The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Mar. 30, 2021
Filed:
Apr. 17, 2017
Wells Fargo Bank, N.a., San Francisco, CA (US);
Eric Greene, Piedmont, CA (US);
Simone Harvey, Berkeley, CA (US);
Adnan Khan, San Francisco, CA (US);
Ajit Limaye, Portland, OR (US);
Evelyn Ujanen, San Francisco, CA (US);
Paul Vittimberga, Oakland, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
A financial institution computing system includes a network interface structured to communicate data over a network, a user database configured to store information to a plurality of users, and a processing circuit comprising a processor and a memory. The memory is structured to store instructions that are executable by the processor and cause the processor to retrieve a user transaction history associated with the user payment account from the user database, determine a baseline level of user spending based on the user transaction history, receive, by the network interface, user activity information pertaining to the user, determine that the received user activity information is indicative of a predetermined level of user spending relative to a baseline level of user spending, and transmit, by the network interface, an alert to a user computing device associated with the user responsive to the determination.