IP Library Granted Patent US 12,470,651
Granted Patent B1
US 12,470,651 · App. 17/873,005 · Granted Nov 11, 2025

Contextual mobile client application systems and methods

Inventors: Nathan Coles (El Cerrito, CA); Darren Goetz (Salinas, CA); Uma Meyyappan (Freemont, CA); Dennis Montenegro (Concord, CA); Steve Perez (Alameda, CA); Debarchana Roy (San Francisco, CA)
Assignee: Wells Fargo Bank, N.A.
H04M1/72454G06F9/4451G06N5/04G06Q10/063114G06Q10/103G06Q10/105G06Q20/0855G06Q20/108G06Q20/3223G06Q20/3224G06Q20/326G06Q20/40145G06Q30/0185G06Q30/0201G06Q40/02G06Q50/01H04M1/72457H04W4/021
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Quick Facts
Patent No.
US 12,470,651
App. No.
17/873,005
Granted
Nov 11, 2025
Kind
B1
Abstract

A method includes obtaining, by a mobile client application of a user mobile device, context data associated with a user, predicting, by the mobile client application, an intended action of the user to be performed at a provider location based on the context data associated with the user, and switching, by the mobile client application, into a context-based application mode based on the intended action of the user.

Claims (42)

1 . A method comprising:

obtaining, by a mobile client application of a user mobile device, context data associated with a user;

predicting, by the mobile client application, an intended action of the user to be performed at a provider location based on the context data associated with the user; and

switching, by the mobile client application, into a context-based application mode based on the intended action of the user.

2 . The method of claim 1 , further comprising providing, by the mobile client application, a suggestion to the user via the user mobile device, the suggestion being associated with the intended action.

3 . The method of claim 1 , wherein, upon completion of the intended action, the method further comprises:

generating, by the mobile client application, user information based on an action performed by the user while completing the intended action; and

transmitting, via a network interface of the user mobile device, the user information to a provider to be stored in a user database.

4 . The method of claim 1 , further comprising:

determining that the user mobile device is physically located within or near the provider location using geofencing technology.

5 . The method of claim 1 , further comprising:

obtaining, by the mobile client application, user information associated with the user, wherein the user information further comprises at least one of employer-related data, transactional data, behavioral data, locational data, social media data, weather data, and current event data.

6 . The method of claim 1 , wherein the context-based application mode comprises a minimal and restricted version of the mobile client application configured to allow the user to perform a delegated action on behalf of an account holder associated with a provider.

7 . The method of claim 1 , wherein switching into the context-based application mode further comprises pairing with an interactive electronic device associated with a provider, and the context-based application mode is configured to provide a user interface to the user mobile device that allows the user to control functionality of the interactive electronic device.

8 . The method of claim 1 , wherein the context-based application mode is a collaboration mode that facilitates collaboration between the user and an employee of a provider to perform the intended action.

9 . The method of claim 1 , wherein the context-based application mode is a collaboration mode that facilitates a dual-custody task to be completed by a provider employee that is monitored by the mobile client application.

10 . The method of claim 1 , further comprising:

interfacing, by the mobile client application, to a third party service via an API; and

automating, by the mobile client application, at least one of a third party payment.

11 . A non-transitory computer-readable media having computer-executable instructions embodied therein that, when executed on a processor of a user mobile device, cause the user mobile device to perform operations, the operations comprising:

obtain context data associated with a user;

predict an intended action of the user to be performed at a provider location based on the context data associated with the user; and

switch into a context-based application mode based on the intended action of the user.

12 . The non-transitory computer-readable media of claim 11 , the operations further comprising providing, by a mobile client application, a suggestion to the user via the user mobile device, the suggestion being associated with the intended action.

13 . The non-transitory computer-readable media of claim 11 , wherein, upon completion of the intended action, the operations further comprising:

generating, by a mobile client application, user information based on an action performed by the user while completing the intended action; and

transmitting, via a network interface of the user mobile device, the user information to a provider to be stored in a user database.

14 . The non-transitory computer-readable media of claim 11 , the operations further comprising:

obtaining, by a mobile client application, user information associated with the user, wherein the user information further comprises at least one of employer-related data, transactional data, behavioral data, locational data, social media data, weather data, and current event data.

15 . The non-transitory computer-readable media of claim 11 , wherein the context-based application mode comprises a minimal and restricted version of a mobile client application configured to allow the user to perform a delegated action on behalf of an account holder associated with a provider.

16 . The non-transitory computer-readable media of claim 11 , wherein switching into the context-based application mode further comprises pairing with an interactive electronic device associated with a provider, and the context-based application mode is configured to provide a user interface to the user mobile device that allows the user to control functionality of the interactive electronic device.

17 . The non-transitory computer-readable media of claim 11 , wherein the context-based application mode is a collaboration mode that facilitates collaboration between the user and an employee of a provider to perform the intended action.

18 . The non-transitory computer-readable media of claim 11 , wherein the context-based application mode is a collaboration mode that facilitates a dual-custody task to be completed by a provider employee that is monitored by a mobile client application.

19 . The non-transitory computer-readable media of claim 11 , the operations further comprising:

interfacing, by a mobile client application, to a third party service via an API; and

automating, by the mobile client application, at least one of a third party payment.

20 . A system associated with a provider, the system comprising:

a provider computing system associated with the provider;

a user mobile device including a network interface circuit and a processing circuit, the network interface circuit being configured to communicate with the provider computing system over a network, the processing circuit including a processor and a memory, the memory containing instructions which when executed by the processor cause it to:

obtain context data associated with a user;

predict an intended action of the user to be performed at a provider location based on the context data associated with the user; and

switch into a context-based application mode based on the intended action of the user.

Continuity (1)
Continuation 16934785 · Jul 21, 2020
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