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. 20, 2026
Filed:
Feb. 12, 2024
Applicant:
Bank of America Corporation, Charlotte, NC (US);
Inventor:
Manoj Shankar, Bothell, WA (US);
Assignee:
Bank of America Corporation, Charlotte, NC (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06F 15/16 (2006.01); G06Q 40/02 (2023.01); G06Q 40/04 (2012.01); H04L 51/02 (2022.01); H04L 51/216 (2022.01); H04L 67/306 (2022.01);
U.S. Cl.
CPC ...
H04L 51/02 (2013.01); G06Q 40/02 (2013.01); G06Q 40/04 (2013.01); H04L 51/216 (2022.05); H04L 67/306 (2013.01);
Abstract
Apparatus and methods for an artificial intelligence/machine learning ('AI/ML') chatbot personalized to a user are provided. The apparatus and methods may include a personalized AI/ML chatbot on a server receiving one or more financial records about a user. The personalized chatbot may analyze the one or more records. The personalized chatbot may determine one or more financial services to present to the user based on the financial records. The personalized chatbot may provide links to the recommended financial services. The personalized chatbot may be trained on responses from the user.