Neural Term Sheet Generation via Dynamic Templates

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Solution Overview

Problem

Current automatic approaches for generating term sheets are rule-based, lacking flexibility and resulting in high costs for manual review, potential errors, and maintenance challenges, with minor changes often breaking the process.

Innovation Solution

The use of neural information retrieval systems that receive natural language descriptions, tokenize them, and apply dynamic templates to generate semi-structured term sheets, reducing the need for manual review and improving accuracy through machine learning techniques.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Extent of automation

If rule-based techniques are used for term sheet generation, then automation is achieved, but flexibility and reliability deteriorate

Engineering Contradiction:
Improveautomation of term sheet generationVSAvoidreliability of term sheet generation
Core Design Contradiction:
Extent of automationVSReliability

Solution Approach 1:

The patent replaces rule-based mechanical systems with neural network-based semantic analysis systems. The neural networks analyze the semantic meaning of input text and generate term sheets based on understood context rather than rigid keyword matching, thereby maintaining automation while significantly improving reliability and flexibility.

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

Solution Approach 2:

The system changes the operational parameters from fixed rule-based thresholds to dynamic neural network probability scores. This allows the system to adapt to varying input qualities and complexities, maintaining high reliability across different scenarios while preserving full automation.

Inventive Principle:
Principle #35Parameter changes

2Extent of automation

If rule-based techniques are used for term sheet generation, then automation is achieved, but manual review costs increase

Engineering Contradiction:
Improveautomation of term sheet generationVSAvoidmanual review costs
Core Design Contradiction:
Extent of automationVSLoss of energy

Solution Approach 1:

By substituting rule-based processing with neural network-based semantic understanding, the system generates higher quality term sheets that require minimal or no manual review, thereby reducing the labor energy expended on verification and correction while maintaining full automation.

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

Solution Approach 2:

The neural network system performs self-correction and self-verification through its probabilistic reasoning capabilities, reducing the need for external manual review. The system serves itself by automatically identifying and resolving ambiguities in the input, thereby minimizing manual intervention costs.

Inventive Principle:
Principle #25Self-service

3Extent of automation

If rule-based techniques are used for term sheet generation, then automation is achieved, but error rates increase

Engineering Contradiction:
Improveautomation of term sheet generationVSAvoidbugs and mistakes in term sheets
Core Design Contradiction:
Extent of automationVSObject-generated harmful factors

Solution Approach 1:

The patent replaces brittle rule-based systems with robust neural network systems that can handle semantic ambiguity and variations in input language. This substitution dramatically reduces errors and bugs by understanding the intent behind the input rather than relying on rigid pattern matching that easily breaks with minor input variations.

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

Solution Approach 2:

The neural network system inherently provides cushioning against errors by probabilistically evaluating multiple interpretations of ambiguous input and selecting the most likely correct interpretation. This prior cushioning prevents errors before they occur rather than requiring post-generation correction.

Inventive Principle:
Principle #11Beforehand cushioning (Prior cushioning)

4Extent of automation

If rule-based techniques are used for term sheet generation, then automation is achieved, but adaptability to changes deteriorates

Engineering Contradiction:
Improveautomation of term sheet generationVSAvoidadaptability to formatting and style changes
Core Design Contradiction:
Extent of automationVSAdaptability or versatility

Solution Approach 1:

The patent replaces rigid rule-based systems with flexible neural network systems that can adapt to different formatting styles and terminology conventions. The neural networks learn patterns from training data and can generalize to new styles and formats without requiring manual rule updates, thereby maintaining automation while achieving high adaptability.

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

Solution Approach 2:

The system transitions from static rule-based processing to dynamic neural network processing that can adapt its behavior based on the specific characteristics of each input. This allows the automated system to flexibly accommodate changes in formatting, style, and content requirements without breaking the generation process.

Inventive Principle:
Principle #15Dynamics

5Extent of automation

If rule-based techniques are used for term sheet generation, then automation is achieved, but maintenance complexity increases

Engineering Contradiction:
Improveautomation of term sheet generationVSAvoidcomplexity of maintaining and updating rules
Core Design Contradiction:
Extent of automationVSDevice complexity

Solution Approach 1:

The patent replaces complex rule-based systems that are difficult to maintain with neural network systems that learn from data. Instead of manually updating and debugging rules, the neural networks are trained on example term sheets and automatically adapt to new requirements, significantly reducing maintenance complexity while preserving automation.

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

Solution Approach 2:

The neural network system performs self-updating through continuous learning from new examples and feedback. Rather than requiring manual intervention to update rules for each change, the system automatically adapts its parameters and weights, effectively servicing itself and reducing the burden of maintenance on human operators.

Inventive Principle:
Principle #25Self-service

Data Source

PatentUS20250021763A1Systems and methods for generating semi-structured term sheets using neural information retrieval
Publication Date: 2025.01.16 JPMORGAN CHASE BANK NA
  • US20250021763A1 patent drawing
  • US20250021763A1 patent drawing
  • US20250021763A1 patent drawing

AI summary

Systems and methods are disclosed for generating a semi-structured term sheet. According to some embodiments, the systems and methods include receiving a brief description of a term sheet in a natural language format from a user interface connected to the electronic device; tokenizing the brief description to create a plurality of numerical values for a content of the brief description; using a large language model to retrieve information relevant to the brief description based on the tokenization; selecting a dynamic template database to the information retrieved by the large language model based on the retrieved information; querying the dynamic template database using the retrieved information to extract a term; and outputting the terms in a determined format based on the dynamic template database.