IP Library Patent Application 19063072
Patent Application
App. No. 19/063,072

UTILIZING MACHINE LEARNING MODELS TO GENERATE INTERACTIVE DIGITAL TEXT THREADS WITH PERSONALIZED AGENT ESCALATION DIGITAL TEXT REPLY OPTIONS

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Quick Facts
Patent No.
US None
App. No.
19/063,072
Abstract

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.

Claims (51)

1 . A computer-implemented method comprising training an agent escalation machine learning model by:

generating, utilizing the agent escalation machine learning model, a plurality of client-agent escalation class predictions from a set of training client features corresponding to client devices;

identifying ground truth client-agent escalation classes generated based on interactions between agent devices and the client devices;

generating a measure of loss by comparing, utilizing a loss function, the plurality of client-agent escalation class predictions with the ground truth client-agent escalation classes; and

modifying parameters of the agent escalation machine learning model based on the measure of loss.

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

generating the set of training client features by extracting historical device activity of digital accounts corresponding to the client devices; and

generating, utilizing the agent escalation machine learning model, the plurality of client-agent escalation class predictions from the historical device activity of the digital accounts corresponding to the client devices.

3 . The computer-implemented method of claim 1 , wherein generating the plurality of client-agent escalation class predictions comprises utilizing at least one of a neural network or decision tree to generate the plurality of client-agent escalation class predictions.

4 . The computer-implemented method of claim 1 , wherein identifying the ground truth client-agent escalation classes comprises:

monitoring information transferred between the client devices and the agent devices; and

generating the ground truth client-agent escalation classes from the information transferred between the client devices and the agent devices.

5 . The computer-implemented method of claim 1 , wherein identifying the ground truth client-agent escalation classes comprises obtaining labeled ticket classifications based on interactions at the agent devices.

6 . The computer-implemented method of claim 1 , wherein modifying parameters of the agent escalation machine learning model based on the measure of loss comprises:

generating nodes of a decision tree model based on the measure of loss; or

modifying internal weights of a neural network based on the measure of loss.

7 . The computer-implemented method of claim 1 , further comprising training the agent escalation machine learning model based on a first layer of a hierarchical intent architecture from a plurality of layers of the hierarchical intent architecture.

8 . A non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause a computer system to train an agent escalation machine learning model by:

generating, utilizing the agent escalation machine learning model, a plurality of client-agent escalation class predictions from a set of training client features corresponding to client devices;

identifying ground truth client-agent escalation classes generated based on interactions between agent devices and the client devices;

generating a measure of loss by comparing, utilizing a loss function, the plurality of client-agent escalation class predictions with the ground truth client-agent escalation classes; and

modifying parameters of the agent escalation machine learning model based on the measure of loss.

9 . The non-transitory computer-readable medium of claim 8 , further comprising instructions that, when executed by the at least one processor, cause the computer system to train the agent escalation machine learning model by:

generating the set of training client features by extracting historical device activity of digital accounts corresponding to the client devices; and

generating, utilizing the agent escalation machine learning model, the plurality of client-agent escalation class predictions from the historical device activity of the digital accounts corresponding to the client devices.

10 . The non-transitory computer-readable medium of claim 8 , wherein generating the plurality of client-agent escalation class predictions comprises utilizing at least one of a neural network or decision tree to generate the plurality of client-agent escalation class predictions.

11 . The non-transitory computer-readable medium of claim 8 , wherein identifying the ground truth client-agent escalation classes comprises:

monitoring information transferred between the client devices and the agent devices; and

generating the ground truth client-agent escalation classes from the information transferred between the client devices and the agent devices.

12 . The non-transitory computer-readable medium of claim 8 , wherein identifying the ground truth client-agent escalation classes comprises obtaining labeled ticket classifications based on interactions at the agent devices.

13 . The non-transitory computer-readable medium of claim 8 , wherein modifying parameters of the agent escalation machine learning model based on the measure of loss comprises:

generating nodes of a decision tree model based on the measure of loss; or

modifying internal weights of a neural network based on the measure of loss.

14 . The non-transitory computer-readable medium of claim 8 , further comprising instructions that, when executed by the at least one processor, cause the computer system to train the agent escalation machine learning model based on a first layer of a hierarchical intent architecture from a plurality of layers of the hierarchical intent architecture.

15 . A system comprising:

at least one processor; and

at least one non-transitory computer-readable storage medium storing instructions that, when executed by the at least one processor, cause the system to train an agent escalation machine learning model by:

generating, utilizing the agent escalation machine learning model, a plurality of client-agent escalation class predictions from a set of training client features corresponding to client devices;

identifying ground truth client-agent escalation classes generated based on interactions between agent devices and the client devices;

generating a measure of loss by comparing, utilizing a loss function, the plurality of client-agent escalation class predictions with the ground truth client-agent escalation classes; and

modifying parameters of the agent escalation machine learning model based on the measure of loss.

16 . The system of claim 15 , further comprising instructions that, when executed by the at least one processor, cause the system to train the agent escalation machine learning model by:

generating the set of training client features by extracting historical device activity of digital accounts corresponding to the client devices; and

generating, utilizing the agent escalation machine learning model, the plurality of client-agent escalation class predictions from the historical device activity of the digital accounts corresponding to the client devices.

17 . The system of claim 15 , wherein generating the plurality of client-agent escalation class predictions comprises utilizing at least one of a neural network or decision tree to generate the plurality of client-agent escalation class predictions.

18 . The system of claim 15 , wherein identifying the ground truth client-agent escalation classes comprises:

monitoring information transferred between the client devices and the agent devices; and

generating the ground truth client-agent escalation classes from the information transferred between the client devices and the agent devices.

19 . The system of claim 15 , wherein identifying the ground truth client-agent escalation classes comprises obtaining labeled ticket classifications based on interactions at the agent devices.

20 . The system of claim 15 , wherein modifying parameters of the agent escalation machine learning model based on the measure of loss comprises:

generating nodes of a decision tree model based on the measure of loss; or modifying internal weights of a neural network based on the measure of loss.

Assignments (2)
SECURITY AGREEMENT Recorded Mar 31, 2025
From: CHIME FINANCIAL, INC.
To: MORGAN STANLEY SENIOR FUNDING, INC., AS COLLATERAL AGENT
Reel/Frame 070689/0813 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 26, 2025
From: MEHTA, JIGAR; CHAVER, ABBEY; ZENG, PAUL; SHARMA, ABHI
To: CHIME FINANCIAL, INC.
Reel/Frame 070333/0071 →