Dual-AI Financial Recommendation Assistant for Adaptive Interfaces

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Solution Overview

Problem

Existing financial recommendation systems fail to integrate user-specific interface design effectiveness and financial workflow optimization, lacking adaptive code generation algorithms that unify user experiences across different interfaces and devices, and do not leverage user behavior data for personalized recommendations.

Innovation Solution

A computer system utilizing two AI models, a generative code effectiveness learning model and a goal-oriented financial transaction optimization network, communicates and mutually updates to generate personalized recommendations across various interfaces, optimizing user interface effectiveness and transaction strategies based on user behavior and financial goals.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If traditional financial recommendation systems are used, then financial advice is provided, but user-specific interface design effectiveness is not optimized

Engineering Contradiction:
Improveinterface effectivenessVSAvoidsystem architecture
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system is divided into two separate AI models: a code effectiveness learning model that optimizes UI presentation and a transaction optimization model that handles financial advice. This segmentation allows each model to specialize in its domain while reducing overall system complexity through modular design.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

A mapping module serves as an intermediary between the two AI models, enabling them to communicate and share constraints without direct integration. This mediator allows the models to learn from each other's constraints while maintaining independent optimization processes.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Adaptability or versatility

If adaptive code generation algorithms are implemented, then personalized recommendations are achieved, but implementation cost increases

Engineering Contradiction:
Improvepersonalization capabilityVSAvoidimplementation cost
Core Design Contradiction:
Adaptability or versatilityVSEase of manufacture

Solution Approach 1:

The system employs self-learning AI models that automatically improve their performance through continuous interaction with user data. The models self-optimize without requiring manual programming or expensive custom development, reducing implementation and maintenance costs while enhancing personalization capabilities.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The AI models dynamically adjust their parameters based on learned user preferences and behaviors. This automatic parameter optimization enables personalized recommendations without requiring custom-coded solutions for each user, reducing implementation complexity and cost.

Inventive Principle:
Principle #35Parameter changes

3Measurement precision

If user behavior data is continuously collected, then personalized recommendations improve, but data privacy concerns increase

Engineering Contradiction:
Improverecommendation accuracyVSAvoidprivacy risk
Core Design Contradiction:
Measurement precisionVSObject-affected harmful factors

Solution Approach 1:

The mapping module acts as a privacy-protecting intermediary that enables constraint sharing between models without requiring direct access to sensitive user data. This architecture allows personalized recommendations to be generated while minimizing exposure of private information.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system uses feedback from user interactions to continuously improve recommendation accuracy through the AI models' learning capabilities. This automated feedback mechanism reduces the need for extensive data collection, as the models learn efficiently from incremental user responses.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS12450487B2Artificial intelligence-based personalized financial recommendation assistant system and method
Publication Date: 2025.10.21 10353744 CANADA LTD
  • US12450487B2 patent drawing
  • US12450487B2 patent drawing
  • US12450487B2 patent drawing

AI summary

Provided are a computer system and method for generating and providing intelligent recommendations using artificial intelligence (“AI”). The system includes a memory for storing user feedback data, user resource data, and user goal data, and a processor in communication with the memory. The processor is configured to execute a first AI model for user interface (“UI”) effectiveness optimization, a second AI model for transaction optimization, a model mapping module configured to implement a functional mapping between the first AI model and the second AI model through which the first AI model and second AI model communicate and mutually update each other, and a user interface generator module for generating a user interface for outputting the intelligent recommendations and receiving the user feedback data.