IP Library Granted Patent US 9,990,814
Granted Patent B1
US 9,990,814 · App. 14/988,916 · Granted Jun 5, 2018

Automatic notification generation

Inventors: Kourtney Eidam (Marietta, GA); Michael T. Duke (Charlotte, NC)
Assignee: Wells Fargo Bank, N.A.
G08B5/36H04N5/76H04W4/02
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Quick Facts
Patent No.
US 9,990,814
App. No.
14/988,916
Granted
Jun 5, 2018
Kind
B1
Abstract

An electronic computing device includes a processing unit and system memory. The system memory includes instructions which, when executed by the processing unit, cause the electronic computing device to monitor audio from a conversation. One or more keywords are identified from the audio. A context of the conversation is identified from the audio. One or more alerts are displayed on a display screen of the electronic computing device. Each of the one or more alerts corresponds to the context of the conversation. Each of the one or more alerts corresponds to a notification to be communicated to an individual. One of the notifications is obtained. The notification is displayed on the display screen of the electronic computing device.

Claims (36)

1. A server computer comprising:

a processing unit; and

system memory, the system memory including instructions which, when executed by the processing unit, cause the server computer to:

receive a first message from an electronic computing device, the first message including one or more keywords from a conversation and an identification of a context of the conversation;

identify one or more notices or disclaimers corresponding to the one or more keywords and the context that are required to be communicated to an individual as a matter of law or business policy;

send a checklist of notice or disclaimer items to the electronic computing device, the checklist being created based on the one or more keywords and the context;

receive a selection of a notice or disclaimer item from the electronic computing device;

send to the electronic computing device a notice or disclaimer corresponding to the notice or disclaimer item, the notice comprising a statement from an organization regarding the selection that explains one or more aspects of the selection, the disclaimer comprising a statement from the organization that denies responsibility of the organization regarding the selection;

receive an audio and/or video recording of all or part of the conversation;

identify one or more parts of the audio and/or video recording that verify that one or more notices or disclaimers have been communicated to an individual; and

store the one or more parts of the audio and/or video recording that verify that the one or more notices or disclaimers have been communicated to the individual.

2. The server computer of claim 1 , further comprising:

receive an indication from the electronic computing device that the notice or disclaimer has been communicated to one or more individuals; and

determine a notice or disclaimer item to be activated next; and

send a second message to the electronic computing device indicating the notice or disclaimer item to be activated next.

3. The server computer of claim 2 , wherein the instructions further cause the server computer to update a status to indicate that the notice or disclaimer has been communicated to the one or more individuals.

4. The server computer of claim 1 , wherein the instructions further cause the server computer to:

receive indications from the electronic computing device that a last notice or disclaimer has been communicated to one or more individuals; and

generate a report indicating notices or disclaimers on the checklist that have been communicated to the one or more individuals and indicating notices or disclaimers on the checklist that have not been communicated to the one or more individuals.

5. The server computer of claim 1 , wherein the one or more notices or disclaimers that are sent to the electronic computing device are customized based on laws of a state of the United States in which the electronic computing device is located.

6. An electronic computing device comprising:

a processing unit; and

system memory, the system memory including instructions which, when executed by the processing unit, cause the electronic computing device to:

monitor audio from a conversation;

identify one or more keywords from the audio;

identify a context of the conversation from the audio that an individual is applying for a mortgage;

determine whether the individual is applying for a new mortgage or to refinance an existing mortgage;

when a determination is made that the individual is applying for a new mortgage, display on an augmented reality headset of the electronic computing device a checklist of notice or disclaimer items related to a new mortgage application corresponding to the context and keywords, each notice or disclaimer item comprising one or more words or phrases identifying a notice or disclaimer to be communicated to a customer, the checklist of notice or disclaimer items including words or phrases of items including initial interest rate, changes to interest rates, application costs, closing costs, late payments and foreclosures;

when a determination is made that the individual is applying to refinance an existing mortgage, display on an augmented reality headset of the electronic computing device a checklist of notice or disclaimer items related to refinancing an existing mortgage corresponding to the context and keywords, each notice or disclaimer item comprising one or more words or phrases identifying a notice or disclaimer to be communicated to a customer;

receive a selection of a notice or disclaimer item;

receive text of a notice or disclaimer corresponding to the selected notice or disclaimer item, the text of the notice comprising a statement from an organization regarding the selection that explains one or more aspects of the selection, the text of the disclaimer comprising a statement from the organization that denies responsibility of the organization regarding the selection;

display the notice or disclaimer on an augmented reality headset display;

record audio of one or more parts of the conversation, the recorded audio indicating that the notice or disclaimer has been communicated to the customer;

send an indication to a server computer that the notice or disclaimer has been communicated to the customer;

check a checkbox on the checklist adjacent to a notice or disclaimer item corresponding to the notice or disclaimer that has been communicated to the customer or change a display color of a notice or disclaimer item corresponding to the notice or disclaimer that has been communicated to the customer; and

send a recording to the server computer of the communications of the notices and disclaimers to the customer.

Assignments (2)
STATEMENT OF CHANGE OF ADDRESS OF ASSIGNEE Recorded Jun 17, 2025
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 071658/0990 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 1, 2016
From: EIDAM, KOURTNEY; DUKE, MICHAEL T.
To: WELLS FARGO BANK, N.A.
Reel/Frame 037860/0500 →
Continuity (1)
Provisional Application 62200840 · Aug 4, 2015