The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 06, 2026
Filed:
Aug. 21, 2020
Capital One Services, Llc, McLean, VA (US);
Anish Khazane, San Francisco, CA (US);
Alan Salimov, San Bruno, CA (US);
Omar Florez Choque, Oakland, CA (US);
Capital One Services, LLC., McLean, VA (US);
Abstract
Techniques for bi-modal learning in a financial context are described. These techniques are configured to improve a user's financial acumen and bring the user into an optimal financial state. Some of these techniques are embodied in a device that operates financial education lessons specifically configured for the improving the user's current financial state. These techniques may implement rewards/penalties (in tokens) for correct/incorrect user responses to financial decisions being presented in these lessons for user to make. By exploiting the user's desire for rewards and tokens and the desire to improve the user's current financial state, these techniques may leverage machine learning techniques to identify an appropriate financial education lesson that is most likely to have a positive effect on the user. Over time, administrating the financial education lessons builds customer loyalty to the device that implements these techniques. Other embodiments are described and claimed.