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.

Date of Patent:
Nov. 19, 2024

Filed:

May. 09, 2022
Applicant:

Wells Fargo Bank, N.a., San Francisco, CA (US);

Inventors:

Benjamin Taylor, Williston, VT (US);

Carrie Anne Hanson, Charlotte, NC (US);

Dennis Emmanuel Montenegro, Concord, CA (US);

Jason Biala, Martinez, CA (US);

Jason Huang, San Francisco, CA (US);

Sadie Salim, Albany, CA (US);

Jasim Ahamed Pattani Sirajudeen, San Francisco, CA (US);

Assignee:

Wells Fargo Bank, N.A., San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 30/0207 (2023.01);
U.S. Cl.
CPC ...
G06Q 30/0222 (2013.01);
Abstract

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.


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