Pervasive advisor for major expenditures

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 11978094
APP PUB NO 20230252533A1
SERIAL NO

18134979

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ATTORNEY / AGENT: (SPONSORED)

Importance

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Abstract

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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.

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First Claim

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Patent Owner(s)

Patent OwnerAddress
WELLS FARGO BANK N A420 MONTGOMERY STREET SAN FRANCISCO CA 94104

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Brandt, Balin K Brooklyn, US 7 38
Fisher, Laura Rock Hill, US 21 99
Floyd, Marie Jeanette Toronto, CA 16 83
McGee, Katherine J San Francisco, US 21 99
Rench, Teresa Lynn Mount Holly, US 33 110
Vangala, Sruthi San Francisco, US 21 99

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Nov 7, 2027
7.5 Year Payment $3600.00 $1800.00 $900.00 Nov 7, 2031
11.5 Year Payment $7400.00 $3700.00 $1850.00 Nov 7, 2035
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Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00