Bidirectional Personal Finance Assistant With Style-Aware Storytelling

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Solution Overview

Problem

Existing virtual assistant applications lack the ability to provide bi-directional storytelling style instructions, failing to customize responses to match user intent and style effectively, leading to less engaging and less accurate customer service interactions.

Innovation Solution

A virtual assistant application utilizing machine learning to analyze user inputs for style and intent, generating personalized, empathetic, and non-judgmental responses through a customizable avatar that provides tailored actions in a storytelling format, dynamically updated based on user interactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of manufacture

If traditional automated chat platforms are used, then cost-effective customer service is provided, but the ability to provide personalized and empathetic interactions is lacking

Engineering Contradiction:
Improvecost-effectivenessVSAvoidpersonalization capability
Core Design Contradiction:
Ease of manufactureVSAdaptability or versatility

Solution Approach 1:

The system changes the parameters of the chatbot by integrating machine learning models that analyze user inputs for style and intent, transforming a static response system into a dynamic one that adapts its communication style, tone, and content based on user characteristics

Inventive Principle:
Principle #35Parameter changes

Solution Approach 2:

The chatbot performs self-learning and self-adjustment by automatically analyzing user inputs and generating personalized responses without human intervention, using machine learning algorithms to continuously improve its interaction quality

Inventive Principle:
Principle #25Self-service

2Ease of operation

If virtual assistants emulate live conversations, then conversational experience is improved, but the ability to provide bi-directional storytelling instructions is lacking

Engineering Contradiction:
Improveconversational experienceVSAvoidstorytelling capability
Core Design Contradiction:
Ease of operationVSAdaptability or versatility

Solution Approach 1:

The system implements dynamic storytelling by generating narratives that adapt in real-time based on user inputs, allowing the story to evolve bidirectionally with user participation rather than following a fixed script

Inventive Principle:
Principle #15Dynamics

Solution Approach 2:

The virtual assistant combines multiple functions including conversation emulation, storytelling generation, user intent analysis, and style matching into a single unified system that can perform all these tasks seamlessly

Inventive Principle:
Principle #6Universality (Multi-functionality)

3Adaptability or versatility

If machine learning models are integrated, then personalized responses are generated, but computational complexity increases

Engineering Contradiction:
Improveresponse personalizationVSAvoidcomputational complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system segments the machine learning processing into distinct modules: one for style analysis, another for intent detection, and a third for response generation, allowing each component to be optimized independently and processed efficiently

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS20250328729A1Bidirectional personal financial story creator
Publication Date: 2025.10.23 WELLS FARGO BANK NA
  • US20250328729A1 patent drawing
  • US20250328729A1 patent drawing
  • US20250328729A1 patent drawing

AI summary

The present disclosure generally relates to techniques for implementing a virtual assistant application using machine learning. The systems and methods can receive an input from a user. The input can be associated with a problem to be solved. Using a machine learning model, the systems and methods can determine a style and an intent of the user based on the input, determine extracted data that includes information corresponding to the style and intent, predict a desired result based on the extracted data, and generate a set of actions. The set of actions can be based in part on the style of the user and the intent of the user. Each action in the set of actions can correspond to a step that the user can take to accomplish the desired result. The systems and methods can output a signal associated with a representation of the set of actions.