US 11,989,778 B1
Systems and methods for private loan creation
Sotirios K. Barkas, San Jose, CA (US); Yon W. Lee, San Francisco, CA (US); Darius A. Miranda, San Francisco, CA (US); Marria Rhodriquez, San Francisco, CA (US); Darrell L Suen, San Ramon, CA (US); and John T. Wright, Benicia, 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 Aug. 15, 2022, as Appl. No. 17/888,259.
Application 17/888,259 is a continuation of application No. 17/157,525, filed on Jan. 25, 2021, granted, now 11,416,927.
Application 17/157,525 is a continuation of application No. 15/949,283, filed on Apr. 10, 2018, granted, now 10,902,514.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 40/03 (2023.01)
CPC G06Q 40/03 (2023.01) 15 Claims
OG exemplary drawing
 
1. A method comprising:
generating, by a remote provider computing system, an alias that obscures identity information of a user;
receiving, via a digital funding group client application associated with a user computing device and communicatively coupled to the remote provider computing system via a network, information relating to a prospective transaction;
monitoring, by the digital funding group client application, a system idle timer of the user computing device and resetting, by the digital funding group client application, the system idle timer at predetermined time intervals, thereby maintaining, by the digital funding group client application, the user computing device in active mode; and
while maintaining, by the digital funding group client application, the user computing device in active mode,
performing, by the digital funding group client application via the network, an electronic search for a sponsorship opportunity related to the prospective transaction;
receiving, by the digital funding group client application via the network, a search result dataset;
generating, by the digital funding group client application, a displayable result set based on the search result dataset, the displayable result set comprising at least one prospective sponsor;
rendering, by the digital funding group client application, the displayable result set on a display of the user computing device, wherein the at least one prospective sponsor is determined using artificial intelligence and is selectable by the user; and
allowing, by the digital funding group client application, real-time user interaction with the user computing device.