# US 2021/0082005 A1 · Systems and methods for predictive and opportunistic charitable giving

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- Number: US 2021/0082005 A1
- Document ID: US20210082005A1
- Status: Published application
- Kind: A1
- Application number: 15/252,956
- Filed: 2016-08-31
- Published: 2021-03-18
- Earliest claimed: 2016-08-31
- Applicants: Wells Fargo Bank, N.A.
- Inventors: Daniel David; Jonathan A. Hartsell; Heath Kamp; Sarah W. Phelps; Philip Sprague; Christina Zikeli
- Web page: https://patentgrep.com/patent/US20210082005A1

## CPC

- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/102: {Bill distribution or payments}
- G06Q 30/0279: Fundraising management
- G06Q 10/42: Determination of affinities or common interests between users
- 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, methods, and apparatuses using a server system including a processor and memory having instructions stored in non-transitory machine-readable media. The server system is structured to couple to an account of a donor, receive financial history from the account, analyze a financial health of the donor based, at least in part, on the financial history, identify a topic of interest of the donor based, at least in part, on the financial history, recommend at least one of a plurality of charities to the donor based at least in part on the topic of interest of the donor, and recommend a donation amount to one of the plurality of charities based at least in part on the financial health of the donor.

## Claims

### Claim 1

A system comprising:
a server system including a processor and a memory having instructions stored in non-transitory machine-readable media, the instructions executable by the processor to:
couple to a financial account of a donor;
receive financial history from the account;
analyze a financial health of the donor based, at least in part, on the financial history;
access, via an application program interface of a social media platform and using log-in information provided by the donor, a social media account of the donor associated with the social media platform, wherein the social media platform allows the donor to follow social media accounts associated with one or more other users of the social media platform;
identify one or more social media accounts followed by the social media account of the donor on the social media platform;
correlate a subject of the one or more social media accounts followed by the donor with one or more charities and with a topic of interest of the donor, wherein the one or more social media accounts are separate and distinct from a social media account of one of the charities, the one or more charities recommended based at least in part on the topic of interest of the donor;
identify text indicative of the topic of interest of the donor utilizing keyword search mechanisms on the social media data from the social media account of the donor;
generate a list of the one or more charities and, for each charity in the list, a recommended donation amount based at least in part on the financial health of the donor;
present, in a user interface of a website served to the personal computing device or via an application running on the personal computing device, the list of the one or more charities and the recommended donation amount for each charity in the list;
retrieve, from one or more third party websites, data regarding donation opportunities for the one or more charities;
receive a global positioning system (GPS) coordinate from a location positioning sensor of the personal computing device of the donor;
determine, based on the GPS coordinate of the personal computing device, that the personal computing device is located within a predetermined distance from a charity in the list;
in response to determining from the GPS coordinate of the personal computing device that the personal computing device is within the predetermined distance from the charity in the list, provide, via the user interface, an alert of an opportunity to make a donation; and
generate, using the data from the one or more third party websites, a user selectable option displayable via the user interface that allows the donor to make the donation to the charity in the list presented via the user interface;
wherein a selection of the user selectable option provided by the user interface allows the donor to initiate the donation to the charity in the list in an amount equal to the recommended donation amount, or in an amount indicated by the donor via a user input field provided by the user interface.

### Claim 2

(canceled)

### Claim 3

(canceled)

### Claim 4

(canceled)

### Claim 5

(canceled)

### Claim 6 (depends on 1)

The system of claim 1, wherein the donation amount recommended to the donor is within a donation capacity of the donor.

### Claim 7 (depends on 1)

The system of claim 1, wherein the topic of interest of the donor is further based in part on an interest tag obtained from the social media account of the donor associated with the social media platform.

### Claim 8 (depends on 24)

The system of claim 24, wherein at least one of the user selectable options includes an option of paying a bill of a selected one of the one or more charities recommended to the donor; and
wherein the server system is further configured to display, by the application and on the personal computing device of the donor, a bill pay user interface in response to the donor selecting the option of paying a bill of a charity.

### Claim 9

(canceled)

### Claim 10

A method comprising:
coupling to, by a bank account management circuit, a financial account of a donor, including processing transactions for the account, the transactions including at least one of checking transactions and credit card transactions;
receiving, by a donor input evaluation circuit, financial history from the account;
analyzing, by a financial health circuit, a financial health of the donor based on the financial history;
accessing, via an application program interface of a social media platform and using log-in information provided by the donor, a social media account of the donor associated with the social media platform;
identifying one or more social media accounts followed by the social media account of the donor on the social media platform;
correlating a subject of the one or more social media accounts followed by the donor with one or more charities and with a topic of interest of the donor, wherein the one or more social media accounts are separate and distinct from a social media account of one of the charities;
utilizing screen scrape technology to obtain, from the social media account of the donor associated with the social media platform, at least one of comments posted by the donor and content tagged by the donor;
identifying text indicative of the topic of interest of the donor utilizing keyword search mechanisms on the social media data from the social media account of the donor, wherein identifying, by the donor input evaluation circuit, the topic of interest of the donor is based in part on a detection of a predetermined minimum number of occurrences of one or more keywords in at least one of the comments posted by the donor, content tagged by the donor, and the subject of the one or more social media accounts on the social media platform, the one or more charities recommended based at least in part on the topic of interest of the donor;
generating a list of the one or more charities to recommend to the donor and, for each charity in the list, a recommended donation amount based at least in part on the financial health of the donor;
presenting, in a user interface of a web site served to the personal computing device or via an application running on the personal computing device, the list of the one or more charities and the recommended donation amount for each charity in the list;
receiving a global positioning system (GPS) coordinate from a location positioning sensor of the personal computing device of the donor;
determining, based on the GPS coordinate of the personal computing device, that the personal computing device is located within a predetermined distance from a charity in the list;
in response to determining from the GPS coordinate of the personal computing device that the personal computing device is within the predetermined distance from the charity in the list, providing, via the user interface, an alert of an opportunity to make a donation;
generating, within the user interface, a user selectable option to make the donation to the charity in the list recommended via the user interface;
receiving, a selection from the donor of the user selectable option;
receiving, by the charity recommendation circuit, a selection from the donor of a donation amount to the charity in the list; and
initiating, in response to receiving the selection from the donor and by a charity selection system, a donation process from the donor to the charity associated with the user selectable option.

### Claim 11

(canceled)

### Claim 12 (depends on 10)

The method of claim 10, further comprising matching, by a donor collaboration circuit, the donor to other prospective donors, wherein the donor and the other prospective donors have at least one topic of interest in common.

### Claim 13

(canceled)

### Claim 14 (depends on 27)

The method of claim 27, wherein at least one user selectable option includes a bill pay option for paying a bill of one of the one or more charities recommended to the donor, the charity recommendation circuit displaying, by the application and on the personal computing device of the donor, a bill pay user interface in response to the selection by the donor of the bill pay option.

### Claim 15

(canceled)

### Claim 16

(canceled)

### Claim 17

An apparatus, comprising:
a donor input evaluation circuit structured to:
couple to a financial account of a donor;
receive a financial history from the account; and
provide, via an application accessible on a personal computing device of the donor, the donor with access to the financial history from the account;
a financial health circuit structured to analyze a financial health of the donor based on the financial history; and
a charity recommendation circuit structured to:
access, via an application program interface of a social media platform and using log-in information provided by the donor, a social media account of the donor associated with the social media platform, wherein the social media platform allows the donor to follow social media accounts associated with one or more other users of the social media platform;
identify one or more social media accounts followed by the social media account of the donor on the social media platform;
correlate a subject of the one or more social media accounts followed by the donor with one or more charities and with a topic of interest of the donor, wherein the one or more social media accounts are separate and distinct from a social media account of one of the charities, the one or more charities recommended based at least in part on the topic of interest of the donor;
identify text indicative of the topic of interest of the donor utilizing keyword search mechanisms on the social media data from the social media account of the donor;
generate a list of the one or more charities and, for each charity in the list, a recommended donation amount based at least in part on the financial health of the donor;
present, in a user interface of a web site served to the personal computing device or via an application running on the personal computing device, the list of the one or more charities and the recommended donation amount for each charity in the list;
retrieve, from one or more third party websites, data regarding donation opportunities for the one or more charities;
receive a global positioning system (GPS) coordinate from a location positioning sensor of the personal computing device of the donor;
determine, based on the GPS coordinate of the personal computing device, that the personal computing device is located within a predetermined distance from a charity in the list;
in response to determining from the GPS coordinate of the personal computing device that the personal computing device is within the predetermined distance from the charity in the list, provide, via the user interface, an alert of an opportunity to make a donation; and
generate, using the data from the one or more third party websites, a user selectable option displayable via the user interface that allows the donor to make the donation to the charity in the list presented via the user interface;
wherein a selection of the user selectable option provided by the user interface allows the donor to initiate the donation to the charity in the list.

### Claim 18

(canceled)

### Claim 19 (depends on 17)

The apparatus of claim 17, further comprising a charity vetting circuit structured to:
receive identity information from at least one of the one or more charities; and
validate at least one of the one or more charities.

### Claim 20

(canceled)

### Claim 21

(canceled)

### Claim 22 (depends on 1)

The system of claim 1, wherein the financial history includes information related to at least one of: transaction executed by the donor, financial obligations of the donor, historical account balances, variability in expenses of the donor, and income of the donor.

### Claim 23

(canceled)

### Claim 24 (depends on 1)

The system of claim 1, wherein the user interface displayed by the application includes a plurality of user selectable options associated with each of the one or more charities recommended to the donor, wherein a selection of a user selectable option is configured to effectuate a donation by the donor to the associated charity.

### Claim 25 (depends on 8)

The system of claim 8, wherein the bill pay user interface displayed by the application on the personal computing device of the donor is generated using data retrieved from at least one third party website.

### Claim 26 (depends on 25)

The system of claim 25, wherein the bill pay user interface is configured to present a user interface with a same visual appearance as the user interface displayable on the personal computing device of the donor.

### Claim 27 (depends on 10)

The method of claim 10, wherein the user interface includes a plurality of user selectable options for each of the one or more charities recommended to the donor, the selection from the donor of a charity being received in response to a selection by the donor of a user selectable option displayed by the application.

### Claim 28 (depends on 14)

The method of claim 14 wherein the bill pay user interface displayed by the application on the personal computing device of the donor is generated using data retrieved from at least one third party website.

### Claim 29 (depends on 28)

The method of claim 28, wherein the bill pay user interface is configured to present a user interface with a same visual appearance as the user interface displayable on the personal computing device of the donor.

### Claim 30 (depends on 17)

The apparatus of claim 17, wherein the user interface includes a plurality of user selectable options associated with each of the one or more charities recommended to the donor, the selection of a selectable option being configured to effectuate a donation by the donor to the associated charity.

### Claim 31 (depends on 30)

The apparatus of claim 30, wherein at least one user selectable option includes a bill pay option for paying a bill of one of the one or more charities recommended to the donor, the charity recommendation circuit displaying, by the application and on the personal computing device of the donor, a bill pay user interface in response to the selection by the donor of the bill pay option.

### Claim 32 (depends on 31)

The apparatus of claim 31, wherein the bill pay user interface displayed by the application on the personal computing device of the donor is generated using data retrieved from at least one third party website.

### Claim 33 (depends on 32)

The system of claim 32, wherein the bill pay user interface is configured to present a user interface with a same visual appearance as the user interface displayable on the personal computing device of the donor.