US 11,972,457 B1
Systems and methods for facilitating optimal customer engagement via quantitative receptiveness analysis and presentation
Wayne Barakat, Novato, CA (US); Michael Fitzpatrick, Danville, CA (US); Mark A. Frank, San Francisco, CA (US); Yvette M. Hatton, El Cerrito, CA (US); Pey-Ning Huang, San Francisco, CA (US); Michael Lyon, Everett, WA (US); Kimberly D. Peck, San Francisco, CA (US); and Melissa Schroder Viscomi, Exton, PA (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 May 24, 2021, as Appl. No. 17/327,904.
Application 17/327,904 is a continuation of application No. 15/656,868, filed on Jul. 21, 2017, granted, now 11,030,649.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 30/0201 (2023.01); G06Q 30/0251 (2023.01); G06Q 40/02 (2023.01)
CPC G06Q 30/0254 (2013.01) [G06Q 30/0201 (2013.01); G06Q 40/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A financial institution computing system comprising:
an account database comprising a plurality of transaction parameters with respect to a financial account of a customer;
a receptiveness metrics circuit structured to:
extract the plurality of transaction parameters from the account database, the transaction parameters including at least one financial transaction record, and indicative of a mode of the customer; and
determine one or more receptiveness metrics attributed to the customer based on the mode of the customer, the one or more receptiveness metrics indicating likelihoods of the customer converting an interaction from the financial institution, wherein the interaction includes an avatar that is an aged version of the customer; and
an interaction generation circuit structured to:
transmit the interaction to the customer at an optimal time based on the one or more receptiveness metrics.