IP Library Granted Patent US 12705998
Granted Patent B2
US 12705998 · App. 18/395,894 · Granted Aug 11, 2026

Systems and methods for an educational generative artificial intelligence model

Inventors: Ashish B. Kurani (Hillsborough, CA); Azita Asefi (Vacaville, CA); Alan W. Hecht (Chanhassen, MN); Traci Nguyen (San Francisco, CA); Darrell Lee Suen (San Ramon, CA); Dennis E. Montenegro (Concord, CA); Julio Jiron (San Bruno, CA); Darius A. Miranda (San Francisco, CA); Muhammad Farukh Munir (Pittsburg, CA)
Assignee: Wells Fargo Bank, N.A.
G09B7/04G06N3/0475
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Quick Facts
Patent No.
US 12705998
App. No.
18/395,894
Granted
Aug 11, 2026
Kind
B2
Abstract

A provider computing system includes a processing circuit having at least one processor coupled to at least one memory device and at least one artificial intelligence (AI) system. The processing circuit performs operations including retrieving first data from one or more data sources associated with a user; generating a model associated with the user based on the first data; and receiving, from a client computing device of the user, a query for information relating to a primary topic. The at least one AI system is configured to perform operations including generating a user knowledge dataset relating to the primary topic; determining one or more prompts according to the user knowledge dataset; presenting, via the client computing device, the one or more prompts to the user; and receiving, via the client computing device, a response to the one or more prompts from the user.

Claims (58)

1 . A provider computing system comprising:

at least one processing circuit having at least one processor coupled to at least one memory device, the at least one memory device storing instructions thereon that, when executed by the at least one processor, cause the at least one processing circuit to perform operations comprising:

retrieving first data from one or more data sources, wherein the first data comprises information associated with a user;

generating a model associated with the user based on the first data; and

receiving, from a client computing device of the user, a query for information relating to a primary topic;

at least one artificial intelligence (AI) system, the at least one AI system configured to perform operations comprising:

generating a user knowledge dataset relating to the primary topic, wherein the user knowledge dataset comprises a node diagram associated with the primary topic, the node diagram comprising a plurality of nodes representative of secondary topics related to the primary topic;

identifying one or more nodes of the plurality of nodes;

determining one or more prompts according to the user knowledge dataset and based on the one or more nodes;

presenting, via a user interface of the client computing device, the one or more prompts to the user; and

receiving, via the user interface of the client computing device, a response to the one or more prompts from the user.

2 . The provider computing system of claim 1 , wherein the at least one AI system is further configured to perform operations comprising:

generating a value for each of the plurality of nodes based on an evaluation of the user knowledge dataset.

3 . The provider computing system of claim 2 , wherein the evaluation of the user knowledge dataset is based on a comparison of the user knowledge dataset to a general knowledge dataset.

4 . The provider computing system of claim 2 , wherein the at least one AI system is further configured to perform operations comprising:

updating the value for the one or more nodes according to the response to the one or more prompts.

5 . The provider computing system of claim 1 , wherein the at least one processing circuit is further configured to perform operations comprising:

generating one or more additional prompts based on the node diagram for display by the client computing device;

transmitting, to the client computing device, the one or more additional prompts; and

causing the client computing device to render the user interface, the user interface comprising a graphical representation of the node diagram.

6 . The provider computing system of claim 5 , wherein the graphical representation of the node diagram comprises one or more elements corresponding to a value for each of the plurality of nodes, and wherein the at least one processing circuit is further configured to perform operations comprising:

updating, responsive to a receipt of the response to the one or more additional prompts, at least one element of the one or more elements, wherein the updated at least one element indicates a change in the value of the node corresponding to the at least one element.

7 . The provider computing system of claim 1 , wherein the at least one AI system is further configured to perform operations comprising:

generating a challenge question in response to the query, the challenge question relating to the primary topic; and

receiving, via the user interface of the client computing device, a response to the challenge question.

8 . The provider computing system of claim 1 , wherein the at least one AI system comprises a generative AI model.

9 . The provider computing system of claim 1 , wherein the one or more prompts comprise at least one of an audio prompt, a text-based prompt, or a video prompt.

10 . A method comprising:

retrieving, by one or more processors of a provider computing system, first data from one or more data sources, wherein the first data comprises information associated with a user;

receiving, by the one or more processors of the provider computing system from a client computing device of the user, a query for information relating to a primary topic;

generating, by at least one artificial intelligence (AI) system of the provider computing system, a user knowledge dataset relating to the primary topic, wherein the user knowledge dataset comprises a node diagram associated with the primary topic, the node diagram comprising a plurality of nodes representative of secondary topics related to the primary topic;

identifying, by the at least one AI system, one or more nodes of the plurality of nodes;

determining, by the at least one AI system, one or more prompts according to the user knowledge dataset and based on the one or more nodes;

causing, by the one or more processors of the provider computing system, a presentation of a user interface via the client computing device of the one or more prompts; and

receiving, by the one or more processors of the provider computing system via the user interface of the client computing device, a response to the one or more prompts from the user.

11 . The method of claim 10 , further comprising:

generating, by the at least one AI system of the provider computing system, a value for each of the plurality of nodes based on an evaluation of the user knowledge dataset.

12 . The method of claim 11 , wherein the evaluation of the user knowledge dataset is based on a comparison of the user knowledge dataset to a general knowledge dataset.

13 . The method of claim 11 , further comprising:

updating, by the at least one AI system of the provider computing system, the value for the one or more nodes according to the response to the one or more prompts.

14 . The method of claim 10 , further comprising:

generating, by the one or more processors of the provider computing system, one or more additional prompts based on the node diagram for display at the client computing device;

transmitting, by the one or more processors of the provider computing system to the client computing device, the one or more additional prompts; and

causing, by the one or more processors of the provider computing system, the client computing device to render the user interface, the user interface comprising a graphical representation of the node diagram.

15 . The method of claim 14 , wherein the graphical representation of the node diagram comprises one or more elements corresponding to a value for each of the plurality of nodes, the method further comprising:

updating, by the one or more processors of the provider computing system and responsive to a receipt of the response to the one or more additional prompts, at least one element of the one or more elements to indicate a change in the value for the node corresponding to the at least one element.

16 . The method of claim 10 , further comprising:

generating, by the at least one AI system of the provider computing system, a challenge question in response to the query and relating to the primary topic; and

receiving, by the one or more processors of the provider computing system, a response to the challenge question.

17 . The method of claim 10 , wherein the at least one AI system comprises a generative AI model.

18 . A non-transitory computer readable medium including instructions stored thereon that, when executed by one or more processors, cause the one or more processors to perform operations comprising:

retrieving first data from one or more data sources, wherein the first data comprises information associated with a user;

receiving, from a client computing device of the user, a query for information relating to a primary topic;

generating, by at least one artificial intelligence (AI) system, a user knowledge dataset relating to the primary topic, wherein the user knowledge dataset comprises a node diagram associated with the primary topic, the node diagram comprising a plurality of nodes representative of secondary topics related to the primary topic;

identifying, by the at least one AI system, one or more nodes of the plurality of nodes;

determining, by the at least one AI system, one or more prompts according to the user knowledge dataset and based on the one or more nodes;

causing a presentation of a user interface by the client computing device, the presentation comprising the one or more prompts; and

receiving a response to the one or more prompts.