Patent ID: 11972457
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 7:
8. A method performed by a financial institution computing system, the method comprising:
extracting, by a receptiveness metrics circuit, a plurality of transaction parameters from an account database, the transaction parameters including at least one financial transaction record, and indicative of a mode of the customer;
predicting, by the receptiveness metrics circuit, the mode of the customer based on the extracted transaction parameters and at least one of a location of the customer and a mode of transportation associated with the financial transaction record;
determining, by the receptiveness metrics circuit, one or more receptiveness metrics attributed to the customer based on the mode of the customer, the one or more receptiveness metrics indicating likelihoods of the customer converting an interaction from the financial institution, wherein the interaction includes an avatar that is an aged version of the customer;
determining, by the receptiveness metrics circuit, a confidence level for the mode of the customer based whether one or more of the plurality of transaction parameters confirm or disprove the predicted behavior; and
transmitting, by an interaction generation circuit, the interaction to the customer at an optimal time based on the one or more receptiveness metrics.