US 12,147,998 B1
Consumer relationship optimizer
Benjamin Taylor, Williston, VT (US); Carrie Anne Hanson, Charlotte, NC (US); Dennis Emmanuel Montenegro, Concord, CA (US); Jason Biala, Martinez, CA (US); Jason Huang, San Francisco, CA (US); Sadie Salim, Albany, CA (US); and Jasim Ahamed Pattani Sirajudeen, 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 May 9, 2022, as Appl. No. 17/662,618.
Int. Cl. G06Q 30/0207 (2023.01)
CPC G06Q 30/0222 (2013.01) 20 Claims
OG exemplary drawing
 
1. A method comprising:
detecting, by a user interface module of a user device, an indication of a first dragging motion across a display screen to a display element representing a first application associated with a first commercial entity executing on the user device and a second dragging motion across the display screen to a display element representing a second application associated with a second commercial entity executing on the user device;
configuring the user device, by an advisor application executing on the user device and based on the detection of the indication of the first and second dragging motions by the user interface module, to enable the advisor application to collect information about interactions that the first application has with the first commercial entity and that the second application has with the second commercial entity;
collecting, by the advisor application executing on the user device and after configuring the user device, information about interactions that the first application has with the first commercial entity and the second application has with the second commercial entity, wherein the first commercial entity and the second commercial entity are competing commercial entities;
outputting, by the user device and over a network, the information about the interactions;
receiving, by a computing system, the information about the interactions;
determining, by the computing system, information about incentive policies for each of the first commercial entity and the second commercial entity;
automatically generating, by the user device, a request for a recommendation about a specified type of transaction;
receiving over the network, by the computing system and from the user device, the request;
generating, by the computing system, a recommendation responsive to the request, wherein the recommendation is generated based on the information about the interactions and an analysis of the incentive policies for each of the first commercial entity and the second commercial entity; and
outputting over the network, by the computing system and to the user device, information to cause automatic presentation of the recommendation at the user device.