# US 10,373,248 B1 · Context aware predictive activity evaluation

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- Number: US 10,373,248 B1
- Document ID: US10373248B1
- Status: Granted
- Kind: B1
- Application number: 15/382,142
- Filed: 2016-12-16
- Granted: 2019-08-06
- Earliest claimed: 2016-12-16
- Assignees: Wells Fargo Bank, N.A.
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Mary P. Casey; Kelly Francis Loven; Christopher J. Blunt; Lee Ryan Haseman; Richard Mulvey
- Web page: https://patentgrep.com/patent/US10373248B1

## CPC

- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06F 30/20: Design optimisation, verification or simulation (optimisation, verification or simulation of circuit designs G06F30/30)
- G06N 7/01: Probabilistic graphical models, e.g. probabilistic networks
- G06N 20/00: Machine learning
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q 30/0625: {by formulating product or service queries, e.g. using keywords or predefined options}
- G06Q 40/128: {Check-book balancing, updating or printing arrangements}
- H04W 4/021: Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

Systems and techniques for context aware predictive activity evaluation are described herein. A set of transaction variables may be identified for a predicted transaction. A set of inputs may be obtained corresponding to each transaction variable of the set of transaction variables. A value may be determined for each transaction variable using the set of inputs corresponding to each transaction variable of the set of transaction variables. The value for each transaction variable may be compared to a set of transaction models to select a transaction model for the predicted transaction. A probability may be calculated that the predicted transaction will be approved using the transaction model for the predicted transaction. The probability that the predicted transaction will be approved may be displayed on a display device.

## Claims

### Claim 1

A system for providing computer transaction pre-approval guidance, the system comprising:
at least one processor; and
a memory including instructions that, when executed by the at least one processor, cause the at least one processor to perform operations to:
obtain an image from a camera of a mobile device;
identify a set of product details using the image;
determine a predicted transaction using the set of product details;
identify a set of transaction variables for the predicted transaction;
obtain a set of inputs corresponding to each transaction variable of the set of transaction variables;
determine a value for each transaction variable using the set of inputs corresponding to each transaction variable of the set of transaction variables;
compare the value for each transaction variable to a set of transaction models to select a transaction model for the predicted transaction;
calculate, using the transaction model for the predicted transaction, a probability that the predicted transaction will be approved; and
display the probability that the predicted transaction will be approved on a display device.

### Claim 2 (depends on 1)

The system of claim 1, further comprising operations to:
obtain a set of geolocation data from a mobile device;
identify a set of retailer information using the set of geolocation data; and
wherein determination of the predicted transaction includes using the set of retailer information.

### Claim 3 (depends on 2)

The system of claim 2, further comprising operations to:
obtain a transaction history for a user; and
compare the transaction history to the set of retailer information, wherein determining the predicted transaction is based at least in part on the comparing.

### Claim 4 (depends on 1)

The system of claim 1, wherein each transaction model of the set of transaction models comprises a set of transaction approval algorithms.

### Claim 5 (depends on 1)

The system of claim 1, further comprising operations to:
identify an action that will increase the probability that the predicted transaction will be approved;
generate an interactive display element that, upon interaction, initiates the action; and
display the interactive display element simultaneous with the probability that the predicted transaction will be approved on the display device.

### Claim 6 (depends on 5)

The system of claim 5, wherein the interactive display element initiates a balance transfer between a first account and a second account.

### Claim 7 (depends on 5)

The system of claim 5, wherein the interactive display element initiates a product search against a list of products corresponding to an approved vendor.

### Claim 8 (depends on 1)

The system of claim 1, wherein the set of inputs is obtained from a web browser tool bar and wherein displaying the probability that the predicted transaction will be approved on the display device uses the web browser tool bar.

### Claim 9 (depends on 1)

The system of claim 1, wherein the set of inputs is obtained from a banking application and wherein displaying the probability that the predicted transaction will be approved on the display device uses the banking application.

### Claim 10 (depends on 1)

The system of claim 1, further comprising operations to:
generate, based on the probability that the predicted transaction will be approved, a personal identification number corresponding to the predicted transaction; and
transmit the personal identification number corresponding to the predicted transaction to a banking application associated with an account of a user included in a transaction model of the set of transaction models.

### Claim 11 (depends on 10)

The system of claim 10, wherein the personal identification number is capable of being entered at a point of sale terminal to complete a transaction.

### Claim 12

At least one non-transitory computer readable medium including instructions for providing computer transaction pre-approval guidance that, when executed by a machine, cause the machine to perform operations to:
obtain an image from a camera of a mobile device;
identify a set of product details using the image;
determine a predicted transaction using the set of product details;
identify a set of transaction variables for the predicted transaction;
obtain a set of inputs corresponding to each transaction variable of the set of transaction variables;
determine a value for each transaction variable using the set of inputs corresponding to each transaction variable of the set of transaction variables;
compare the value for each transaction variable to a set of transaction models to select a transaction model for the predicted transaction;
calculate, using the transaction model for the predicted transaction, a probability that the predicted transaction will be approved; and
display the probability that the predicted transaction will be approved on a display device.

### Claim 13 (depends on 12)

The at least one computer readable medium of claim 12, further comprising operations to:
obtain a set of geolocation data from a mobile device;
identify a set of retailer information using the set of geolocation data; and
wherein determination of the predicted transaction includes using the set of retailer information.

### Claim 14 (depends on 13)

The at least one computer readable medium of claim 13, further comprising operations to:
obtain a transaction history for a user; and
compare the transaction history to the set of retailer information, wherein determining the predicted transaction is based at least in part on the comparing.

### Claim 15 (depends on 12)

The at least one computer readable medium of claim 12, wherein each transaction model of the set of transaction models comprises a set of transaction approval algorithms.

### Claim 16 (depends on 12)

The at least one computer readable medium of claim 12, further comprising operations to:
identify an action that will increase the probability that the predicted transaction will be approved;
generate an interactive display element that, upon interaction, initiates the action; and
display the interactive display element simultaneous with the probability that the predicted transaction will be approved on the display device.

### Claim 17 (depends on 16)

The at least one computer readable medium of claim 16, wherein the interactive display element initiates a balance transfer between a first account and a second account.

### Claim 18 (depends on 16)

The at least one computer readable medium of claim 16, wherein the interactive display element initiates a product search against a list of products corresponding to an approved vendor.

### Claim 19 (depends on 12)

The at least one computer readable medium of claim 12, wherein the set of inputs is obtained from a web browser tool bar and wherein displaying the probability that the predicted transaction will be approved on the display device uses the web browser tool bar.

### Claim 20 (depends on 12)

The at least one computer readable medium of claim 12, wherein the set of inputs is obtained from a banking application and wherein displaying the probability that the predicted transaction will be approved on the display device uses the banking application.

### Claim 21 (depends on 12)

The at least one computer readable medium of claim 12, further comprising operations to:
generate, based on the probability that the predicted transaction will be approved, a personal identification number corresponding to the predicted transaction; and
transmit the personal identification number corresponding to the predicted transaction to a banking application associated with an account of a user included in a transaction model of the set of transaction models.

### Claim 22 (depends on 21)

The at least one machine readable medium of claim 21, wherein the personal identification number is capable of being entered at a point of sale terminal to complete a transaction.

### Claim 23

A method for providing computer transaction pre-approval guidance, the method comprising:
obtaining an image from a camera of a mobile device;
identifying a set of product details using the image;
determining a predicted transaction using the set of product details;
identifying a set of transaction variables for the predicted transaction;
obtaining a set of inputs corresponding to each transaction variable of the set of transaction variables;
determining a value for each transaction variable using the set of inputs corresponding to each transaction variable of the set of transaction variables;
comparing the value for each transaction variable to a set of transaction models to select a transaction model for the predicted transaction;
calculating, using the transaction model for the predicted transaction, a probability that the predicted transaction will be approved; and
displaying the probability that the predicted transaction will be approved on a display device.

### Claim 24 (depends on 23)

The method of claim 23, further comprising:
obtaining a set of geolocation data from a mobile device;
identifying a set of retailer information using the set of geolocation data; and
wherein determining the predicted transaction includes using the set of retailer information.

### Claim 25 (depends on 24)

The method of claim 24, further comprising:
obtaining a transaction history for a user; and
comparing the transaction history to the set of retailer information, wherein determining the predicted transaction is based at least in part on the comparing.

### Claim 26 (depends on 23)

The method of claim 23, wherein each transaction model of the set of transaction models comprises a set of transaction approval algorithms.

### Claim 27 (depends on 23)

The method of claim 23, further comprising:
identifying an action that will increase the probability that the predicted transaction will be approved;
generating an interactive display element that, upon interaction, initiates the action; and
displaying the interactive display element simultaneous with the probability that the predicted transaction will be approved on the display device.

### Claim 28 (depends on 27)

The method of claim 27, wherein the interactive display element initiates a balance transfer between a first account and a second account.

### Claim 29 (depends on 27)

The method of claim 27, wherein the interactive display element initiates a product search against a list of products corresponding to an approved vendor.

### Claim 30 (depends on 23)

The method of claim 23, wherein the set of inputs is obtained from a web browser tool bar and wherein displaying the probability that the predicted transaction will be approved on the display device uses the web browser tool bar.

### Claim 31 (depends on 23)

The method of claim 23, wherein the set of inputs is obtained from a banking application and wherein displaying the probability that the predicted transaction will be approved on the display device uses the banking application.

### Claim 32 (depends on 23)

The method of claim 23, further comprising:
generating, based on the probability that the predicted transaction will be approved, a personal identification number corresponding to the predicted transaction; and
transmitting the personal identification number corresponding to the predicted transaction to a banking application associated with an account of a user included in a transaction model of the set of transaction models.

### Claim 33 (depends on 32)

The method of claim 32, wherein the personal identification number is capable of being entered at a point of sale terminal to complete a transaction.