Patent ID: 11882084
Assignee: WELLS FARGO BANK, N.A.
Field: Computer technology (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 18:
19. A computer-implemented method, comprising:
capturing, by a user device, using a sound detector of the user device, ambient sounds during a conversation between a user and a chatbot;
analyzing, by the user device, the ambient sounds to recognize a set of words spoken by the user during the conversation;
providing, by the user device, the set of words spoken by the user to a machine learning model trained using at least a supervised machine learning technique on words or phrases previously communicated to the chatbot by multiple other users with known ages, wherein the machine learning model is trained by applying a pattern recognition model and a classification model to the words or phrases spoken or written previously communicated to the chatbot by the multiple other users with known ages, the pattern recognition model configured to detect use of certain words or phrases associated with known ages, the classification model configured to classify the user as corresponding to a predicted age;
determining, by the user device, that the machine learning model is unable to classify at least one word or phrase in the set of words or phrases;
transmitting, by the user device to a remote device, responsive to determining that the machine learning model is unable to classify the at least one word or phrase, an indication of the at least one word or phrase that the machine learning model was unable to classify;
determining, by the user device, an age or an age range of the user by applying the set of words spoken by the user to an updated machine learning model, the age or age range generated with a respective confidence score indicating an estimated probability that the user corresponds to the age or age range, the updated machine learning model updated (i) responsive to receiving a response to the indication that includes an identification of a classification of the at least one word or phrase, (ii) based on the at least one word or phrase and the identification of the classification;
generating, by the user device, responsive to the respective confidence score of the age or age range satisfying a second predetermined threshold, a hyperlink for a product or service selected based on the age or age range of the user;
determining, by the user device, a response to the set of words spoken by the user based on (i) the age or the age range and (ii) a financial issue identified in the set of words spoken by the user, the response including the hyperlink; and
generating, by the user device, instructions that cause the chatbot to speak the response during the conversation.