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

Claim 0:
1. A method, comprising:
receiving, by a computing system, a set of words or phrases spoken or written by a user during a conversation with a chatbot executed by the computing system;
providing, by the computing system, the set of words or phrases as input to a machine learning model trained by applying a supervised machine learning technique to one or more datasets comprising words used during past conversations between the chatbot executed by the computing system and a plurality of users with known maturity metrics, the supervised machine learning technique comprising a pattern recognition model and a classification model applied to the one or more datasets to identify normal patterns of words or phrases used by the plurality of users with the known maturity metrics during the past conversations with the chatbot, the pattern recognition model configured to detect use of certain words or phrases associated with known maturity metrics in the one or more datasets, 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 system, 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 computing system 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;
providing, by the computing system, the set of words or phrases as input to an updated machine learning model to determine a maturity metric of the user, the updated machine learning model based on an identification of a classification for the at least one word or phrase received in response to the indication transmitted to the remote device, the maturity metric generated with a confidence score indicating an estimated probability that the user corresponds to the maturity metric;
generating, by the computing system, responsive to the confidence score of the maturity metric satisfying a predetermined threshold, a message with a hyperlink for a product or service selected based on the maturity metric of the user; and
perceptibly presenting, via the computing system, the message on a client device of the user by sending the message to the client device.