LEVERAGING AN ARTIFICIAL INTELLIGENCE ENGINE TO GENERATE CUSTOMER-SPECIFIC USER EXPERIENCES BASED ON REAL-TIME ANALYSIS OF CUSTOMER RESPONSES TO RECOMMENDATIONS

• US 20200051100A1
• Filed: 10/17/2019
• Published: 02/13/2020
• Est. Priority Date: 10/07/2016
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Jones-McFadden, Alicia C., Hsieh, Matthew, Enscoe, Scott R., Anand, Raghav, Anderson, Michael, Miller, Elizabeth Ann, Shilov, Daniel, Salvino, Alicia Anli
• Granted Patent: US 10,726,434 B2
• Time in Patent Office: Days
• CPC Class Codes: G06F 3/0481 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 Class Codes: G06N 20/00 Machine learning
• CPC Class Codes: G06Q 30/0203 Market surveys; Market polls
• CPC Class Codes: G06Q 30/0204 Market segmentation

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.

Claims

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;

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;

transmit control signals configured to cause the graphical user interface of the device of the end user to receive 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 one or more negative responses and/or positive responses, determine that the end user correlates to a modified 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.

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 opportunity.

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. 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;

initiate presentation of a graphical user interface to an end user;

transmit control signals configured to cause the graphical user interface of the device of the end user to display graphically at least one feature;

transmit control signals configured to cause the graphical user interface of the device of the end user to receive an input selecting at least one feature, thereby indicating a positive response to the at least one feature, or declining all the feature, thereby indicating a negative response to all the features;

based on one or more negative responses and/or positive responses, determine that the end user correlates to a modified interface by performing a database lookup to determine which of a plurality of feature profiles the end user matches, based on the one or more negative responses and/or positive responses; 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.