US2023245126A1PendingUtilityA1

Value-added services provided in a seamless life format

Assignee: WELLS FARGO BANK NAPriority: Oct 6, 2015Filed: Apr 12, 2023Published: Aug 3, 2023
Est. expiryOct 6, 2035(~9.2 yrs left)· nominal 20-yr term from priority
G06Q 20/405G06Q 20/4016G06Q 20/3224H04L 2463/102H04W 12/63H04W 12/71H04W 12/72G06Q 20/4014G06Q 20/409G06Q 20/4015H04L 67/53H04L 67/306H04L 67/535H04W 4/021H04W 12/06
68
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Claims

Abstract

Value-added services that allow for a seamless integration of actions related to activities and/or events are provided. A determination is made that an event has started based on scheduled event data or historical information associated with a user. Profile data associated with the user is identified based on the start of the first event. The identity of the user is verified based on a mapping between the profile data and data related to the first event. Further, an activity related to a second event is triggered after completion of a transaction of the first event is completed. A suggested action may be activated based on the trigger event. The suggested action is based on historical information associated with the user and is not a component of the first event or the second event.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
         1 . A method, comprising:
 determining a habit of a user based on historical data;   determining a first event based on scheduled event data and the habit;   determining an identity of the user for the first event based on an expected match between a user profile associated with the user and data related to the first event;   identifying, using a machine learning and reasoning component, related events historically performed at a same time by the user;   identifying, using the machine learning and reasoning component based on the related events, a second event to execute upon completion of the first event;   triggering and executing, the second event upon effecting completion of a first transaction at the first event, wherein executing the second event comprises instructing a second system to perform the second event, wherein the second system performs the second event and performing the second event comprises completing a second transaction for the second event by dynamically executing a monetary exchange from an account associated with the identity of the user into another financial account associated with a third party associated with the first event without user intervention, and wherein the monetary exchange is conducted over a wireless communications network.   
     
     
         2 . The method of  claim 1 , further comprising:
 receiving an identification of a mobile device associated with the identity of the user; and   determining a geolocation of the mobile device.   
     
     
         3 . The method of  claim 2 , wherein determining an identity of the user comprises determining the geolocation of the mobile device is substantially the same as an expected location of the first event. 
     
     
         4 . The method of  claim 2 , wherein determining a geolocation of the mobile device further comprises determining a future expected location of the user. 
     
     
         5 . The method of  claim 1 , further comprising determining a recommended action based on the second event, wherein the recommended action is determined based on historical information associated with the identity of the user. 
     
     
         6 . The method of  claim 5 , wherein the recommended action relates to a health condition of the user. 
     
     
         7 . The method of  claim 5 , wherein the recommended action comprises providing a list of preferred merchants. 
     
     
         8 . The method of  claim 5 , wherein the recommended action comprises providing a list of nearby restaurants. 
     
     
         9 . The method of  claim 1 , further comprising providing an electronic notification associated with completion of the first transaction. 
     
     
         10 . The method of  claim 9 , wherein the electronic notification is transmitted over the wireless communications network. 
     
     
         11 . A system comprising:
 a processor configured to:   determine a habit of a user based on historical data;   determine a first event based on scheduled event data and the habit;   determine an identity of the user for the first event based on an expected match between a user profile associated with the user and data related to the first event;   identify, using a machine learning and reasoning component, related events historically performed at a same time by the user;   identify, using the machine learning and reasoning component based on the related events, a second event to execute upon completion of the first event;   trigger and execute, the second event upon effecting completion of a first transaction at the first event, wherein executing the second event comprises instructing a second system to perform the second event, wherein the second system performs the second event and performing the second event comprises completing a second transaction for the second event by dynamically executing a monetary exchange from an account associated with the identity of the user into another financial account associated with a third party associated with the first event without user intervention, and wherein the monetary exchange is conducted over a wireless communications network.   
     
     
         12 . The system of  claim 11 , wherein the processor is further configured to:
 receive an identification of a mobile device associated with the identity of the user; and   determine a geolocation of the mobile device.   
     
     
         13 . The system of  claim 12 , wherein determining an identity of the user comprises determining the geolocation of the mobile device is substantially the same as an expected location of the first event. 
     
     
         14 . The system of  claim 12 , wherein determining a geolocation of the mobile device further comprises determining a future expected location of the user. 
     
     
         15 . The system of  claim 11 , wherein the processor is further configured to determine a recommended action based on the second event, wherein the recommended action is determined based on historical information associated with the identity of the user. 
     
     
         16 . The system of  claim 15 , wherein the recommended action relates to a health condition of the user. 
     
     
         17 . The system of  claim 15 , wherein the recommended action comprises providing a list of preferred merchants. 
     
     
         18 . The system of  claim 15 , wherein the recommended action comprises providing a list of nearby restaurants. 
     
     
         19 . The system of  claim 11 , further comprising providing an electronic notification associated with completion of the first transaction. 
     
     
         20 . A non-transitory computer readable medium comprising program code that, when executed by one or more processors, causes the one or more processors to:
 determine a habit of a user based on historical data;   determine a first event based on scheduled event data and the habit;   determine an identity of the user for the first event based on an expected match between a user profile associated with the user and data related to the first event;   identify, using a machine learning and reasoning component, related events historically performed at a same time by the user;   identify, using the machine learning and reasoning component based on the related events, a second event to execute upon completion of the first event;   trigger and execute, the second event upon effecting completion of a first transaction at the first event, wherein executing the second event comprises instructing a second system to perform the second event, wherein the second system performs the second event and performing the second event comprises completing a second transaction for the second event by dynamically executing a monetary exchange from an account associated with the identity of the user into another financial account associated with a third party associated with the first event without user intervention, and wherein the monetary exchange is conducted over a wireless communications network.

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