US 11,657,399 B1
Value-added services provided in a seamless life format
Bipin Sahni, Pleasanton, CA (US); Matthew Martinez, San Francisco, CA (US); and Melody Kao, San Francisco, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., Charlotte, NC (US)
Filed on Oct. 6, 2015, as Appl. No. 14/876,153.
Int. Cl. G06Q 10/00 (2023.01); G06Q 20/40 (2012.01); H04L 67/306 (2022.01); H04W 12/06 (2021.01); H04W 4/021 (2018.01); H04L 67/53 (2022.01); H04L 67/50 (2022.01)
CPC G06Q 20/4014 (2013.01) [H04L 67/306 (2013.01); H04L 67/53 (2022.05); H04L 67/535 (2022.05); H04W 4/021 (2013.01); H04W 12/06 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A system, comprising:
a processor that executes the following computer executable components stored in a memory:
an event manager that determines commencement of a first event based on scheduled event data or historical information associated with an identity of a user, wherein the historical information indicates a determined habit of the user, wherein determining the habit includes determining that a number of instances of past behavior exceeds a predefined threshold number;
an evaluation manager that identifies profile data associated with the identity of the user based on the commencement of the first event;
an authenticator that selectively verifies the identity of the user based on a mapping between the profile data and data related to the first event;
a machine learning and reasoning component that:
identifies related events historically performed at a same time by the user; and
identifies, based on the related events, a second event to execute upon completion of the first event; and
an action manager that triggers and executes the second event upon effecting completion of a first transaction at the first event,
wherein executing the second event comprises the action manager instructing a second system to perform the second event, wherein the second system performs the second event, and wherein performing the second event includes completing a second transaction for the second event;
wherein the action manager effects completion of the first transaction of the first 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.