US 12,243,535 B2
Systems and methods for pervasive advisor for major expenditures
Balin Kina Brandt, Brooklyn, NY (US); Laura Fisher, San Francisco, CA (US); Marie Jeanette Floyd, San Francisco, CA (US); Katherine J. McGee, San Francisco, CA (US); Teresa Lynn Rench, Mount Holly, NC (US); and Sruthi Vangala, 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 Jul. 28, 2023, as Appl. No. 18/227,790.
Application 18/227,790 is a continuation of application No. 17/193,858, filed on Mar. 5, 2021, granted, now 11,715,474.
Application 17/193,858 is a continuation of application No. 16/195,613, filed on Nov. 19, 2018, granted, now 10,943,308.
Claims priority of provisional application 62/666,591, filed on May 3, 2018.
Claims priority of provisional application 62/666,587, filed on May 3, 2018.
Prior Publication US 2023/0368795 A1, Nov. 16, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/12 (2023.01); G06Q 40/03 (2023.01); G10L 15/22 (2006.01); G10L 15/26 (2006.01); G10L 17/00 (2013.01); G10L 17/06 (2013.01); H04M 3/51 (2006.01)
CPC G10L 15/26 (2013.01) [G06Q 40/03 (2023.01); G06Q 40/12 (2013.12); G10L 15/22 (2013.01); G10L 17/00 (2013.01); G10L 17/06 (2013.01); H04M 3/5175 (2013.01); H04M 3/5191 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A service provider computing system comprising:
a network interface configured to communicatively couple the service provider computing system with a mobile device having a sound sensor, a location sensor, and one or more user interfaces, the mobile device being configured to use the sound sensor to detect ambient sounds, use the location sensor to detect physical locations of the mobile device, and use the one or more user interfaces to perceptibly present information to the user;
wherein at least one of the mobile device or the service provider computing system is configured to:
detect, using the sound sensor of the mobile device, a set of ambient sounds comprising one or more conversations between the user and one or more other persons;
analyze the set of ambient sounds to identify one or more phrases spoken by the user during the one or more conversations;
detect, using the location sensor of the mobile device, a physical location of the mobile device;
determine, based on the one or more phrases spoken by the user, an expense strategy for an expenditure determined based at least in part on the physical location of the mobile device; and
audibly or visually present the expense strategy to the user via the one or more user interfaces of the mobile device when the physical location is a predetermined physical location, and continue to present the expense strategy only while the user remains within a predetermined radius of the physical location.