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:
Oct. 14, 2025
Filed:
Aug. 31, 2022
Wells Fargo Bank, N.a., San Francisco, CA (US);
Ashish B. Kurani, Hillsborough, CA (US);
James C. Noe, Charlotte, NC (US);
Imran Haider, San Ramon, CA (US);
Frank Fehrenbach, New York, NY (US);
Guruprasadh Ragothaman, San Francisco, CA (US);
Matthew C. Strader, San Francisco, CA (US);
Palani Munuswamy, San Francisco, CA (US);
Chandra Subramanian, San Francisco, CA (US);
George Atala, San Francisco, CA (US);
Mattie L. Morris, Chandler, AZ (US);
Braden More, San Francisco, CA (US);
Loftlon Worth, San Francisco, CA (US);
Nathan B. Coles, San Francisco, CA (US);
Wells Fargo Bank, N.A., San Francisco, CA (US);
Abstract
Systems and methods for providing recommendations relating to payment methods include establishing a connection between a first application executing on a first server and a second application executing on a second server where the first and second applications are linked to a first account holder. The first application may receive invoice data of a plurality of invoices from the second application. The first application may identify that at least one recipient is enrolled to accept a second payment type with one or more second account holders. The first application may identify a subset of invoices corresponding to the at least one recipient, compute a difference between a first value corresponding to usage of a first payment type and a second value corresponding to usage of the second payment type, and present a recommendation to enroll the first account holder with the second payment type based on the difference.