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:
Apr. 30, 2024
Filed:
May. 24, 2021
Wells Fargo Bank, N.a., San Francisco, CA (US);
Wayne Barakat, Novato, CA (US);
Michael Fitzpatrick, Danville, CA (US);
Mark A. Frank, San Francisco, CA (US);
Yvette M. Hatton, El Cerrito, CA (US);
Pey-Ning Huang, San Francisco, CA (US);
Michael Lyon, Everett, WA (US);
Kimberly D. Peck, San Francisco, CA (US);
Melissa Schroder Viscomi, Exton, PA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
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.