Machine-Learning Complaint Classification for Equitable Compensation Decisions

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Solution Overview

Problem

Existing systems for handling user complaints lack consistency and accuracy in determining when and how to provide compensation, often leading to human error and inequitable treatment of users.

Innovation Solution

A service provider computing system that utilizes a supervised machine-learning predictive model to analyze complaint logs, identify key terms, and generate predictions on whether compensation should be provided based on the resolution comments, using natural language processing to improve consistency and fairness.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If compensation decisions are left to service representative discretion, then flexibility in handling complaints is improved, but consistency and accuracy of compensation decisions deteriorate

Engineering Contradiction:
Improveflexibility in handling complaintsVSAvoidconsistency and accuracy of compensation decisions
Core Design Contradiction:
Ease of operationVSMeasurement precision

Solution Approach 1:

The patent introduces a machine learning model as an intermediary between service representatives and compensation decisions. The model analyzes complaint logs, resolution comments, and historical data to generate compensation recommendations, serving as a mediator that provides consistent guidance while representatives retain final decision authority. This resolves the contradiction by maintaining operational flexibility while improving decision consistency through the intermediary system.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system implements feedback mechanisms where compensation decisions and their outcomes are continuously fed back into the training data for the machine learning model. This creates a closed-loop system where past decisions improve future recommendations, enhancing consistency and accuracy over time while preserving representative discretion. The feedback loop ensures that the system learns from historical patterns while maintaining flexibility in individual case handling.

Inventive Principle:
Principle #23Feedback

2Adaptability or versatility

If human representatives handle compensation decisions manually, then adaptability to individual cases is improved, but human error and inequitable treatment increase

Engineering Contradiction:
Improveadaptability to individual casesVSAvoidhuman error and inequitable treatment
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The patent replaces the mechanical human decision-making process with a machine learning-based system that processes complaint data, identifies patterns, and generates compensation recommendations. This substitution reduces human error and inequitable treatment while maintaining adaptability through the model's ability to learn from diverse historical cases and apply lessons to individual situations.

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

Solution Approach 2:

The system changes the parameters of the decision-making process by transitioning from purely human judgment to a hybrid approach where machine learning models analyze multiple data parameters (complaint text, resolution comments, historical compensation data, user behavior patterns) to generate recommendations. This parameter expansion improves reliability by considering more factors systematically while preserving adaptability through flexible weighting and threshold adjustments.

Inventive Principle:
Principle #35Parameter changes

3Measurement precision

If a machine-learning model is implemented to automate compensation predictions, then consistency and accuracy of decisions are improved, but system complexity increases

Engineering Contradiction:
Improveconsistency and accuracy of compensation decisionsVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The patent segments the compensation decision system into distinct functional modules: data collection module, machine learning model training module, prediction generation module, and decision support interface. This segmentation manages complexity by dividing the system into manageable components with clear interfaces, allowing the sophisticated ML model to be integrated without overwhelming system complexity. Each module can be developed, tested, and maintained independently.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The machine learning model performs self-training and self-optimization by automatically learning from historical complaint and compensation data. The system requires minimal manual configuration and automatically adapts to new patterns in the data, reducing the operational complexity despite the advanced algorithms involved. The model serves itself by continuously improving its predictions based on accumulated experience.

Inventive Principle:
Principle #25Self-service

4Productivity

If compensation decisions are made without systematic analysis, then processing speed is improved, but accuracy and equity of outcomes deteriorate

Engineering Contradiction:
Improveprocessing speed of compensation decisionsVSAvoidaccuracy and equity of outcomes
Core Design Contradiction:
ProductivityVSMeasurement precision

Solution Approach 1:

The system performs preliminary analysis by pre-processing complaint logs, extracting key features, and generating initial compensation recommendations before final decisions are made. This preliminary action includes training the machine learning model on historical data in advance, so that when actual compensation decisions are needed, the system can quickly apply pre-learned patterns rather than analyzing each case from scratch, thus maintaining both speed and accuracy.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20250265596A1Machine-learning predictive models for classifying responses to and outcomes of end-user communications
Publication Date: 2025.08.21 WELLS FARGO BANK NA
  • US20250265596A1 patent drawing
  • US20250265596A1 patent drawing
  • US20250265596A1 patent drawing

AI summary

A service provider computing system includes memory having stored thereon instructions that, when executed by one or more processors, cause the one or more processors to obtain a first set of complaint logs corresponding to one or more user complaints, each complaint log including a resolution comments field providing a textual representation of a resolution for a corresponding complaint log, parse the resolution comments field of each complaint log of the first set of complaint logs to identify one or more key terms, and execute a machine-learning predictive model using the one or more key terms to generate, for each complaint log, a prediction indicating whether a corresponding complaint should have compensation, the machine-learning predictive model being a supervised machine learning model configured to accept the parsed resolution comments field for the first set of complaint logs as inputs and to output the prediction for each complaint log.