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    SYSTEMS AND METHODS FOR SCHEDULING BUSINESS-TO-INDIVIDUAL PAYMENTS
    2.
    发明申请
    SYSTEMS AND METHODS FOR SCHEDULING BUSINESS-TO-INDIVIDUAL PAYMENTS 审中-公开

    公开(公告)号：US20200034813A1

    公开(公告)日：2020-01-30

    申请号：US16049200

    申请日：2018-07-30

    申请人： Wells Fargo Bank, N.A.

    发明人： Millicent Calinog ,  Patricia J. Chouanard-Mcadam ,  Chris Kalaboukis ,  Kristine Ing Kushner ,  Muhammad Farukh Munir ,  Raissa Williams

    IPC分类号： G06Q20/22

    摘要： Systems and methods for facilitating transactions include determining an amount of funds that a payer owes a payee, determining a first payment offer that is for the amount of funds that the payer owes the payee and a first target payment date, providing the first payment offer to the payee, receiving a user input from a payee device, generating a second payment offer of an offered amount of funds and a second target payment date where the offered amount of funds is lower than the amount of funds that the payer owes the payee and the second target payment date is prior to the first target payment date, providing a notification to the payee, receiving a user input from the payee device, and initiating an electronic funds transfer from a source account of the payer to a target account of the payee.

    Predicting and making payments via preferred payment methods
    3.
    发明授权
    Predicting and making payments via preferred payment methods 有权

    公开(公告)号：US11636475B1

    公开(公告)日：2023-04-25

    申请号：US16148555

    申请日：2018-10-01

    申请人： Wells Fargo Bank, N.A.

    发明人： Millicent Calinog ,  Patricia Chouanard-McAdam ,  Chris Kalaboukis ,  Kristine Ing Kushner ,  Muhammad Farukh Munir ,  Raissa Williams

    IPC分类号： G06Q30/00 ,  G06Q20/40 ,  G06Q20/10 ,  G06Q20/36 ,  G06Q30/0601

    摘要： Systems and methods for predicting and making payments via preferred payment methods include determining an amount that a payer owes a payee, predicting a preferred funds transfer method of the payee, providing a notification to a payee device associated with the payee, receiving a user input from the payee device indicating an agreement with the preferred funds transfer method, and initiating, in response to the user input, a funds transfer from a source account of the payer to the payee. Predicting a preferred funds transfer method of the payee can include performing data analytics on at least one data source associated with the payee, such as a smart digital wallet, a social network account, a smart appliance, a financial account, a financial transaction, a shopping list, and a geographic location, etc. In some embodiments, predicting a preferred funds transfer method of the payee includes rerouting the payment to downstream payees.