US 12,346,950 B1
Systems and methods for determining customer state
Ashish B. Kurani, Hillsborough, CA (US); James C. Noe, Charlotte, NC (US); Imran Haider, San Ramon, CA (US); Frank Fehrenbach, New York, NY (US); Guruprasadh Ragothaman, San Francisco, CA (US); Matthew C. Strader, San Francisco, CA (US); Palani Munuswamy, San Francisco, CA (US); Chandra Subramanian, San Francisco, CA (US); George Atala, San Francisco, CA (US); Mattie L. Morris, Chandler, AZ (US); Braden More, San Francisco, CA (US); Lofton Worth, San Francisco, CA (US); and Nathan B. Coles, 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 Aug. 31, 2022, as Appl. No. 17/900,567.
Application 17/900,567 is a continuation in part of application No. 17/720,117, filed on Apr. 13, 2022, granted, now 12,079,795.
Claims priority of provisional application 63/174,935, filed on Apr. 14, 2021.
Claims priority of provisional application 63/189,513, filed on May 17, 2021.
Claims priority of provisional application 63/208,908, filed on Jun. 9, 2021.
Claims priority of provisional application 63/287,426, filed on Dec. 8, 2021.
Int. Cl. G06Q 30/06 (2023.01); G06Q 30/0601 (2023.01); G06Q 40/00 (2023.01)
CPC G06Q 30/0631 (2013.01) [G06Q 40/00 (2013.01)] 20 Claims
OG exemplary drawing
 
11. A method comprising:
establishing, by one or more processors of a first server, a connection between the first server and a second server hosting an enterprise application, the connection established responsive to receipt of an application programming interface (API) call by an API gateway circuit of the first server for a first API relating to establishment of the connection, the API gateway circuit managing a plurality of APIs including the first API;
receiving, by one or more processors via the API gateway circuit, one or more second API signals for a second API, the one or more second API signals including an enterprise resource dataset from the second server, including a plurality of financial inputs captured on or before a first date associated with a customer from the enterprise application associated with the customer;
providing, by the one or more processors, the plurality of financial inputs to a machine learning model corresponding to the first server, the machine learning model trained to predict a customer state using a plurality of training financial inputs and a plurality of training financial outputs, each of the plurality of training financial inputs corresponding to financial data captured on or before a second date and each of the plurality of training financial outputs corresponding with financial data captured on or after a third date subsequent to the second date, wherein the second date and the third date are separated by a first predetermined amount of time;
determining, by the one or more processors, responsive to providing the plurality of financial inputs to the machine learning model, a future customer state of the customer, including a predicted financial output, at a fourth date, wherein the first date and the fourth date are separated by a second predetermined amount of time; and
generating, by the one or more processors, one or more financial recommendations based at least partially on the determined future customer state of the customer.