NATURAL LANGUAGE VIRTUAL ASSISTANT

1 . A computer-implemented method, executed by a processor, that generates a predicted context using a chat window, comprising:

retrieving, by the processor and from a first memory, an un-structured transaction data set comprising question and answer sets for a plurality of accounts associated with a plurality of customers;

receiving, by the processor, a natural language input via the chat window and from a customer of the plurality of customers;

accessing, by the processor, a heuristic algorithm stored in a second memory;

generating, by executing the algorithm with the processor, using the natural language input and the un-structured transaction data set, the predicted context;

generating, by the processor and using the predicted context, a predicted question of the customer;

receiving, by the processor, an actual customer question from the customer via a human machine interface;

determining, by the processor, a correlation between the actual customer question and the predicted question; and

updating, by the processor, the heuristic algorithm in the second memory based at least in part on the correlation.

2 . The computer-implemented method of claim 1 , wherein the natural language input comprises an implied question with an expected answer.

3 . (canceled)

4 . The computer-implemented method of claim 1 , wherein the un-structured transaction data set comprises past transactions related to at least one account.

5 . The computer-implemented method of claim 1 , wherein the first memory comprises an external transaction server.

6 . The computer-implemented method of claim 1 , wherein the second memory comprises an external heuristic server.

7 . The computer-implemented method of claim 1 , wherein the human machine interface renders the chat window on a display.

8 . A computer system configured to generate a predicted context using a chat window, the computer system comprising one or more processors configured to:

retrieve, from a first memory, an un-structured transaction data set comprising question and answer sets for a plurality of accounts associated with a plurality of customers;

receive a natural language input via the chat window and from a customer of the plurality of customers;

access a heuristic algorithm stored in a second memory;

generate, based on executing the heuristic algorithm using the natural language input and the un-structured transaction data set, the predicted context;

generate, using the predicted context, a predicted question of the customer;

receive an actual customer question from the customer via a human machine interface;

determine a correlation between the actual customer question and the predicted question; and

update the heuristic algorithm in the second memory based at least in part on the correlation between the actual customer question and the predicted question.

9 . The computer system of claim 8 , wherein the natural language input comprises an implied question with an expected answer.

10 . (canceled)

11 . The computer system of claim 8 , wherein the un-structured transaction data set comprises past transactions related to at least one account.

12 . The computer system of claim 8 , wherein the first memory comprises an external transaction server.

13 . The computer system of claim 8 , wherein the second memory comprises an external heuristic server.

14 . A non-transitory computer readable medium, comprising computer readable instructions that, when executed by a processor, cause the processor to:

retrieve, from a first memory, an un-structured transaction data set comprising question and answer sets for a plurality of accounts associated with a plurality of customers;

receive a natural language input via a chat window and from a customer of the plurality of customers;

access a heuristic algorithm stored in a second memory;

generate, based on executing the heuristic algorithm using the natural language input and the un-structured transaction data seta, a predicted context;

generate, using the predicted context, a predicted question of the customer;

receive an actual customer question from the customer via a human machine interface;

determine a correlation between the actual customer question and the predicted question; and

update the heuristic algorithm in the second memory based at least in part on the correlation between the actual customer question and the predicted question.

15 . The non-transitory computer readable medium of claim 14 , wherein the natural language input comprises an implied question with an expected answer.

16 . (canceled)

17 . The non-transitory computer readable medium of claim 14 , wherein the un-structured transaction data set comprises past transactions related to at least one account.

18 . The non-transitory computer readable medium of claim 14 , wherein the first memory comprises an external transaction server.

19 . The non-transitory computer readable medium of claim 14 , wherein the second memory comprises an external heuristic server.

20 . The non-transitory computer readable medium of claim 14 , wherein the human machine interface renders the chat window on a display.

21 . The computer-implemented of claim 1 , further comprising:

determining, by the processor, a semantic difference between the actual customer question and the predicted question; and

updating, by the processor, the heuristic algorithm in the second memory based at least in part on the semantic.

22 . The computer-implemented of claim 1 , further comprising:

receiving, by the processor, an indication that a chat session associated with the customer has been initiated; and

based at least in part on the indication, retrieving, by the processor and from the first memory, the un-structured transaction data set.

23 . The computer system of claim 1 , wherein determining the question and answer sets comprise correlated questions and answers associated with one or more customers of the plurality of customers.