IP Library Granted Patent US 11,922,445
Granted Patent B1
US 11,922,445 · App. 17/529,097 · Granted Mar 5, 2024

Using native and non-native events to control funding/actions on various connected digital platforms

Inventors: Sameer Aery (Charlotte, NC); Nathan Bray (Salt Lake City, UT); Frank Fehrenbach (New York, NY); Sreenivas Vas Kodali (Charlotte, NC); Ashish B. Kurani (Hillsborough, CA)
Assignee: Wells Fargo Bank, N.A.
G06Q30/0207
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Quick Facts
Patent No.
US 11,922,445
App. No.
17/529,097
Granted
Mar 5, 2024
Kind
B1
Abstract

A method, apparatus, and system of using native and non-native events to control incentives in a computing environment is provided. A method includes: creating, by a processing circuit, a master account; creating, by the processing circuit, a subordinate account linked to the master account; receiving, by the processing circuit and from the master account, a first task and an associated incentive for the first task; detecting, by the processing circuit, a native or non-native event regarding the first task; and, implementing, by the processing circuit, an action corresponding to the associated incentive based on detecting the native or non-event regarding the first task. Detecting the native event includes receiving a message directly from a device linked to the processing circuit. Detecting a non-native event includes receiving an indication from a user device associated with the subordinate account.

Claims (36)

1. A method of using native and non-native events to control incentives, the method comprising:

creating, by a processing circuit, a master account;

creating, by the processing circuit, a subordinate account linked to the master account;

receiving, by the processing circuit and from the master account, a first task and an associated incentive for the first task;

detecting, by the processing circuit, a native or non-native event regarding the first task, wherein detecting the native event comprises receiving a message directly from a device linked to the processing circuit, the message comprising geolocation data of a user device associated with the subordinate account, and wherein detecting a non-native event comprises receiving an indication from the user device associated with the subordinate account, the indication comprising at least one of the geolocation data, a photograph, or a video;

determining, by the processing circuit, a completion of the first task by at least one of analyzing the at least one of the photograph or the video to detect the non-native event or comparing the geolocation data to a location associated with the first task to detect the native event or the non-native event; and

implementing, by the processing circuit, an action corresponding to the associated incentive based on detecting the completion of the first task.

2. The method of claim 1 , further comprising receiving, by the processing circuit and from the master account, a verification rule associated with the first task.

3. The method of claim 1 , wherein the geolocation data includes at least one of an indication of an instantaneous geolocation of the user device or a time lapse of the geolocation of the user device over a predefined time period.

4. The method of claim 1 , wherein detecting a non-native event further comprises receiving, by the processing circuit, a verification message from a user device associated with the master account.

5. The method of claim 1 , wherein the implemented action includes sending, by the processing circuit to a digital platform coupled thereto, a command to add additional access time to the digital platform for a digital platform account associated with the subordinate account.

6. The method of claim 1 , wherein the implemented action includes sending, by the processing circuit to a digital platform coupled thereto, a command to turn off the digital platform.

7. A system, comprising:

a processing circuit comprising a memory coupled to a processor, the memory storing instructions therein that, when executed by the processor, cause the processing circuit to:

create a master account;

create a subordinate account linked to the master account;

receive from the master account, a first task and an associated incentive for the first task;

detect a native or non-native event regarding the first task, wherein detecting the native event comprises receiving a message directly from a device linked to the processing circuit, the message comprising geolocation data of a user device associated with the subordinate account, and wherein detecting a non-native event comprises receiving an indication from the user device associated with the subordinate account, the indication comprising at least one of the geolocation data, a photograph, or a video;

determine a completion of the first task by at least one of analyzing the at least one of the photograph or the video to detect the non-native event or comparing the geolocation data to a location associated with the first task to detect the native event or the non-native event; and

implement an action corresponding to the associated incentive based on determining the completion of the first task.

8. The system of claim 7 , wherein the instructions, when executed by the processor, further cause the processing circuit to receive, from the master account, a verification rule associated with the first task.

9. The system of claim 7 , wherein the geolocation data includes at least one of an indication of an instantaneous geolocation of the user device or a time lapse of the geolocation of the user device over a predefined time period.

10. The system of claim 7 , wherein detecting a non-native event further comprises receiving a verification message from a user device associated with the master account.

11. The system of claim 7 , wherein the implemented action includes sending, to a digital platform, a command to add additional access time to the digital platform for a digital platform account linked to the subordinate account.

12. The system of claim 7 , wherein the implemented action includes sending, to a digital platform, a command to turn off the digital platform.

13. A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a processor of a provider institution computing system, cause the processor to perform operations comprising:

creating a master account;

creating a subordinate account linked to the master account;

receiving, from the master account, a first task and an associated incentive for the first task;

detecting a native or non-native event regarding the first task, wherein detecting the native event comprises receiving a message directly from a device linked to the processor, the message comprising geolocation data of a user device associated with the subordinate account, and wherein detecting a non-native event comprises receiving an indication from the user device associated with the subordinate account, the indication comprising at least one of the geolocation data, a photograph, or a video;

determining a completion of the first task by at least one of analyzing the at least one of the photograph or the video to detect the non-native event or comparing the geolocation data to a location associated with the first task to detect the native event or the non-native event; and

implementing an action corresponding to the associated incentive based on determining the completion of the first task.

14. The non-transitory computer readable media of claim 13 , wherein the operations further comprise receiving, from the master account, a verification rule associated with the first task.

15. The non-transitory computer readable media of claim 13 , wherein the implemented action includes sending, to a digital platform, a command to add additional access time to the digital platform for a digital platform account linked to the subordinate account.

16. The non-transitory computer readable media of claim 13 , wherein the geolocation data includes at least one of an indication of an instantaneous geolocation of the user device or a time lapse of the geolocation of the user device over a predefined time period, wherein the operations further comprise comparing, by the processor.

17. The non-transitory computer readable media of claim 13 , wherein detecting a non-native event further comprises receiving a verification message from a user device associated with the master account.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 12, 2024
From: AERY, SAMEER; BRAY, NATHAN; FEHRENBACH, FRANK; KODALI, SREENIVAS VAS; KURANI, ASHISH B.
To: WELLS FARGO BANK, N.A.
Reel/Frame 066114/0874 →
Continuity (2)
Provisional Application 63170275 · Apr 2, 2021
Provisional Application 63115479 · Nov 18, 2020
Cited By (2)
US 12,393,734 US 12,399,927