US 12,469,029 B1
Systems and methods for providing a delegate notification scheme
Christie A. Sears, Charlotte, NC (US); Bradford A. Shea, Mint Hill, NC (US); Matthew J. Heffron, Bishop, GA (US); Alicia C. Jones-McFadden, Fort Mill, SC (US); and Anthony Scott Best, Huntersville, 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 Sep. 27, 2022, as Appl. No. 17/935,736.
Int. Cl. G06Q 20/38 (2012.01); G06F 9/54 (2006.01); G06Q 20/40 (2012.01)
CPC G06Q 20/389 (2013.01) [G06F 9/542 (2013.01); G06Q 20/4016 (2013.01)] 16 Claims
OG exemplary drawing
 
10. A method, using one or more processors and a memory, comprising:
creating a data store including one or more delegates associated with one or more intervention alert trigger events;
creating a prioritization scheme to transmit one or more notification messages to the one or more delegates by:
selecting, for each of the one or more delegates, a communications channel used to transmit the one or more notification messages, and
assigning, to the communications channel, a channel priority used to transmit the one or more notification messages based on an input of a vulnerable user, wherein the channel priority comprises a sequential transmission, a simultaneous transmission, or a combination thereof, of the one or more notification messages to one or more user devices;
receiving, via banking network, transaction data associated with a transaction;
automatically determining that one or more triggered events have occurred based on the one or more intervention alert trigger events and the transaction data;
in response to automatically determining that the one or more triggered events have occurred, determining one or more particular delegates of the one or more delegates;
automatically transmitting, to the one or more user devices via the banking network using the sequential transmission, the simultaneous transmission, or the combination thereof, the one or more notification messages to the one or more particular delegates based on the one or more triggered alert events and on the prioritization scheme when the one or more trigger events have occurred, wherein a first message of the one or more notification messages is selected for transmission to a first delegate of the one or more particular delegates based on the channel priority;
preventing transmission of a second message for a predetermined amount of time;
automatically transmitting, to the one or more user devices via the banking network using the sequential transmission, the simultaneous transmission, or the combination thereof, the second message of the one or more notification messages to a second delegate of the one or more particular delegates when the predetermined amount of time has expired; and
receiving, via the banking network, one or more delegate response messages from the one or more particular delegates, wherein the one or more delegate response messages indicates an approval or a rejection of the transaction and wherein the banking network automatically processes the transaction to debit or to credit an account identified via the transaction data based on the approval of the transaction and not on the rejection.