Chime Financial, Inc.

Abbey Chaver

Jigar Mehta

Abhi Sharma

Paul Zeng

Sashidhar Guntury

The present disclosure relates to systems, non-transitory computer-readable media, and methods for utilizing machine learning models to determine predicted client intent classifications and/or client-agent escalation classes to generate personalized digital text reply options within an automated interactive digital text thread. For example, disclosed systems utilize the machine learning model to generate predicted client-agent escalation classes and corresponding probabilities. The disclosed systems utilize the predicted client-agent escalation classifications and the escalation class probabilities to generate personalized digital text reply options. Moreover, the disclosed systems can provide personalized digital text reply options to a client device within an automated interactive digital text thread, bypassing the inefficiency of menu options or protocols utilized to guide clients to terminal information.

Utilizing machine learning models to generate interactive digital text threads with personalized agent escalation digital text reply options

The present disclosure relates to systems, non-transitory computer-readable media, and methods for utilizing a machine learning model to determine predicted client intent classifications and generate personalized digital text reply options within an automated interactive digital text thread. For example, disclosed systems utilize the machine learning model to generate predicted client intent classifications and corresponding intent classification probabilities. The disclosed systems utilize the predicted client disposition classifications and the disposition classification probabilities to generate personalized digital text reply options. Moreover, the disclosed systems can provide personalized digital text reply options to a client device within an automated interactive digital text thread, bypassing the inefficiency of menu options or protocols utilized to guide clients to terminal information.

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Berkley, CA, United States of America

Abbey Chaver