual data of personal calendar events, physiological data, and pacing of user interactions with the user device(s) is monitored. The objective and subjective contextual data is analyzed to create scenario(s) correlated with performing a volitional transaction. If not predictive a volitional transaction, a layer of security protocol is added for authentication prior to executing the volitional transaction. In response to determining that the current context is predictive of a volitional transaction, a determination is made whether the subjective contextual data satisfies criterion for incapacity to perform a volitional transaction. In response to determining incapacity to perform the volitional transaction, access to the financial system is limited.

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Fountain Hills, AZ, United States of America

Stephen W Krause