CHATBOT TO ASSIST IN VEHICLE SHOPPING
Methods for systems generating recommendations regarding a vehicle purchase are disclosed. An artificial intelligence (AI) or machine learning (ML) chatbot or voicebot is provided to receive input from a user, determine information regarding a type of vehicle based upon the input, and generate a total cost of ownership of the type of vehicle for presentation to the user. The chatbot may apply a natural language processing (NLP) algorithm to a text input to generate an intermediate input for use in determining the total cost of ownership. The voicebot may apply an audio recognition algorithm to an audio input to generate text, which may then be processed by the voicebot or the chatbot using an NLP algorithm to generate an intermediate input for use in determining the total cost of ownership.
1 . A computer-implemented method for generating recommendations regarding vehicle purchases via a conversational artificial intelligence (AI) agent implemented by one or more processors, the method comprising:
initiating, via the conversational AI agent, a session associated with a user of a computing device;
receiving, via the conversational AI agent, input indicating a potential purchase of a vehicle by the user;
determining, via the conversational AI agent, a personalized insurance cost for the user insuring the vehicle based upon information regarding the user and vehicle information regarding the vehicle;
determining, via the conversational AI agent, information regarding ownership of the vehicle based upon a type of the vehicle and the personalized insurance cost; and
causing, via the conversational AI agent, the information regarding ownership of the vehicle to be presented to the user via the computing device.
2 . The computer-implemented method of claim 1 , wherein the input comprises a representation of text or audio data received from the user via the computing device, and further comprising:
applying, via the conversational AI agent, a natural language processing (NLP) algorithm to the representation of the text or audio data to generate a transformed representation of the data indicating user intent; and
determining, via the conversational AI agent, the potential purchase of the vehicle by the user based upon the transformed representation of the data.
3 . The computer-implemented method of claim 1 , wherein the information regarding ownership of the vehicle comprises a total cost of ownership of the vehicle, including a distribution of the total cost across a plurality of time periods.
4 . The computer-implemented method of claim 1 , wherein the vehicle information regarding the vehicle comprises a plurality of the following: a vehicle make, a vehicle model, a vehicle year of manufacture, a number of miles, a number of accidents, any body damage to the vehicle, any interior damage to the vehicle, any accessories installed in the vehicle, special vehicle features, or any after-market components installed on the vehicle.
5 . The computer-implemented method of claim 1 , wherein the information regarding ownership of the vehicle comprises a total cost of ownership of the vehicle, including the personalized insurance cost and one or more of the following: (i) a cost of an initial vehicle purchase, (ii) taxes for the initial vehicle purchase, (iii) yearly taxes, (iv) yearly maintenance costs, (v) yearly fuel costs, (vi) yearly insurance premium costs, and (vii) a financing cost associated with the initial vehicle purchase.
6 . The computer-implemented method of claim 1 , further comprising:
determining, via the conversational AI agent, the personalized insurance cost by determining yearly insurance premium costs based upon a type of the vehicle and a user risk assessment based upon at least a number of miles driven per year by the user, a total number of accidents for the vehicle resulting in insurance claims for the user, and a number of speeding tickets for the user.
7 . The computer-implemented method of claim 1 , wherein the conversational AI agent comprises a chatbot.
8 . The computer-implemented method of claim 1 , wherein the conversational AI agent comprises a generative pre-trained transformer (GPT).
9 . A computer system for generating recommendations regarding vehicle purchases via a conversational artificial intelligence (AI) agent, the computer system comprising:
one or more processors; and
one or more memories storing computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to implement the conversational AI agent to:
initiate a session associated with a user of a computing device;
receive input indicating a potential purchase of a vehicle by the user;
determine a personalized insurance cost for the user insuring the vehicle based upon information regarding the user and vehicle information regarding the vehicle;
determine information regarding ownership of the vehicle based upon a type of the vehicle and the personalized insurance cost; and
cause the information regarding ownership of the vehicle to be presented to the user via the computing device.
10 . The computer system of claim 9 , wherein:
the input comprises a representation of text or audio data received from the user via the computing device; and
the computer-executable instructions further cause the one or more processors to implement the conversational AI agent to:
apply a natural language processing (NLP) algorithm to the representation of the text or audio data to generate a transformed representation of the data indicating user intent; and
determine the potential purchase of the vehicle by the user based upon the transformed representation of the data.
11 . The computer system of claim 9 , wherein the conversational AI agent comprises a chatbot.
12 . The computer system of claim 9 , wherein the conversational AI agent comprises a generative pre-trained transformer (GPT).
13 . A non-transitory computer-readable medium storing computer-executable instructions for generating recommendations regarding vehicle purchases that, when executed by one or more processors, cause the one or more processors to implement a conversational artificial intelligence (AI) agent to:
initiate a session associated with a user of a computing device;
receive input indicating a potential purchase of a vehicle by the user;
determine a personalized insurance cost for the user insuring the vehicle based upon information regarding the user and vehicle information regarding the vehicle;
determine information regarding ownership of the vehicle based upon a type of the vehicle and the personalized insurance cost; and
cause the information regarding ownership of the vehicle to be presented to the user via the computing device.
14 . The non-transitory computer-readable medium of claim 13 , wherein:
the input comprises a representation of text or audio data received from the user via the computing device; and
the computer-executable instructions further cause the one or more processors to implement the conversational AI agent to:
apply a natural language processing (NLP) algorithm to the representation of the text or audio data to generate a transformed representation of the data indicating user intent; and
determine the potential purchase of the vehicle by the user based upon the transformed representation of the data.
15 . The non-transitory computer-readable medium of claim 13 , wherein the information regarding ownership of the vehicle comprises a total cost of ownership of the vehicle, including a distribution of the total cost across a plurality of time periods.
16 . The non-transitory computer-readable medium of claim 13 , wherein the vehicle information regarding the vehicle comprises a plurality of the following: a vehicle make, a vehicle model, a vehicle year of manufacture, a number of miles, a number of accidents, any body damage to the vehicle, any interior damage to the vehicle, any accessories installed in the vehicle, special vehicle features, or any after-market components installed on the vehicle.
17 . The non-transitory computer-readable medium of claim 13 , wherein the information regarding ownership of the vehicle comprises a total cost of ownership of the vehicle, including the personalized insurance cost and one or more of the following: (i) a cost of an initial vehicle purchase, (ii) taxes for the initial vehicle purchase, (iii) yearly taxes, (iv) yearly maintenance costs, (v) yearly fuel costs, (vi) yearly insurance premium costs, and (vii) a financing cost associated with the initial vehicle purchase.
18 . The non-transitory computer-readable medium of claim 13 , wherein the computer-executable instructions further cause the one or more processors to implement the conversational AI agent to:
determine the personalized insurance cost by determining yearly insurance premium costs based upon a type of the vehicle and a user risk assessment based upon at least a number of miles driven per year by the user, a total number of accidents for the vehicle resulting in insurance claims for the user, and a number of speeding tickets for the user.
19 . The non-transitory computer-readable medium of claim 13 , wherein the conversational AI agent comprises a chatbot.
20 . The non-transitory computer-readable medium of claim 13 , wherein the conversational AI agent comprises a generative pre-trained transformer (GPT).