IP Library Granted Patent US 12,445,557
Granted Patent B2
US 12,445,557 · App. 19/092,532 · Granted Oct 14, 2025

Systems for transitioning telephony-based and in-person servicing interactions to and from an artificial intelligence (AI) chat session

Inventors: Scott Karp (McLean, VA); Deepak Kaushik (Vienna, VA)
Assignee: CAPITAL ONE SERVICES, LLC
H04M3/5166G06F9/547H04L51/02H04M3/5183H04M3/5235H04M3/58H04W4/14H04W4/16
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Quick Facts
Patent No.
US 12,445,557
App. No.
19/092,532
Granted
Oct 14, 2025
Kind
B2
Abstract

A system for transitioning a telephony or in-person servicing to an artificial intelligence (AI) chat session. The system may receive a phone call from a user device associated with a user, and transmit a voice request for personally identifiable information associated with the user. The system may also receive and authenticate the requested personally identifiable information and, in response, generate an authentication token. The system may further receive a servicing intent from the user device, and generate a corresponding servicing intent token. Also, the system may generate an API call to an AI chatbot model, transmit the authentication token and the servicing intent token to the AI chatbot model, and map the servicing intent token to a stored servicing intent. Finally, the system may transmit a message to the user device via the AI chat session.

Claims (40)

1. A system comprising:

one or more processors; and

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the one or more processors to:

receive input data from a user device via an artificial intelligence (AI) chat session;

responsive to receiving the input data, cause the user device to display, via the AI chat session, one or more user input objects respectively associated with one or more communication sessions;

receive, from the user device via the AI chat session, a selection of a first user input object of the one or more user input objects, the selection indicating a preference to initiate a first communication session of the one or more communication sessions; and

cause the user device to initiate the first communication session.

2. The system of claim 1 , wherein the first user input object comprises a button configured for selection within a mobile application.

3. The system of claim 1 , wherein the first user input object indicates a position of a user of the user device in a queue to begin communicating via the first communication session.

4. The system of claim 1 , wherein the one or more communication sessions comprise one or more of a live chat session, a phone call, an email, a text, or combinations thereof.

5. The system of claim 1 , wherein the input data comprises an indication of an action to take with respect to an account or a policy of a user.

6. The system of claim 1 , wherein the input data is received via a text box within the AI chat session.

7. A system comprising:

one or more processors; and

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the one or more processors to:

receive input data from a user device;

responsive to receiving the input data, cause the user device to display, via a graphical user interface (GUI), a user input object associated with a customer representative agent chat session;

receive, from the user device, a selection of the user input object; and

responsive to receiving the selection, cause the user device to initiate the customer representative agent chat session.

8. The system of claim 7 , wherein the user input object comprises a button configured for selection within a mobile application.

9. The system of claim 7 , wherein the instructions are further configured to cause the one or more processors to:

cause the user device to display, via the GUI, an indication of a position of a user of the user device in a queue to begin the customer representative agent chat session.

10. The system of claim 7 , wherein the customer representative agent chat session comprises a live chat session.

11. The system of claim 7 , wherein the input data comprises an indication of an action to take with respect to an account or a policy of a user.

12. The system of claim 7 , wherein the input data is received via a text box within the GUI.

13. A system comprising:

one or more processors; and

a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the one or more processors to:

monitor user activity associated with a user device;

responsive to monitoring the user activity, cause the user device to display, via a graphical user interface (GUI), one or more user input objects respectively associated with one or more communication sessions;

receive, from the user device, a selection of a first user input object of the one or more user input objects, the selection indicating a preference to initiate a first communication session of the one or more communication sessions; and

cause the user device to initiate the first communication session.

14. The system of claim 13 , wherein the user activity is monitored via a virtual chat session.

15. The system of claim 14 , wherein the user activity is monitored via a text box within the virtual chat session.

16. The system of claim 14 , wherein the first user input object comprises a button configured for selection within the virtual chat session.

17. The system of claim 13 , wherein the instructions are further configured to cause the one or more processors to:

cause the user device to provide an indication of a wait time to begin communicating via the first communication session.

18. The system of claim 13 , wherein the user activity comprises an indication of an action to take with respect to an account or a policy of a user.

19. The system of claim 18 , wherein the action comprises cancelling the account or the policy.

20. The system of claim 13 , wherein the first communication session comprises a live chat session.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Apr 6, 2025
From: KARP, SCOTT; KAUSHIK, DEEPAK
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 070748/0122 →
Continuity (7)
Continuation 18784162 · Jul 25, 2024
Continuation 18422263 · Jan 25, 2024
Continuation 18349467 · Jul 10, 2023
Continuation 17340348 · Jun 7, 2021
Continuation 16828996 · Mar 25, 2020
Continuation 16419964 · May 22, 2019
Related Publication 20250227180A1 · Jul 10, 2025
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