Patents by Inventor Shawn Hetrick

Shawn Hetrick 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: 20240078556
    Abstract: Disclosed are methods, systems, and devices for identifying anomalous and/or problematic payments based on past payment patterns of a user, past experiences with the user, and the user's circumstances, and implementing intervention mechanisms for proactively resolving account issues before downstream impacts, such as collections calls, inbound calls, and complaints. Anomalous payments may be detected using clustering and prediction. Interventions may include phone calls, emails, notifications, etc. An alert or notification may be sent to the user's mobile application, and various selectable response options suited to the situation may be presented to the user.
    Type: Application
    Filed: October 30, 2023
    Publication date: March 7, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Stacy R. Henryson, Shawn Hetrick, Heather C. Pemble, John Quinnell
  • Patent number: 11803852
    Abstract: Disclosed are methods, systems, and devices for identifying anomalous and/or problematic payments based on past payment patterns of a user, past experiences with the user, and the user's circumstances, and implementing intervention mechanisms for proactively resolving account issues before downstream impacts, such as collections calls, inbound calls, and complaints. Anomalous payments may be detected using clustering and prediction. Interventions may include phone calls, emails, notifications, etc. An alert or notification may be sent to the user's mobile application, and various selectable response options suited to the situation may be presented to the user.
    Type: Grant
    Filed: May 31, 2019
    Date of Patent: October 31, 2023
    Assignee: Wells Fargo Bank, N.A.
    Inventors: Stacy R. Henryson, Shawn Hetrick, Heather C. Pemble, John Quinnell