AI/ML Communication Engine for Proactive Training and Fraud Detection

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Current chatbots are limited in their ability to deliver bespoke training materials and detect malicious activities during user interactions, failing to predict user needs and respond proactively.

Innovation Solution

An AI/ML communication engine monitors user interactions, determines fraudulent activity, and provides proactive training by analyzing user habits and historical data to deliver information and training materials before they are requested.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If current chatbots are used for user interaction, then basic communication is achieved, but the ability to deliver bespoke training materials and detect malicious activities is limited

Engineering Contradiction:

Improveability to deliver bespoke training materials and detect malicious activitiesVSAvoiddetection of fraudulent activity

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The system continuously monitors user interactions and provides real-time feedback by analyzing interaction patterns, delivering training materials when users need help, and detecting fraudulent activities through pattern recognition. The AI/ML engine learns from ongoing interactions to improve its detection and training capabilities.

Inventive Principle:

Principle #23Feedback

Solution Approach 2:

The chatbot system automatically delivers bespoke training materials and detects malicious activities without requiring external intervention. The AI/ML engine autonomously analyzes user behavior, determines when training is needed, and provides appropriate responses or alerts.

Inventive Principle:

Principle #25Self-service

2Ease of operation

If proactive communication is implemented to predict user needs, then user experience is improved, but system complexity increases

Engineering Contradiction:

Improveuser experienceVSAvoidsystem complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The system performs preliminary actions by predicting user needs before they are explicitly stated. The AI/ML engine analyzes interaction patterns to anticipate when users will need help or training materials, and proactively provides these resources during the interaction.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system changes its response parameters dynamically based on analyzed user behavior. The AI/ML engine adjusts the type, timing, and content of communications based on detected interaction patterns, user needs, and contextual factors.

Inventive Principle:

Principle #35Parameter changes

Data Source

PatentUS12430574B2Apparatus and methods for proactive communication

Publication Date: 2025.09.30 BANK OF AMERICA CORP

AI summary

Apparatus and methods for proactively and preemptively communicating with a user interacting with a software application are provided. The apparatus and methods may include an artificial intelligence/machine learning communication engine monitoring and tracking a user's interactions. The apparatus and methods may include the communication engine determining if the user requires further training, if the interaction is fraudulent, and pre-empting requests for information the user may commence. The apparatus and methods may include the communication engine creating and displaying training materials for the user to complete, revoking access if fraud is present, and proactively providing information before the user requests the information.