Machine-Learning Ranking of Provider Responses for User-Specific Data

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Solution Overview

Problem

Existing online interaction models fail to provide user-specific responses efficiently, requiring users to expend significant effort in seeking and evaluating options, especially for complex items like vehicles or properties, while lacking assurance of optimal selection and exposing user data to risks.

Innovation Solution

A machine-learning model trained on historical interactions is used to evaluate and rank responses from providers based on user-specific data, including prequalification and interaction parameters, to identify optimal options and present them to users.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Quantity of substance

If users seek out and compare options online themselves, then they can see more options, but they must exert significantly more effort and see little practical gain in convenience

Engineering Contradiction:
Improvenumber of optionsVSAvoiduser effort
Core Design Contradiction:
Quantity of substanceVSEase of operation

Solution Approach 1:

The system enables providers to automatically generate and customize responses based on user-specific data without requiring users to manually search or compare options. The machine-learning model autonomously processes user preferences, prequalification data, and interaction history to produce tailored recommendations, allowing the system to serve itself rather than requiring users to exert effort in seeking out options.

Inventive Principle:
Principle #25Self-service

Solution Approach 2:

The machine-learning model acts as an intermediary between users and providers, automatically translating user-specific data into customized responses. This intermediary layer processes user preferences, prequalification data, and interaction history to generate appropriate provider responses, eliminating the need for users to directly compare multiple options while maintaining personalized service quality.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Adaptability or versatility

If users manually seek out and evaluate options, then they can compare providers, but they have less assurance that they are selecting the best option

Engineering Contradiction:
Improveoption comparison capabilityVSAvoidassurance of optimal selection
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The system incorporates feedback loops where provider responses are evaluated against user-specific data and historical interactions to determine optimality. The machine-learning model continuously learns from interaction patterns and adjusts its recommendations, providing users with confidence that the selected option is truly optimal based on their unique preferences and circumstances.

Inventive Principle:
Principle #23Feedback

Solution Approach 2:

The manual mechanical process of users evaluating and comparing options is replaced by an automated machine-learning system that processes user-specific data and historical interactions to determine optimal responses. This substitution eliminates human bias and limitation in evaluation while maintaining adaptability to individual user needs through intelligent algorithms.

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

3Adaptability or versatility

If user data is transmitted to multiple providers for personalized responses, then responses can be tailored to user needs, but user data is exposed to increased security risks

Engineering Contradiction:
Improveuser-specific customizationVSAvoiddata exposure risk
Core Design Contradiction:
Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The machine-learning model serves as a secure intermediary that processes user-specific data locally or through encrypted channels before generating provider responses. This intermediary layer minimizes the exposure of sensitive user information to multiple providers while still enabling personalized customization through intelligent processing of user preferences and historical data.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The system applies local quality processing by customizing responses based on specific user characteristics and preferences without requiring transmission of complete user data profiles to all providers. Personalization is achieved through targeted processing of relevant user attributes near the point of need, reducing overall data exposure surface while maintaining adaptability.

Inventive Principle:
Principle #3Local quality

4Productivity

If a machine-learning model is used to evaluate and rank responses, then optimal options can be identified efficiently, but the system complexity increases

Engineering Contradiction:
Improveresponse evaluation efficiencyVSAvoidsystem complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The machine-learning model is pre-trained on historical interaction data and user preferences before actual use, performing the complex evaluation and ranking logic in advance. This preliminary action allows the system to efficiently evaluate new responses without requiring complex real-time processing, as the model's decision-making framework is already established through prior training on patterns and optimal outcomes.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS20250315440A1Systems and methods for correlating responses to user-specific data
Publication Date: 2025.10.09 CAPITAL ONE SERVICES LLC
  • US20250315440A1 patent drawing
  • US20250315440A1 patent drawing
  • US20250315440A1 patent drawing

AI summary

A technique for correlating responses to user-specific data may include obtaining user-specific data having an item parameter and an interaction parameter set by the user; generating a user-specific score based on prequalification and interaction data; generating a classification of the user based on the score; identifying entities providing an item corresponding to the parameter; transmitting at least a portion of the user-specific data and the classification of the user to the plurality of entities; receiving responses from the plurality of entities, each response including parameters for a proposed interaction with the user in which at least one parameter is responsive to the user-specific data; determining an optimal response by inputting the user-specific data and the responses into a machine-learning model trained on historical interactions between users and entities; and causing a user interface of a user device to display a visual indication of the optimal response.