US 11,748,420 B1
Optimizing display of disclosure based on prior interactions
Tyua Fraser, Livermore, CA (US); Dennis E. Montenegro, Concord, CA (US); Muhammad Farukh Munir, Pittsburg, CA (US); David Newman, Walnut Creek, CA (US); and Abhijit Shetti, Pleasanton, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Jul. 18, 2022, as Appl. No. 17/867,571.
Application 16/881,434 is a division of application No. 15/635,721, filed on Jun. 28, 2017, granted, now 10,664,528.
Application 17/867,571 is a continuation of application No. 16/881,434, filed on May 22, 2020, granted, now 11,392,653.
This patent is subject to a terminal disclaimer.
Int. Cl. G06F 16/93 (2019.01); G06F 16/9032 (2019.01)
CPC G06F 16/93 (2019.01) [G06F 16/90324 (2019.01)] 20 Claims
OG exemplary drawing
 
1. A computer-implemented method of pushing disclosure to an account holder, the method comprising:
receiving, by one or more processors, a request for first data comprising a first account from a computing device; and
identifying, by the one or more processors in response to the request, a financial history of the first account operating on a financial institution computing system;
determining, by the one or more processors, based on the financial history, a plurality of financial instrument transfers to the first account exceeds a predetermined threshold;
associate, by the one or more processors, each financial instrument transfer of the determined plurality of financial instrument transfers with a respective calendar date;
predict a financial instrument transfer based on the determined plurality of financial instrument transfers;
predicting, by the one or more processors, a violation of a term of a disclosure related with the predicted financial instrument transfer based on a predicted account balance related to the first account being below the predetermined threshold consequent to the predicted financial instrument transfer from the first account;
determining, by the one or more processors, a section of the disclosure relevant to the predicted violation of the term of the disclosure consequent to analyzing the first data associated with the first account; and
transmitting, by the one or more processors, based on the section of the disclosure relevant to the predicted violation of the term of the disclosure, data to a computing device related with the first account to visually prioritize upon display the determined section of the disclosure, wherein the data comprise a query to update the first account based on the predicted violation of the term of the disclosure associated with the financial instrument transfer.