US 12,073,443 B1
Proactive listening bot-plus person advice chaining
Balin K. Brandt, Brooklyn, NY (US); Laura Fisher, Rock Hill, SC (US); Marie Jeanette Floyd, Toronto (CA); 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 Dec. 5, 2022, as Appl. No. 18/074,848.
Application 18/074,848 is a continuation of application No. 17/195,092, filed on Mar. 8, 2021, granted, now 11,521,245.
Application 17/195,092 is a continuation of application No. 16/381,207, filed on Apr. 11, 2019, granted, now 10,951,762.
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.
Claims priority of provisional application 62/656,753, filed on Apr. 12, 2018.
Claims priority of provisional application 62/656,750, filed on Apr. 12, 2018.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/0279 (2023.01); G06Q 20/02 (2012.01); G06Q 20/10 (2012.01); G06Q 20/16 (2012.01); G06Q 20/22 (2012.01); G06Q 20/32 (2012.01); G06Q 20/36 (2012.01); G06Q 20/40 (2012.01); G06Q 50/00 (2024.01); G10L 15/18 (2013.01); G10L 15/22 (2006.01); G10L 17/00 (2013.01); H04L 9/40 (2022.01); H04M 3/51 (2006.01)
CPC G06Q 30/0279 (2013.01) [G06Q 20/02 (2013.01); G06Q 20/108 (2013.01); G06Q 20/16 (2013.01); G06Q 20/227 (2013.01); G06Q 20/3224 (2013.01); G06Q 20/3676 (2013.01); G06Q 20/4014 (2013.01); G06Q 50/01 (2013.01); G10L 15/1807 (2013.01); G10L 15/22 (2013.01); G10L 17/00 (2013.01); H04L 63/102 (2013.01); H04L 63/104 (2013.01); H04M 3/5183 (2013.01); G10L 2015/228 (2013.01); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
detecting a first sound sample using a sound sensor of a first device, the sound sensor being configured to capture ambient sounds;
analyzing the first sound sample to detect a first voice input based at least in part on a biometric voice signature of a user;
detecting an advising trigger based at least in part on the first voice input;
initiating one or more advising sessions based on the advising trigger, wherein initiating the one or more advising sessions comprises at least one of:
(1) initiating a robo-advising session and receiving one or more inputs via the first device; or
(2) initiating a human advising session by initiating a live communication session between the first device and a second device of a human advisor and receiving the one or more inputs via the first device.