IP Library Granted Patent US 12,299,093
Granted Patent B1
US 12,299,093 · App. 17/893,947 · Granted May 13, 2025

Machine-learning for real-time and secure analysis of digital metrics

Inventors: Thomas E. Bell (San Francisco, CA); Peter Bordow (Fountain Hills, AZ); Julio Jiron (San Bruno, CA); Akhlaq M. Khan (San Francisco, CA); Volkmar Scharf-Katz (San Francisco, CA); Jeff J. Stapleton (Arlington, TX); Richard Orlando Toohey (San Francisco, CA); Ramesh Yarlagadda (San Francisco, CA)
Assignee: Wells Fargo Bank, N.A.
G06F21/316G06F21/46
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Quick Facts
Patent No.
US 12,299,093
App. No.
17/893,947
Granted
May 13, 2025
Kind
B1
Abstract

Disclosed are example methods, systems, and devices that allow for executing machine-learning models for real-time and secure analysis of digital metrics. The techniques include generating metrics for identity elements stored in digital profiles of users. A subset of profiles can be identified that have metrics that fall below a predetermined thresholds, with which a training dataset can be generated. Machine-learning models can be executed over the training dataset to train an artificial intelligence agent that receives digital profiles as input and outputs translational elements corresponding to identity elements in the digital profiles. After training, additional profiles can be input to the machine-learning models of the artificial intelligence agent to identify a second subset of digital profiles with corresponding metrics. Electronic messages corresponding to the second subset can be generated and transmitted to one or more computing devices identified in the second subset of digital profiles.

Claims (41)

1. A method, comprising:

generating, by a computing system comprising one or more processors, for each digital identity profile in a first set of digital identity profiles, a first metric corresponding to a first time period, and a second metric corresponding to a second time period following the first time period;

identifying, by the computing system, a first subset of the first set of digital identity profiles for which (i) the first metric falls below a threshold, and (ii) the second metric is at least as great as the threshold;

generating, by the computing system, for each digital identity profile in the first subset of digital identity profiles, a training dataset based on a first set of digital identity elements and a second set of digital identity elements;

applying, by the computing system, one or more machine learning models to the training dataset to train an artificial intelligence (AI) agent that is configured to receive, as input, digital identity profiles and provide, as output, transitional elements corresponding to digital identity elements in the digital identity profiles received as input;

generating, by the computing system, a third metric for each digital identity profile in a second set of digital identity profiles;

identifying, by the computing system, a second subset of the second set of digital identity profiles for which the third metric falls below the threshold;

inputting, by the computing system, the second subset of second set of digital identity profiles to the AI agent to generate, for each digital identity profile in the second set of digital identity profiles, a set of transitional elements; and

transmitting, by the computing system, to one or more computing devices identified in the second subset of digital identity profiles, one or more electronic messages corresponding to the set of transitional elements.

2. The method of claim 1 , wherein applying the one or more machine learning models comprises applying a pattern recognition model or a classification model to recognize normal or abnormal patterns of behavior.

3. The method of claim 1 , wherein applying the one or more machine learning models comprises applying a regression model to identify causal factors for one or more identity elements or corresponding metadata in digital identity profiles.

4. The method of claim 1 , wherein applying the one or more machine learning models comprises applying a decisioning model to identify actions suited to achieving particular goals based on available options.

5. The method of claim 1 , further comprising adding, by the computing system, the set of transitional elements to corresponding digital identity profiles in the second subset of digital identity profiles.

6. The method of claim 1 , wherein the computing system is a first computing system, the method further comprising retrieving, by the first computing system, from a second computing system with the first set of digital identity profiles, the first set of digital identity elements corresponding to the first time period, the first set of metadata corresponding to the first set of digital identity elements, the second set of digital identity elements corresponding to the second time period, and the second set of metadata corresponding to the second set of digital identity elements.

7. The method of claim 6 , wherein the retrieving comprises transmitting a first application programming interface (API) call to the second computing system.

8. The method of claim 1 , wherein the computing system is a first computing system, the method further comprising retrieving, by the first computing system, the second set of digital identity profiles from a second computing system.

9. The method of claim 8 , wherein the retrieving comprises transmitting an application programming interface (API) call to the second computing system.

10. The method of claim 1 , wherein the first set of digital identity profiles and the second set of digital identity profiles are maintained by the computing system.

11. The method of claim 1 , wherein a metric meeting or exceeding the threshold indicates electronic activities that correspond to a predetermined outcome.

12. The method of claim 1 , wherein the one or more electronic messages comprise one or more selectable electronic links for activities corresponding to a predetermined outcome.

13. The method of claim 12 , further comprising determining, by the computing system, that one or more selectable links in the one or more electronic messages have been activated.

14. The method of claim 13 , further comprising adding, by the computing system, an indication that one or more selectable links have been activated.

15. The method of claim 13 , further comprising transmitting a second set of one or more electronic messages based on activation of one or more selectable links.

16. A computing system comprising one or more hardware processors coupled to non-transitory memory, the computing system configured to:

generate, for each digital identity profile in a first set of digital identity profiles, a first metric corresponding to a first time period, and a second metric corresponding to a second time period following the first time period;

identify a first subset of the first set of digital identity profiles for which (i) the first metric falls below a threshold, and (ii) the second metric is at least as great as the threshold;

generate, for digital identity profiles in the first subset of digital identity profiles, a training dataset based on a first set of digital identity elements and a second set of digital identity elements;

apply one or more machine learning models to the training dataset to train an artificial intelligence (AI) agent that is configured to receive, as input, digital identity profiles and provide, as output, transitional elements corresponding to digital identity elements in the digital identity profiles received as input;

generate a third metric for each digital identity profile in a second set of digital identity profiles;

identify a second subset of the second set of digital identity profiles for which the third metric falls below the threshold;

input the second subset of second set of digital identity profiles to the AI agent to generate, for each digital identity profile in the second set of digital identity profiles, a set of transitional elements; and

transmit, to one or more computing devices identified in the second subset of digital identity profiles, one or more electronic messages corresponding to the set of transitional elements.

17. The computing system of claim 16 , wherein applying the one or more machine learning models comprises applying at least one of:

a pattern recognition model or a classification model to recognize normal or abnormal patterns of behavior;

a regression model to identify causal factors for one or more identity elements or corresponding metadata in digital identity profiles; or

a decisioning model to identify actions suited to achieving particular goals based on available options.

18. The computing system of claim 16 , the one or more processors further configured to add the set of transitional elements to corresponding digital identity profiles in the second subset of digital identity profiles.

19. The computing system of claim 16 , wherein the one or more electronic messages comprise one or more selectable electronic links for activities corresponding to a predetermined outcome.

20. The computing system of claim 19 , the one or more processors further configured to:

determine that one or more selectable links in the one or more electronic messages have been activated; and

transmit a second set of one or more electronic messages based on activation of one or more selectable links.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Aug 1, 2024
From: BELL, THOMAS E.; BORDOW, PETER; JIRON, JULIO; KHAN, AKHLAQ M.; SCHARF-KATZ, VOLKMAR; STAPLETON, JEFF J.; TOOHEY, RICHARD ORLANDO; YARLAGADDA, RAMESH
To: WELLS FARGO BANK, N.A.
Reel/Frame 068156/0689 →
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