Interactive Communication Session for Financial Document Inquiry

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Solution Overview

Problem

Individuals face challenges in managing various documents related to financial agreements, such as credit cards, savings accounts, and loans, due to the complexity and difficulty in finding or understanding the required information within these documents.

Innovation Solution

A method and system for establishing an interactive communication session by converting text-based content items into mark-up versions, allowing users to pose interrogatories that are analyzed to provide answers, with the system capable of augmenting the content item on a display to highlight the answers.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of time

If users manually review and analyze document content to find required information, then information accuracy is maintained, but time consumption and operational difficulty increase significantly

Engineering Contradiction:
Improvetime consumptionVSAvoidoperational difficulty
Core Design Contradiction:
Loss of timeVSEase of operation

Solution Approach 1:

The system enables documents to self-analyze user questions and automatically generate answers. The document processing system acts autonomously to interpret user interrogatories, locate relevant information, and formulate responses without requiring manual document review, thereby reducing time consumption while maintaining ease of operation.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The patent replaces the mechanical process of manual document review with an automated computational system. The system uses digital text processing, pattern matching, and information retrieval algorithms to substitute human cognitive effort, significantly reducing time consumption while improving operational ease through automated interactions.

Inventive Principle:
Principle #28Mechanics substitution (Replace mechanical system)

2Measurement precision

If document information is presented in complex legal or technical language, then precision of information is maintained, but understanding and accessibility deteriorate

Engineering Contradiction:
Improveinformation precisionVSAvoidunderstandability
Core Design Contradiction:
Measurement precisionVSEase of operation

Solution Approach 1:

The system introduces an intermediary processing layer between the original document and the user. This intermediary automatically interprets complex document language, identifies relevant information in response to user questions, and presents it in an accessible format, thereby maintaining information precision while improving understandability without requiring users to directly interpret complex terminology.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Reliability

If users must maintain working knowledge of multiple agreement requirements, then information accuracy is ensured, but complexity of management increases

Engineering Contradiction:
Improveinformation reliabilityVSAvoidmanagement complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The system enables users to obtain reliable information on-demand without requiring them to maintain working knowledge of multiple agreements. The document processing system autonomously retrieves accurate information from the relevant documents and presents it in response to specific user questions, ensuring reliability while eliminating the complexity of managing knowledge across multiple agreements.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS20250124214A1System and method for establishing an interactive communication session
Publication Date: 2025.04.17 CAPITAL ONE SERVICES LLC
  • US20250124214A1 patent drawing
  • US20250124214A1 patent drawing
  • US20250124214A1 patent drawing

AI summary

A system and method of establishing a communication session is disclosed herein. A computing system receives, from a client device, a content item comprising text-based content. The computing system generates a mark-up version of the content item by identifying one or more characters in the text-based content and a relative location of the one or more characters in the content item. The computing system receives, from the client device, an interrogatory related to the content item. The computing system analyzes the mark-up version of the content item to identify an answer to the interrogatory. The computing system generates a response message comprising the identified answer to the interrogatory. The computing system transmits the response message to the client device.