# US 2020/0401966 A1 · Response generation for predicted event-driven interactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2020/0401966 A1 - Document ID: US20200401966A1 - Status: Published application - Kind: A1 - Application number: 15/391,686 - Filed: 2016-12-27 - Published: 2020-12-24 - Earliest claimed: 2016-12-27 - Assignees: Wells Fargo Bank, N.A. - Applicants: Wells Fargo Bank, N.A. - Inventors: Zachary Scott Miinch; John C. Brenner; Jeniffer Justice; Gwendoria M. Salley; Chad Allen Yarbrough; James D. Cahill - Web page: https://patentgrep.com/patent/US20200401966A1 ## CPC - G06Q 10/06315: {Needs-based resource requirements planning or analysis} - G06Q 10/067: Enterprise or organisation modelling - 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 ## Abstract Systems and techniques for response generation for predicted even-driven interactions are described herein. A set of event data and a set of interaction data may be obtained. The set of event data and the set of interaction data may be evaluated to determine a correlation between an event that corresponds to the set of event data and an interaction that corresponds to the set of interaction data. A set of profile data may be collected that is associated with the interaction. The set of profile data may be compared to a user profile to determine a predicted interaction. Options to respond to the predicted interaction may be transmitted to an administrator based on the comparison. ## Claims ### Claim 1 A system for targeted trend response, the system comprising: at least one processor; a memory including instructions that, when executed by the at least one processor, cause the at least one processor to perform operations to: obtain a set of event data and a set of interaction data, wherein the set of event data describes an event associated with a first entity, and wherein the set of interaction data describes an interaction between the first entity and a second entity; evaluate the set of event data and the set of interaction data to determine a correlation between the event that corresponds to the set of event data and the interaction that corresponds to the set of interaction data; collect a set of profile data associated with the interaction, wherein the set of profile data describes the second entity; compare the set of profile data to a user profile to determine a predicted interaction, wherein the user profile describes a third entity, and wherein the predicted interaction is determined based on a similarity between members of the set of profile data and attributes included in the user profile, wherein the operations to compare the set of profile data to the user profile to determine the predicted interaction further perform operations to: apply a set of user profile attributes of the user profile to an interaction preference model to determine an interaction preference for the user profile, the interaction preference model configured using a set of user profiles and event data to identify user attributes corresponding to interaction preferences and wherein for each user profile of the set of user profiles includes user profile attributes and interaction preferences; compare the set of user profile attributes to the set of event data to determine an event impact score for the user profile, wherein the event impact score is determined based on a variation of a value of a member of the set of user profile attributes based on an adjustment indicated by a corresponding value for a member of the set of event data; and determine, for the user profile, the predicted interaction for an event, using the interaction preference, event data associated with the event, and the event impact score; transmit a graphical display of options to respond to the predicted interaction to an administrator based on the comparison; receive an interaction indicator related to the event for the user profile, wherein the interaction indicator indicates a user initiated interaction for the event; and update the interaction preference model using the interaction indicator. ### Claim 2 (depends on 1) The system of claim 1, the operations to obtain the set of event data and the set of interaction data further comprising operations to: access one or more data sources that contain information about an event. ### Claim 3 (depends on 1) The system of claim 1, further comprising operations to: determine an increase in interactions compared to a baseline interaction metric; and obtain the set of event data and the set of interaction data in response to the determination. ### Claim 4 (depends on 1) The system of claim 1, further comprising operations to: determine the set of event data includes event data elements above a threshold; and obtain the set of event data and the set of interaction data in response to the determination. ### Claim 5 (canceled) ### Claim 6 (depends on 1) The system of claim 1, the operations to compare the set of profile data to a user profile to determine the predicted interaction further comprising operations to: determine a user event using a set of user profile attributes of the user profile; compare the set of user profile attributes to the set of event data to determine an event impact score for the user profile; and determine the predicted interaction using the user event and the event impact score. ### Claim 7 (depends on 1) The system of claim 1, the operations to transmit options to respond to the predicted interaction to the administrator further comprising operations to: transmit the options to respond to the predicted interaction to an alert system to notify the administrator of the predicted interaction, wherein the alert system includes an interactive element that, upon interaction, displays the options to responding to the predicted interaction. ### Claim 8 (depends on 1) The system of claim 1, the operations to transmit options to respond to the predicted interaction to the administrator further comprising operations to: transmit the predicted interaction and the options to respond to the predicted interaction to a dashboard displayed on a computing device of the administrator. ### Claim 9 (depends on 1) The system of claim 1, the operations to transmit options to respond to the predicted interaction to the administrator further comprising operation to: transmit the predicted interaction to the administrator via a message, wherein the message includes an interactive element that, upon interaction, displays the options for responding to the predicted interaction. ### Claim 10 (depends on 1) The system of claim 1, further comprising operations to: determine a communication channel preference for the user profile using a set of user profile attributes; and generate one or more of the options to respond to the predicted interaction using the communication channel preference. ### Claim 11 At least one non-transitory computer readable storage medium including instructions for targeted trend response that, when executed by a computer, cause the computer to perform operations to: obtain a set of event data and a set of interaction data, wherein the set of event data describes an event associated with a first entity, and wherein the set of interaction data describes an interaction between the first entity and a second entity; evaluate the set of event data and the set of interaction data to determine a correlation between the event that corresponds to the set of event data and the interaction that corresponds to the set of interaction data; collect a set of profile data associated with the interaction, wherein the set of profile data describes the second entity; compare the set of profile data to a user profile to determine a predicted interaction, wherein the user profile describes a third entity, and wherein the predicted interaction is determined based on a similarity between members of the set of profile data and attributes included in the user profile, wherein the operations to compare the set of profile data to the user profile to determine the predicted interaction further comprising operations to: apply a set of user profile attributes of the user profile to an interaction preference model to determine an interaction preference for the user profile, the interaction preference model configured using a set of user profiles and event data to identify user attributes corresponding to interaction preferences and wherein for each user profile of the set of user profiles includes user profile attributes and interaction preferences; compare the set of user profile attributes to the set of event data to determine an event impact score for the user profile, wherein the event impact score is determined based on a variation of a value of a member of the set of user profile attributes based on an adjustment indicated by a corresponding value for a member of the set of event data; and determine, for the user profile, the predicted interaction for an event, using the interaction preference, event data associated with the event, and the event impact score; transmit a graphical display of options to respond to the predicted interaction to an administrator based on the comparison; receive an interaction indicator related to the event for the user profile, wherein the interaction indicator indicates a user initiated interaction for the event; and update the interaction preference model using the interaction indicator. ### Claim 12 (depends on 11) The at least one non-transitory computer readable storage medium of claim 11, the operations to obtain the set of event data and the set of interaction data further comprising operations to: access one or more data sources that contain information about an event. ### Claim 13 (depends on 11) The at least one non-transitory computer readable storage medium of claim 11, further comprising operations to: determine an increase in interactions compared to a baseline interaction metric; and obtain the set of event data and the set of interaction data in response to the determination. ### Claim 14 (depends on 11) The at least one non-transitory computer readable storage medium of claim 11, further comprising operations to: determine the set of event data includes event data elements above a threshold; and obtain the set of event data and the set of interaction data in response to the determination. ### Claim 15 (canceled) ### Claim 16 (depends on 11) The at least one non-transitory computer readable storage medium of claim 11, the operations to compare the set of profile data to a user profile to determine the predicted interaction further comprising operations to: determine a user event using a set of user profile attributes of the user profile; compare the set of user profile attributes to the set of event data to determine an event impact score for the user profile; and determine the predicted interaction using the user event and the event impact score. ### Claim 17 (depends on 11) The at least one non-transitory computer readable storage medium of claim 11, the operations to transmit options to respond to the predicted interaction to the administrator further comprising operations to: transmit the options to respond to the predicted interaction to an alert at least one computer readable medium to notify the administrator of the predicted interaction, wherein the alert at least one computer readable medium includes an interactive element that, upon interaction, displays the options to responding to the predicted interaction. ### Claim 18 (depends on 11) The at least one non-transitory computer readable storage medium of claim 11, the operations to transmit options to respond to the predicted interaction to the administrator further comprising operations to: transmit the predicted interaction and the options to respond to the predicted interaction to a dashboard displayed on a computing device of the administrator. ### Claim 19 (depends on 11) The at least one non-transitory computer readable storage medium of claim 11, the operations to transmit options to respond to the predicted interaction to the administrator further comprising operation to: transmit the predicted interaction to the administrator via a message, wherein the message includes an interactive element that, upon interaction, displays the options for responding to the predicted interaction. ### Claim 20 (depends on 11) The at least one non-transitory computer readable storage medium of claim 11, further comprising operations to: determine a communication channel preference for the user profile using a set of user profile attributes; and generate one or more of the options to respond to the predicted interaction using the communication channel preference. ### Claim 21 A method for targeted trend response, the method comprising: obtaining a set of event data and a set of interaction data, wherein the set of event data describes an event associated with a first entity, and wherein the set of interaction data describes an interaction between the first entity and a second entity; evaluating the set of event data and the set of interaction data to determine a correlation between the event corresponding to the set of event data and the interaction corresponding to the set of interaction data; collecting a set of profile data associated with the interaction, wherein the set of profile data describes the second entity; comparing the set of profile data to a user profile to determine a predicted interaction, wherein the user profile describes a third entity, and wherein the predicted interaction is determined based on a similarity between members of the set of profile data and attributes included in the user profile, wherein comparing the set of profile data to user profile to determine the predicted interaction further comprising: applying a set of user profile attributes of the user profile to an interaction preference model to determine an interaction preference for the user profile the interaction preference model configured using a set of user profiles and event data to identify user attributes corresponding to interaction preferences and wherein for each user profile of the set of user profiles includes user profile attributes and interaction preferences; comparing the set of user profile attributes to the set of event data to determine an event impact score for the user profile, wherein the event impact score is determined based on a variation of a value of a member of the set of user profile attributes based on an adjustment indicated by a corresponding value for a member of the set of event data; and determining, for the user profile, the predicted interaction for an event, using the interaction preference, event data associated with the event, and the event impact score; transmitting a graphical display of options for responding to the predicted interaction to an administrator based on the comparing; receiving an interaction indicator related to the event for the user profile, wherein the interaction indicator indicates a user initiated interaction for the event; and updating the interaction preference model using the interaction indicator. ### Claim 22 (depends on 21) The method of claim 21, wherein obtaining the set of event data comprises accessing one or more data sources containing information about an event. ### Claim 23 (depends on 21) The method of claim 21, wherein obtaining the set of event data and the set of interaction data is in response to determining an increase in interactions compared to a baseline interaction metric. ### Claim 24 (depends on 21) The method of claim 21, wherein obtaining the set of event data and the set of interaction data is in response to determining the set of event data includes event data elements above a threshold. ### Claim 25 (canceled) ### Claim 26 (depends on 21) The method of claim 21, wherein comparing the set of profile data to a user profile to determine the predicted interaction further comprises: determining a user event using a set of user profile attributes of the user profile; comparing the set of user profile attributes to the set of event data to determine an event impact score for the user profile; and determining the predicted interaction using the user event and the event impact score. ### Claim 27 (depends on 21) The method of claim 21, wherein transmitting options for responding to the predicted interaction to the administrator comprises transmitting the options for responding the predicted interaction to an alert system to notify the administrator of the predicted interaction, wherein the alert system includes an interactive element that, upon interaction, displays the options for responding to the predicted interaction. ### Claim 28 (depends on 21) The method of claim 21, wherein transmitting options for responding to the predicted interaction to the administrator comprises transmitting the predicted interaction and the options for responding to the predicted interaction to a dashboard displayed on a computing device of the administrator. ### Claim 29 (depends on 21) The method of claim 21, wherein transmitting options for responding to the predicted interaction to the administrator comprises transmitting the predicted interaction to the administrator via a message, wherein the message includes an interactive element that, upon interaction, displays the options for responding to the predicted interaction. ### Claim 30 (depends on 21) The method of claim 21, further comprising: determining a communication channel preference for the user profile using a set of user profile attributes; and generating one or more of the options for responding to the predicted interaction using the communication channel preference.