US 11,854,013 B1
Determining payment details based on contextual and historical information
Gerardo Costilla, San Francisco, CA (US); and Marria Wairnola Rhodriquez, San Francisco, 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 Nov. 9, 2022, as Appl. No. 18/054,106.
Application 18/054,106 is a continuation of application No. 17/344,431, filed on Jun. 10, 2021, granted, now 11,501,300.
Application 17/344,431 is a continuation of application No. 15/991,462, filed on May 29, 2018, granted, now 11,037,154, issued on Jun. 15, 2021.
Int. Cl. G06Q 20/10 (2012.01); G10L 15/00 (2013.01); G06Q 20/40 (2012.01); G06Q 20/42 (2012.01); G10L 15/26 (2006.01); G06V 30/148 (2022.01); G06V 40/16 (2022.01); G06V 30/10 (2022.01)
CPC G06Q 20/40145 (2013.01) [G06Q 20/10 (2013.01); G06Q 20/407 (2013.01); G06Q 20/42 (2013.01); G06V 30/153 (2022.01); G06V 40/172 (2022.01); G10L 15/26 (2013.01); G06V 30/10 (2022.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
maintaining, by a computing system, historical transaction information associated with each of a plurality of users, wherein the historical transaction information includes a plurality of records of funds transfers, and wherein each record of funds transfer includes historical contextual information of the respective funds transfer and historical data associated with a physical environment of the respective funds transfer;
receiving, by the computing system and from a user device of a user of the plurality of users, data associated with a physical environment of a transaction, wherein the data includes at least one of video data, audio data, or photographic data;
identifying, by the computing system, a user associated with the data, wherein the user is one of the plurality of users;
identifying, by the computing system and based on the data, contextual information of the transaction;
determining, by the computing system and based on the contextual information, a first set of payment details for the transaction;
identifying, by the computing system and based on the historical transaction information, a first set of one or more records of funds transfers of the user that include historical contextual information that is similar to the contextual information;
determining, by the computing system and based on the first set of one or more records of funds transfers, a second set of payment details for the transaction;
identifying, by the computing system and based on the historical transaction information, a second set of one or more records of funds transfers of the user that include historical data that is similar to the received data;
determining, by the computing system and based on the second set of one or more records of funds transfers, a third set of payment details; and
executing, by the computing system and using the first, second, and third sets of payment details, the funds transfer.