Leveraging an artificial intelligence engine to generate customer-specific user experiences based on real-time analysis of customer responses to recommendations

Patent metadata

Field	Value
Publication number	US-10510088-B2
Application number	US-201615288565-A
Country	US
Kind code	B2
Filing date	Oct 7, 2016
Priority date	Oct 7, 2016
Publication date	Dec 17, 2019
Grant date	Dec 17, 2019

Abstract

Embodiments leverage an artificial intelligence engine to generate customer-specific user experiences based on real-time analysis of customer responses to recommend and/or experienced features. Some embodiments access a profile of an end user comprising at least one first characteristic associated with the end user and extract end user information from a database of an entity server; identify a first trend related to resource utilization and/or management implemented by the end user based on the extracted end user information; determine an opportunity based on the identified first trend; in response to determining the opportunity, transmit control signals configured to cause the graphical user interface of the device of the end user to display graphically at least one recommendation based on the determined opportunity to the end user; and receive an input selecting or declining at least one recommendation. These inputs may correlate to a modified interface experience.

First claim

What is claimed is:

1. A system for generating customer-specific user experiences based on real-time analysis of customer responses to recommendations, the system comprising:
a network communication interface;
a memory device storing a resource utilization and management application;
a processing device operatively coupled to the memory device, wherein the processing device is configured to execute computer-readable program code to:
access a profile of an end user comprising at least one first characteristic associated with the end user and extract end user information from a database of an entity server;
identify a first trend related to resource utilization and/or management implemented by the end user based on the extracted end user information;
access a comprehensive set of profiles associated with a comprehensive set of users not including the end user;
determine a subset of profiles of the comprehensive set of profiles, each of the subset of profiles associated with at least one of a plurality of users of the comprehensive set of users, and each of the subset of profiles comprising at least one second characteristic associated with its associated plurality of users, wherein determining the subset of profiles comprises:
for each profile of the comprehensive set of profiles, comparing the at least one first characteristic of the end user with the at least one second characteristic of the comprehensive set of users to determine whether they match, thereby resulting in a matching subset of profiles, wherein the process of matching is performed based at least in part on comparison parameters;

in response to determining the matching subset of profiles, extract user information related to the matching subset of profiles from the database of the entity server;
identify a second trend related to resource utilization and/or management implemented by the matching subset of profiles based on the information extracted from the matching subset of profiles;
compare the first trend and the second trend to determine an opportunity for improving end user resource utilization and/or resource management exists;
determine the opportunity;
in response to determining the opportunity, transmit control signals configured to cause the graphical user interface of the device of the end user to display graphically at least one recommendation associated with the determined opportunity,
receive, via the graphical user interface, an input selecting at least one recommendation, thereby indicating a positive response to the at least one recommendation, or declining all the recommendations, thereby indicating a negative response to all the recommendations;
based on at least one of one or more negative responses and one or more positive responses, determine that the end user correlates to a modified graphical user interface; and
transmit control signals configured to cause the graphical user interface of the device of the end user to change from a standard interface profile to a modified interface profile, wherein the modified interface profile modifies at least one of a tone for presenting that at least one recommendations, a layout of the graphical user interface, a frequency with which the at least one recommendations are presented, a duration for presenting the at least one recommendation.

2. The system of claim 1 , wherein the processing device is further configured to execute computer-readable program code to:
continuously monitor the end user information for any changes;
automatically update the first trend after detecting changes to the end user information; and
transmit control signals configured to cause the graphical user interface of the device of the end user to display an updated at least one recommendation.

3. The system of claim 1 , wherein the first characteristic includes at least one of time period of existence range, zip code, salary range, location, occupation type, number of children, and goals.

4. The system of claim 1 , wherein the second characteristic includes at least one of time period of existence range, zip code, salary range, location, occupation type, number of children, transaction history, account summary and goals.

5. The system of claim 1 , wherein updating the graphical representation includes sending an alert to the end user.

6. The system of claim 1 , wherein the processing device is further configured to execute computer-readable program code to:
transmit control signals configured to cause the graphical user interface of the device of the end user to receive a selection input of at least one recommendation.

7. The system of claim 6 , wherein the processing device is further configured to execute computer-readable program code to:
in response to receiving the selection of at least one recommendation from the device of the end user, implement the at least one recommendation selected by the end user.

8. The system of claim 1 , wherein the processing device is further configured to execute computer-readable program code to:
transmit control signals configured to cause the graphical user interface of the device of the end user to receive a declining input declining to select at least one recommendation.

9. The system of claim 1 , wherein the processing device is further configured to execute computer-readable program code to:
determine, based on failure to receive an input selecting at least one recommendation, that the end user has a negative response to the at least one recommendation.

10. The system of claim 1 , wherein determining that the end user correlates to a modified interface comprises performing a database lookup to determine which of a plurality of recommendation profiles the end user matches, based on the one or more negative responses and/or positive responses.

Assignees

• Bank Of America

Inventors

• Jones-Mcfadden Alicia C
• Hsieh Matthew
• Enscoe Scott R
• Anand Raghav
• Anderson Michael
• Miller Elizabeth Ann
• Shilov Daniel
• Salvino Alicia Anli

Classifications

• G06F3/0481

  based on specific properties of the displayed interaction object or a metaphor-based environment, e.g. interaction with desktop elements like windows or icons, or assisted by a cursor's changing behaviour or appearance · CPC title

• G06Q30/0203 Primary

  Market surveys; Market polls · CPC title

• G06Q30/0204

  Market segmentation · CPC title

• G06N20/00

  Machine learning · CPC title