Patents by Inventor Michael Restrepo

Michael Restrepo has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Publication number: 20250139697
    Abstract: Systems, methods, and computer-readable storage media for performance indicator operations are disclosed. One method includes identifying user activity data and one or more performance indicators of a user, and modeling the user activity data to generate one or more performance products including a plurality of performance parameters corresponding to a future performance indicator of the user. The method further includes generating and presenting a graphical user interface (GUI) including one or more actionable events associated with the plurality of performance parameters, and monitoring the user activity data and the one or more performance indicators of the user based on receiving new activity data corresponding to the future performance indicator from a user data source. The method further includes presenting one or more content items on the GUI including an indication of whether the user satisfies the plurality of performance parameters of the one or more performance products.
    Type: Application
    Filed: October 27, 2023
    Publication date: May 1, 2025
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Jim Carlough, Chris A. Feathers, Debashis Ghosh, Rukiya Kelly, Justin Morris Krieger, Michael Restrepo, Jane Turpin, Matt Shuck
  • Publication number: 20250077310
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for providing a resource allocation recommendation message to a user. An example method includes identifying a predicted liquid asset influx for the user and determining a current resource metric. The method further includes generating a resource allocation recommendation message that comprises one or more resource allocation recommendations that are each associated with (i) a user account of the one or more user accounts associated with the user or a new user account type and (ii) a resource allocation value. The method may further include providing the resource allocation recommendation message.
    Type: Application
    Filed: August 28, 2023
    Publication date: March 6, 2025
    Inventors: Debashis Ghosh, Maria Chiarenza, Srinivas R. Doki, Chinimilli Vara Maheswara Satish Kumar, Michael Restrepo, Kurt D. Newman
  • Publication number: 20250077316
    Abstract: Systems, apparatuses, methods, and computer program products are disclosed for providing an asset savings notification to a user. An example method includes determining a user event prediction for the user and in response to determining the user event prediction, determining a predicted liquid asset influx. The method further includes generating and providing the asset savings notification.
    Type: Application
    Filed: August 28, 2023
    Publication date: March 6, 2025
    Inventors: Debashis Ghosh, Maria Chiarenza, Srinivas R. Doki, Chinimilli Vara Maheswara Satish Kumar, Michael Restrepo, Kurt D. Newman