US 11,836,699 B1
Systems and methods for continuous availability of account information
Shailesh Hedaoo, Fremont, CA (US); Benjamin Soccorsy, Larkspur, CA (US); Manish Adeshara, Fremont, CA (US); Ashish G. Khapre, Fremont, CA (US); Chintan Mehta, San Ramon, CA (US); Manoj Thorat, Fremont, CA (US); Ajith Thoutu, Dublin, CA (US); and Priyank Tiwari, Irving, TX (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 Feb. 26, 2020, as Appl. No. 16/802,362.
Claims priority of provisional application 62/916,665, filed on Oct. 17, 2019.
Int. Cl. G06Q 20/32 (2012.01)
CPC G06Q 20/3221 (2013.01) [G06Q 20/3223 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system comprising:
a processing circuit comprising one or more processors coupled to non-transitory memory, wherein the processing circuit is configured to:
store a cookie associated with a user device of a user;
receive a prefetch request based on the cookie associated with the user device of the user for account information in advance of a user request for the account information, the account information relating to an account of the user;
identify the user based on the stored cookie associated with the user device of the user;
verify the identity of the user based on a received credential regarding the user;
perform asynchronous data gathering by receiving data intermittently over one or more network nodes to retrieve the account information based on the prefetch request and the verification of the identity of the user;
receive an indication of critical account information from the user;
receive a request for account information from the user based on an opening of a website or an application to access the account information;
provide the critical account information to an active cache of a user device that proactively updates stored critical account information based on receiving the request, wherein the critical account information is stored in the active cache of the user device for later retrieval;
perform a constriction process that determines how an experience of the user is impacted in response to the system becoming inaccessible;
provide a notification regarding the constriction process; and
update a process for providing the critical account information to the user device based on the constriction process.