US 12,175,471 B2
Behavioral analysis for smart agents
Glenn W. Pike, Tempe, AZ (US); Christian L. Hunt, Gilbert, AZ (US); Scott R. Kinney, Phoenix, AZ (US); Steven M. Trudeau, Advance, NC (US); Stephen W. Krause, Fountain Hills, AZ (US); and Jason Avery, Chandler, AZ (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 Oct. 4, 2023, as Appl. No. 18/480,835.
Application 18/480,835 is a continuation of application No. 17/090,683, filed on Nov. 5, 2020, granted, now 11,803,856.
Application 17/090,683 is a continuation of application No. 15/724,765, filed on Oct. 4, 2017, granted, now 10,832,251, issued on Nov. 10, 2020.
Prior Publication US 2024/0029075 A1, Jan. 25, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/00 (2023.01); G06Q 20/40 (2012.01)
CPC G06Q 20/405 (2013.01) 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving, by one or more computing devices, contextual data associated with volitional transactions performed by a user of a financial system, collected by one or more sensor devices;
generating, by the one or more computing devices, a predictive model trained with the contextual data;
generating, by the one or more computing devices, one or more scenarios correlated with and predictive of a volitional transaction of the user via the predictive model;
predicting, by the one or more computing devices and with the predictive model, a likelihood that a requested transaction of the user is volitional based on data collected by the one or more sensor devices;
invoking, by the one or more computing devices, an additional authentication protocol when the likelihood fails to meet a predetermined threshold, wherein successful authentication by way of the additional authentication protocol is a condition precedent to permissible execution of the requested transaction;
determining, by the one or more computing devices, capacity of the user based on current contextual data when the likelihood meets the predetermined threshold; and
controlling, by the one or more computing devices, execution of the requested transaction based on the capacity, wherein the execution is at least limited when the user is deemed incapacitated and otherwise permitted, wherein controlling the execution of the requested transaction comprises:
presenting, by the one or more computing devices on a user interface, an execution of a financial transaction; and
placing for a period of time, by the one or more computing devices, a provisional hold on completion of the financial transaction.