	US 11,989,784 B1
	Monitored alerts
Duke Lee Gunn, Jr., Saint Louis, MO (US); Daniel Gracey, Lake Saint Louis, MO (US); Jefferson Crew, Plano, TX (US); Lisa Rome, Ballwin, MO (US); and Paresh Mutha, Waxhaw, NC (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 Jan. 12, 2023, as Appl. No. 18/153,775.
Application 18/153,775 is a continuation of application No. 16/947,828, filed on Aug. 19, 2020, granted, now 11,562,433.
Application 16/947,828 is a continuation of application No. 15/146,406, filed on May 4, 2016, granted, now 10,783,583.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/06 (2012.01); G08B 21/18 (2006.01)

CPC G06Q 40/06 (2013.01) [G08B 21/182 (2013.01)]

20 Claims

1. A method of selecting customized and topical alerts for delivery to a device of a user, the method comprising:

using one or more processors:

determining a set of financial alert parameters of a target user, the set of financial alert parameters comprising a frequency parameter and a set of topics;

determining, using a machine-learned topic model, that a plurality of content items shared by the target user, including a first content item posted by the target user to a social networking service, relates to a particular financial topic not in the set of topics;

determining that a number of content items in the plurality of content items exceeds a threshold number of content items;

responsive to determining that the number of the plurality of content items exceeds the threshold number of content items, adding the particular financial topic to the set of topics;

calculating an investment expertise score of the target user quantifying a level of experience the target user has in investing, the investment expertise score calculated based upon a weighted sum of: an age of an account of the target user, a trading volume of the target user, a number of interactions with past alerts, and an expertise given by the target user;

determining an adjustment to the frequency parameter based upon the number of content items in the plurality of content items, the investment expertise score of the target user, and market indicator data describing volatility of a market, a frequency increasing as the investment expertise score indicates that the target user is less experienced and decreasing as the investment expertise score indicates that the target user is more experienced;

determining that a second item of content not in the plurality of content items matches a topic in the set of topics of the set of financial alert parameters;

determining whether sending the second item of content to the target user would result in a frequency of sending content to the target user that is below the frequency parameter; and

responsive to determining that the second item of content matches a topic in the set of topics of the set of financial alert parameters and determining that sending the second item of content would result in the frequency of sending content that is below the frequency parameter, sending the second item of content as an alert to the target user, wherein sending the second item of content comprises sending the alert to the target user over a packet-based network.