IP Library Granted Patent US 10,176,522
Granted Patent B1
US 10,176,522 · App. 15/079,155 · Granted Jan 8, 2019

Behavior based determination of financial transaction favorites

Inventors: Margot Lockwood-Stein (Palo Alto, CA); Peter L. Shen (Castro Valley, CA); Amita Kheterpal (San Francisco, CA)
Assignee: Wells Fargo Bank, N.A.
G06Q40/02G06Q40/06
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Quick Facts
Patent No.
US 10,176,522
App. No.
15/079,155
Granted
Jan 8, 2019
Kind
B1
Abstract

Techniques are described for monitoring a plurality of financial transactions of a customer performed across a plurality of financial accounts. The techniques may include determining a subset of the plurality of financial transactions based on a first metric applied to the plurality of financial transactions. The techniques may further include identifying a suggested financial transaction based on a second metric applied to the subset of the plurality of financial transactions. The techniques may further include presenting the suggested financial transaction to the customer via a user interface associated with at least one of the plurality of financial accounts.

Claims (62)

1. A method comprising:

monitoring, by one or more processors of a computer system, a plurality of financial transactions performed by a customer within a plurality of financial accounts;

determining, by the one or more processors, a subset of the plurality of financial transactions based on a first metric applied to the plurality of financial transactions;

identifying, by the one or more processors, at least one suggested financial transaction based on a second metric applied to the subset of the plurality of financial transactions;

presenting, by the one or more processors, the at least one suggested financial transaction to the customer via a user interface associated with at least one of the plurality of financial accounts, wherein the suggested financial transaction comprises one or more parameters and a suggested transaction amount;

receiving, by the one or more processors and from the customer via the user interface, an input specifying an alternate transaction amount for the suggested financial transaction;

generating, by the one or more processors and based on the input, a new financial transaction, wherein the new financial transaction comprises the one or more parameters of the suggested financial transaction and the alternate transaction amount; and

performing, by the one or more processors, the new financial transaction.

2. The method of claim 1 , wherein the first metric applied to the plurality of financial transactions comprises at least one of a predetermined period of time, a predetermined number of financial transactions, or specific financial accounts.

3. The method of claim 1 , wherein the second metric applied to the subset of the plurality of financial transactions comprises one of a most frequently occurring financial transaction or a most recently performed financial transaction.

4. The method of claim 1 , wherein identifying the at least one suggested financial transaction comprises:

determining a frequency of occurrence of each of the subset of the plurality of financial transactions; and

identifying the at least one suggested financial transaction as a most frequently occurring financial transaction of the subset of the plurality of financial transactions.

5. The method of claim 1 , wherein identifying the at least one suggested financial transaction comprises identifying the at least one suggested financial transaction as a most recently performed financial transaction of the subset of the plurality of financial transactions.

6. The method of claim 1 , wherein the one or more parameters of the suggested financial transaction comprise:

a suggested transferring account; and

a suggested receiving account.

7. The method of claim 1 , further comprising:

receiving, by the one or more processors and from the customer via the user interface, selection of the suggested financial transaction;

automatically populating, by the one or more processors, data fields in the user interface to include the one or more parameters and the suggested financial amount for the suggested financial transaction;

wherein receiving the input specifying the alternate transaction amount comprises receiving an edit to the suggested transaction amount included in one of the data fields in the user interface; and

wherein generating the new financial transaction comprises generating, by the one or more processors, the new financial transaction based on the one or more parameters and the alternate transaction amount included in the data fields in the user interface.

8. The method of claim 1 , further comprising:

determining, by the one or more processors, whether the at least one suggested financial transaction has been performed within a predetermined time period; and

based on the at least one suggested financial transaction not being performed within the predetermined time period, presenting, by the one or more processors, a reminder to perform the at least one suggest financial transaction to the customer via the user interface associated with the at least one of the plurality of financial accounts.

9. A computer system comprising:

a memory; and

one or more processors in communication with the memory, wherein the one or more processors are configured to:

monitor a plurality of financial transactions performed by a customer within a plurality of financial accounts;

determine a subset of the plurality of financial transactions based on a first metric applied to the plurality of financial transactions;

identify at least one suggested financial transaction based on a second metric applied to the subset of the plurality of financial transactions;

present the at least one suggested financial transaction to the customer via a user interface associated with at least one of the plurality of financial accounts, wherein the suggested financial transaction comprises one or more parameters and a suggested transaction amount;

receive, from the customer via the user interface, an input specifying an alternate transaction amount for the suggested financial transaction;

generate, based on the input, a new financial transaction, wherein the new financial transaction comprises the one or more parameters of the suggested financial transaction and the alternate transaction amount; and

perform the new financial transaction.

10. The computer system of claim 9 , wherein the first metric applied to the plurality of financial transactions comprises at least one of a predetermined period of time, a predetermined number of financial transactions, or specific financial accounts.

11. The computer system of claim 9 , wherein the second metric applied to the subset of the plurality of financial transactions comprises one of a most frequently occurring financial transaction or a most recently performed financial transaction.

12. The computer system of claim 9 , wherein the one or more processors configured to identify the at least one suggested financial transaction are further configured to:

determine a frequency of occurrence of each of the subset of the plurality of financial transactions; and

identify the at least one suggested financial transaction as a most frequently occurring financial transaction of the subset of the plurality of financial transactions.

13. The computer system of claim 9 , wherein the one or more processors configured to identify the at least one suggested financial transaction are further configured to:

identify the at least one suggested financial transaction as a most recently performed financial transaction of the subset of the plurality of financial transactions.

14. The computer system of claim 9 , wherein the one or more parameters of the suggested financial transaction comprise:

a suggested transferring account; and

a suggested receiving account.

15. The computer system of claim 9 , wherein the one or more processors are further configured to:

receive, from the customer via the user interface, selection of the suggested financial transaction;

automatically populate data fields in the user interface to include the one or more parameters and the suggested financial amount for the suggested financial transaction;

wherein, to receive the input specifying the alternate transaction amount, the one or more processors are further configured to receive an edit to the suggested transaction amount included in one of the data fields in the user interface; and

wherein, to generate the new financial transaction, the one or more processors are further configured to generate the new financial transaction based on the one or more parameters and the alternate transaction amount included in the data fields in the user interface.

16. The computer system of claim 9 , wherein the one or more processors are further configured to:

determine whether the at least one suggested financial transaction has been performed within a predetermined time period; and

based on the at least one suggested financial transaction not being performed within the predetermined time period, present a reminder to perform the at least one suggest financial transaction to the customer via the user interface associated with the at least one of the plurality of financial accounts.

17. A non-transitory computer-readable medium comprising instructions for causing at least one programmable processor to:

monitor a plurality of financial transactions performed by a customer within a plurality of financial accounts;

determine a subset of the plurality of financial transactions based on a first metric applied to the plurality of financial transactions;

identify at least one suggested financial transaction based on a second metric applied to the subset of the plurality of financial transactions;

present the at least one suggested financial transaction to the customer via a user interface associated with at least one of the plurality of financial accounts, wherein the suggested financial transaction comprises one or more parameters and a suggested transaction amount;

receive, from the customer via the user interface, an input specifying an alternate transaction amount for the suggested financial transaction;

generate, based on the input, a new financial transaction, wherein the new financial transaction comprises the one or more parameters of the suggested financial transaction and the alternate transaction amount; and

perform the new financial transaction.

18. The non-transitory computer readable medium of claim 17 , wherein the second metric applied to the subset of the plurality of financial transactions comprises one of a most frequently occurring financial transaction or a most recently performed financial transaction.

Assignments (3)
REQUEST FOR ADDRESS CHANGE Recorded Apr 16, 2026
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 075424/0021 →
REQUEST FOR ADDRESS CHANGE Recorded Dec 4, 2025
From: WELLS FARGO BANK, N.A.
To: WELLS FARGO BANK, N.A.
Reel/Frame 074387/0936 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded May 23, 2018
From: LOCKWOOD-STEIN, MARGOT; SHEN, PETER L.; KHETERPAL, AMITA
To: WELLS FARGO BANK, N.A.
Reel/Frame 047207/0402 →