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

Claim 16:
17. A computer-implemented method, comprising:
determining, by a computing device and during a conversation with a user, that a maturity metric of the user is unknown;
detecting, by the computing device, words or phrases spoken or written by the user during the conversation;
providing, by the computing device, a subset of the words or phrases to a machine learning model trained using a supervised machine learning technique and known maturity metrics to estimate maturity metrics based on words or phrases spoken or written by a plurality of users, 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 by the plurality of users during past conversations of the plurality of users with a chatbot, the pattern recognition model configured to detect use of certain words or phrases associated with known maturity metrics in the past conversations, the classification model, the classification model configured to classify the plurality of users as corresponding to a predicted maturity metric as indicated by a respective generated confidence value;
determining, by the computing device, that the machine learning model is unable to classify at least one word or phrase in the subset of the words or phrases;
transmitting, by the computing 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;
acquiring, by the computing device, a maturity metric output by an updated machine learning model that was updated based on the at least one word or phrase and an identification of a classification of the at least one word or phrase, the maturity metric generated with a respective confidence score indicating an estimated probability that the user corresponds to the maturity metric;
generating, by the computing device, responsive to the respective confidence score of the maturity metric satisfying a predetermined threshold, a hyperlink for a product or service selected based on the maturity metric of the user;
generating, by the computing device, based on a financial issue identified in the words or phrases spoken or written by the user, a response to the words or phrases that is suited to the maturity metric, the response including the hyperlink; and
graphically presenting, by the computing device, the response to the user during the conversation.