	US 11,915,309 B1
	Computer-based systems for calculating risk of asset transfers
Teresa Ridge, Alamo, CA (US); Timothy Feifs, Greensboro, NC (US); Dustin Scott Mountcastle, Charlotte, NC (US); Magdalena J. Vega, Aurora, CO (US); David G. Coffaro, Fullerton, CA (US); and Leonard Mauney, 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 Sep. 21, 2020, as Appl. No. 17/027,171.
Application 17/027,171 is a continuation of application No. 16/006,004, filed on Jun. 12, 2018, granted, now 11,468,505.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/02 (2023.01); G06Q 10/0635 (2023.01); G06Q 10/0631 (2023.01)

CPC G06Q 40/02 (2013.01) [G06Q 10/0635 (2013.01); G06Q 10/06316 (2013.01)]

16 Claims

1. A method comprising:

receiving, by one or more processors of a computing device and for each of a plurality of clients, client data, wherein each of the plurality of clients owns at least one asset held by an institution, wherein the client data includes values of transfer factors, and wherein the transfer factors are related to transfer of at least a portion of the asset from the institution;

dynamically updating, by the one or more processors and for each of the plurality of clients, the client data by:

receiving, by the one or more processors, a first set of the client data, wherein the first set of the client data includes values of a first set of transfer factors related to at least one of transfer of at least a portion of the asset and transfer of management of the portion of the asset from the institution;

periodically querying, by the one or more processors, one or more databases for an asset value of the at least one asset and one or more public databases for a second set of the client data, wherein the second set of the client data includes a second set of transfer factors related to transfer of management of the portion of the asset from the institution, wherein the second set of transfer factors includes biographical information of the client;

receiving, by the one or more processors and from the one or more databases, a second set of transfer factors; and

parameterizing, by the one or more processors, the second set of transfer factors to determine respective values of the second set of transfer factors by:

scanning the biographical information;

identifying, using feature recognition, the second set of transfer factors from the scanned information; and

assigning values to the identified second set of transfer factors;

determining, by the one or more processors and for each of the plurality of clients, a likelihood of transfer of the at least one asset from the institution based on the client data, wherein determining the likelihood of transfer of the at least one asset from the institution comprises determining an urgency score based on the values of the transfer factors and a weighting for each of the transfer factors, wherein the weighting of each of the transfer factors represents a relative influence of the respective transfer factor on the likelihood of the transfer of the at least one asset from the institution, wherein the weighting of each of the transfer factors comprises a first weighting associated with a first set of characteristics and a second weighting associated with a second set of characteristics, and wherein determining the urgency score further comprises:

determining, by the one or more processors and for each of a first portion of the plurality of clients having the first set of characteristics, the urgency score based on the values of the transfer factors and the first weighting; and

determining, by the one or more processors and for each of a second portion of the plurality of clients having the second set of characteristics, the urgency score based on the values of the transfer factors and the second weighting;

determining, by the one or more processors and for each of the plurality of clients, a priority score based on the urgency score and an asset value of the at least one asset, wherein the priority score represents the risk of transfer of the at least one asset from the institution;

determining, by the one or more processors and for each of the plurality of clients, the advisory action based on the priority score, wherein determining the advisory action further comprises:

determining, by the one or more processors, a potential advising opportunity of each of the plurality of clients based on the values of the transfer factors;

determining, by the one or more processors, that at least one value of the transfer factors exceeds an opportunity threshold associated with a type of potential advising opportunity; and

selecting, by the one or more processors and in response to determining that the at least one value of the transfer factors exceeds the opportunity threshold, the type of potential advising opportunity; and

outputting, by the one or more processors and for each of the plurality of clients, an indication of the advisory action, wherein the indication of the advisory action includes the type of potential advising opportunity.