Systems and methods for pervasive advisor for major expenditures

Patent metadata

Field	Value
Publication number	US-11715474-B1
Application number	US-202117193858-A
Country	US
Kind code	B1
Filing date	Mar 5, 2021
Priority date	May 3, 2018
Publication date	Aug 1, 2023
Grant date	Aug 1, 2023

Abstract

A pervasive advisor for major purchases and other expenditures may detect that a customer is contemplating a major purchase (e.g., through active listening). The advisor may assist the customer with the timing and manner of making the purchase in a way that is financially sensible in view of the customer's financial situation. A customer may be provided with dynamically-updated information in response to recent actions that may affect an approved loan amount and/or interest rate. Underwriting of a loan may be triggered based on the geo-location of the user. Financial advice may be provided to customers to help them meet their goals using information obtained from third party sources, such as purchase options based on particular goals. The pervasive advisor may thus intervene to assist with budgeting, financing, and timing of major expenditures based on the customer's location and on the customer's unique and changing circumstances.

First claim

What is claimed is:

1. A service provider computing system comprising:
a database with a user profile corresponding to a user, the user profile comprising a digital biometric voice signature of the user; and
a network interface configured to communicatively couple the service provider computing system with a mobile device having a sound sensor, a location sensor, and one or more user interfaces, the mobile device being configured to use the sound sensor to detect ambient sounds, use the location sensor to detect physical locations of the mobile device, and use the one or more user interfaces to perceptibly present information to the user;
wherein at least one of the mobile device or the service provider computing system is configured to:
detect, using the sound sensor of the mobile device, a set of ambient sounds comprising one or more conversations between the user and one or more other persons;
analyze the set of ambient sounds to identify, based on the digital biometric voice signature of the user, one or more phrases spoken by the user during the one or more conversations;
determine, based on the one or more phrases spoken by the user, an expense strategy for an expenditure;
detect, using a location sensor of the mobile device, a physical location of the mobile device; and
audibly or visually present the expense strategy to the user via the one or more user interfaces of the mobile device when the physical location is a predetermined physical location, and continue to present the expense strategy only while the user remains within a predetermined radius of the physical location.

2. The system of claim 1 , wherein the digital biometric voice signature of the user is used to distinguish between the user and the one or more other persons.

3. The system of claim 1 , wherein determining the expense strategy comprises identifying the expenditure based on the one or more phrases spoken by the user.

4. The system of claim 1 , wherein determining the expense strategy comprises formulating the expense strategy for the expenditure based on the expenditure and user data in the user profile.

5. The system of claim 1 , wherein determining the expense strategy comprises generating a loan to be used for the expenditure, and wherein presenting the expense strategy comprises presenting the loan as an option for paying for the expenditure.

6. The system of claim 5 , wherein the predetermined physical location is a merchant for the expenditure, and wherein the expense strategy is presented upon determining that the detected physical location corresponds to the merchant.

7. The system of claim 5 , wherein at least one of the service provider computing system and the mobile device is further configured to present the expense strategy in real-time or near real-time such that initially-presented loan data is updated based on subsequent transactions detected by at least one of the mobile device and the service provider computing system.

8. The system of claim 1 , wherein analyzing the set of ambient sounds comprises identifying a plurality of fragmented issue indicators in the one or more conversations, wherein the expenditure is identified based at least in part on a combination of fragmented issue indicators.

9. The system of claim 8 , wherein the plurality of fragmented issue indicators are phrases spoken by the user during a plurality of conversations with a plurality of different persons on a plurality of different days.

10. The system of claim 1 , wherein at least one of the mobile device and the service provider computing system is further configured to determine a second physical location of the mobile device based on a transaction executed via a mobile application running on the mobile device.

11. The system of claim 1 , wherein at least one of the mobile device and the service provider computing system is further configured to formulate the expense strategy based at least in part on the physical location of the mobile device.

12. The system of claim 1 , wherein at least one of the mobile device and the service provider computing system is further configured to identify the expenditure based at least in part on the physical location of the mobile device.

13. The system of claim 12 , wherein at least one of the mobile device and the service provider computing system is further configured to identify the expenditure based at least in part on proximity of the mobile device to a merchant at the physical location.

14. The system of claim 1 , wherein the mobile device is a first mobile device, wherein at least one of the first mobile device and the service provider computing system is communicatively coupled to a second mobile device, wherein the second mobile device comprises a second location sensor configured to determine a second physical location of the second mobile device, wherein at least one of the service provider computing system, the first mobile device, and the second mobile device is configured to identify the expenditure based at least in part on the second physical location of the second mobile device determined using the second location sensor of the second mobile device.

15. The system of claim 1 , wherein each detected conversation comprises first voice inputs of the user and second voice inputs of the one or more other persons, the first voice inputs corresponding to the user speaking to the one or more other persons and the second voice inputs corresponding to the one or more other persons speaking to the user, and wherein at least one of the service provider computing system and the mobile device is further configured to extract, from a subset of the ambient sounds, using the digital biometric voice signature of the user to distinguish between the first voice inputs and the second voice inputs, a subset of the first voice inputs comprising the plurality of phrases spoken by the user to the one or more other persons.

16. A computer-implemented method comprising:
detecting, using a sound sensor of a user computing device, a set of ambient sounds comprising one or more conversations between a user and one or more other persons;
analyzing, by the user computing device or a service provider computing device in communication with the user computing device, the set of ambient sounds to identify, based on the digital biometric voice signature of the user, one or more phrases spoken by the user during the one or more conversations;
determining, by the user computing device or the service provider computing device, based on the one or more phrases spoken by the user, an expense strategy for an expenditure;
detecting, using a location sensor of the user computing device, a physical location of the user computing device; and
audibly or visually presenting, by the user computing device, the expense strategy to the user via one or more user interfaces of the user computing device when the physical location is a predetermined physical location, and continuing to present the expense strategy only while the user remains within a predetermined radius of the physical location.

17. The computer-implemented method of claim 16 , wherein determining the expense strategy comprises formulating, by the user computing device or the service provider computing device, the expense strategy based on the expenditure and a user profile with user data corresponding to the user.

18. The computer-implemented method of claim 16 , wherein determining the expense strategy comprises generating a loan to be used for the expenditure, and wherein presenting the expense strategy comprises present

Assignees

• Wells Fargo Bank Na

Inventors

• Brandt Balin Kina
• Fisher Laura
• Floyd Marie Jeanette
• Mcgee Katherine J
• Rench Teresa Lynn
• Vangala Sruthi

Classifications

• G10L15/26 Primary

  Speech to text systems (G10L15/08 takes precedence) · CPC title

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• G06Q40/12

  Accounting · CPC title

• G10L15/22

  Procedures used during a speech recognition process, e.g. man-machine dialogue · CPC title

• G10L17/00

  Speaker identification or verification techniques · CPC title