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US6782375B2 Expired / Lapsed US ⏱️ 0.0 years remaining

Neural network based decision processor and method

Assignee: JPMorgan Chase Bank NA
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Filing: 2001-01-16
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Granted: 2004-08-24
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Expires: 2021-01-16
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Abstract

Abstract A computer network-based customer acquisition server and method of selecting preferred products includes using a neural network-based decision engine that automatically generate queries and select preferred products as a function of responses to the queries.

Inventors

  • 👤 Eiman Abdel-Moneim
  • 👤 Anas Osman
  • 👤 Azhar M. Usman
  • 👤 Michael T. Mosier

Bibliographic Details

Application Number —
Jurisdiction US
Data Source google_patents
Last Synchronized 2026-10-23 19:19
CPC Classifications
G; G06; G06N; G06N3/00; G06N3/02

Claims Analysis

Total Claims: 57
Claim 1
Independent Claim 114 words
A method of selecting a preferred product from a list that includes a plurality of products, the method comprising: (a) presenting a sequence of queries to a user, the user responding to each query in sequence with a corresponding response; (b) in response to a user response to a query in the sequence, using a neural network to delete at least one product from the list to provide an updated list; (c) in the event that the user does not select a preferred product from the updated list, continuing with the presentation of the sequence of queries to the user; and (d) repeating steps (b) and (c) until the user selects a preferred product.
Claim 2
Independent Claim 114 words
A method of selecting a preferred product from a list that includes a plurality of products, the method comprising: (a) presenting a sequence of queries to a user, the user responding to each query in sequence with a corresponding response; (b) in response to a user response to a query in the sequence, using a neural network to delete at least one product from the list to provide an updated list; (c) in the event that the user does not select a preferred product from the updated list, continuing with the presentation of the sequence of queries to the user; and (d) repeating steps (b) and (c) until the user selects a preferred product.
Claim 3
Independent Claim 118 words
A method of selecting a preferred from a list that includes a plurality of products, the method comprising: (a) providing a first query to a user; (b) in response to a user response to the first query, using a neural network to delete at least one product from the list to provide an updated list; (c) in the event that the user does not select a preferred product from the updated list, presenting a new query to the user and, in response to a user response to the new query, deleting at least one additional product from the updated list to provide a new updated list; and (d) repeating item (c) until the user selects a preferred product.
Claim 4
Independent Claim 118 words
A method of selecting a preferred from a list that includes a plurality of products, the method comprising: (a) providing a first query to a user; (b) in response to a user response to the first query, using a neural network to delete at least one product from the list to provide an updated list; (c) in the event that the user does not select a preferred product from the updated list, presenting a new query to the user and, in response to a user response to the new query, deleting at least one additional product from the updated list to provide a new updated list; and (d) repeating item (c) until the user selects a preferred product.
Claim 5
Dependent Claim 33 words
The method of claim 2 , and wherein the products are selected from a group consisting of banking services, mortgage services, brokerage services, credit card services, insurance services, telecommunications services, and combinations thereof.
Claim 6
Dependent Claim 12 words
The method of claim 2 , and wherein the products comprise services.
Claim 7
Dependent Claim 20 words
The method of claim 2 , and wherein the queries are presented to the user via a network based browser.
Claim 8
Dependent Claim 82 words
A customer acquisition server that dynamically generates an updated list of products from an original list of a plurality of products, comprising: a neural network-based decision engine that iteratively responds to user responses to a sequence of queries provided to a user by, upon receipt of a user response to a query, deleting at least one product from a current list of products to provide the updated list of products until the user selects a preferred product from the list of products.
Claim 9
Dependent Claim 82 words
A customer acquisition server that dynamically generates an updated list of products from an original list of a plurality of products, comprising: a neural network-based decision engine that iteratively responds to user responses to a sequence of queries provided to a user by, upon receipt of a user response to a query, deleting at least one product from a current list of products to provide the updated list of products until the user selects a preferred product from the list of products.
Claim 10
Dependent Claim 14 words
The method of claim 4 , and wherein the services include stock brokerage services.
Claim 11
Dependent Claim 13 words
The method of claim 4 , and wherein the services include banking services.
Claim 12
Dependent Claim 13 words
The method of claim 4 , and wherein the services include insurance services.
Claim 13
Dependent Claim 14 words
The method of claim 5 , and wherein the network is an internet network.
Claim 14
Dependent Claim 14 words
The method of claim 5 , and wherein the network is an intranet network.
Claim 15
Dependent Claim 79 words
A customer acquisition server, comprising: a neural network based decision engine that automatically generates a sequence of a plurality of queries and selects a preferred product as a function of responses to the queries, wherein the decision engine generates subsequent queries as a function of a response to a previous query, and wherein the decision engine selects the preferred product as a function of a number of response that is less than or equal to the plurality of queries.
Claim 16
Dependent Claim 79 words
A customer acquisition server, comprising: a neural network based decision engine that automatically generates a sequence of a plurality of queries and selects a preferred product as a function of responses to the queries, wherein the decision engine generates subsequent queries as a function of a response to a previous query, and wherein the decision engine selects the preferred product as a function of a number of response that is less than or equal to the plurality of queries.
Claim 17
Dependent Claim 26 words
The server of claim 12 , and further comprising: a database operatively connected to the decision engine, wherein the database stores the queries and query correlations.
Claim 18
Dependent Claim 43 words
The server of claim 12 , and wherein the decision engine calculates a confidence level after receiving a response and wherein the decision engine selects a preferred product as a function of the responses received before the confidence level exceeds a confidence threshold.
Claim 19
Dependent Claim 19 words
The server of claim 14 , and wherein the decision engine determines a confidence level after receiving each response.
Claim 20
Dependent Claim 24 words
The server of claim 12 , and wherein the queries include an investor type query that classifies a user by the user's investing preferences.
Claim 21
Dependent Claim 38 words
The server of claim 16 , and wherein the investing preferences is selected from a group consisting of life goal planner, serious investor, hyperactive investor, one-stop shopper, short-term trader, long-term investor, futures trader, options trader, and combinations thereof.
Claim 22
Dependent Claim 24 words
The server of claim 12 , and wherein the queries include a banking type query that classifies a user by the user's banking preferences.
Claim 23
Dependent Claim 24 words
The server of claim 12 , and wherein the queries include an insurance type query that classifies a user by the user's insurance preferences.
Claim 24
Dependent Claim 95 words
A customer acquisition server, comprising: a neural network based decision engine that automatically generates queries and selects a preferred product as a function of responses to the queries, wherein the decision engine generates first and second queries, where the second query is a function of a response to the first query, and wherein the decision engine comprises a plurality of self organizing maps comprising a plurality of memory locations for storing subwords, wherein the memory locations comprises a corresponding link weight, and wherein the decision engine compares a response to a subset of the subwords.
Claim 25
Dependent Claim 95 words
A customer acquisition server, comprising: a neural network based decision engine that automatically generates queries and selects a preferred product as a function of responses to the queries, wherein the decision engine generates first and second queries, where the second query is a function of a response to the first query, and wherein the decision engine comprises a plurality of self organizing maps comprising a plurality of memory locations for storing subwords, wherein the memory locations comprises a corresponding link weight, and wherein the decision engine compares a response to a subset of the subwords.
Claim 26
Dependent Claim 17 words
The server of claim 20 , and further comprising: a training module for training the decision engine.
Claim 27
Dependent Claim 18 words
The server of claim 21 , and wherein the training module allows iterative training of the decision engine.
Claim 28
Dependent Claim 17 words
The server of claim 20 , and wherein the decision engine generates the queries using stochastic modulation.
Claim 29
Dependent Claim 24 words
The server of claim 20 , and further comprising: a retraining module that adjusts links between memory locations as a function of a response.
Claim 30
Dependent Claim 28 words
The server of claim 24 , and wherein the response being responsive to a query relating to the accuracy of the neural network in selecting the preferred product.
Claim 31
Dependent Claim 22 words
The server of claim 14 , and further comprising: a retraining module that adjusts a correlation as a function of a response.
Claim 32
Dependent Claim 24 words
The server of claim 26 , and wherein the retraining module adjusts a correlation as a function of an activity with the preferred product.
Claim 33
Dependent Claim 20 words
The server of claim 26 , and wherein the retraining module adjusts a correlation as a function of vendor input.
Claim 34
Dependent Claim 17 words
The server of claim 28 , and wherein the vendor is a vendor of stock brokerage services.
Claim 35
Dependent Claim 16 words
The server of claim 28 , and wherein the vendor is a vendor of banking services.
Claim 36
Dependent Claim 16 words
The server of claim 28 , and wherein the vendor is a vendor of insurance services.
Claim 37
Independent Claim 88 words
A method of automatically selecting a preferred product from a list of products, the method comprising: generating a plurality of queries, and automatically selecting a preferred product from the list of products using a neural network decision engine to analyze responses to the queries, wherein the decision engine automatically generates first and second queries, where the second query is a function of a response to the first query, and wherein the decision engine selects the preferred product is a function of fewer responses than the plurality of queries.
Claim 38
Independent Claim 88 words
A method of automatically selecting a preferred product from a list of products, the method comprising: generating a plurality of queries, and automatically selecting a preferred product from the list of products using a neural network decision engine to analyze responses to the queries, wherein the decision engine automatically generates first and second queries, where the second query is a function of a response to the first query, and wherein the decision engine selects the preferred product is a function of fewer responses than the plurality of queries.
Claim 39
Dependent Claim 20 words
The method of claim 32 , and further comprising: presenting the queries to a user via a network based browser.
Claim 40
Dependent Claim 14 words
The method of claim 33 , and wherein the network is an internet network.
Claim 41
Dependent Claim 14 words
The method of claim 33 , and wherein the network is an intranet network.
Claim 42
Dependent Claim 19 words
The method of claim 32 , and wherein the step of generating queries comprises generating queries using stochastic modulation.
Claim 43
Dependent Claim 33 words
The method of claim 32 , and wherein the step of generating queries comprises generating a retraining query and retraining the neural network as a function of a response to the retraining query.
Claim 44
Dependent Claim 33 words
The method of claim 32 , and wherein the step of generating queries comprises generating a query with a set of response options, where the response options are a function of trend data.
Claim 45
Dependent Claim 15 words
The method of claim 38 , and wherein the trend data includes stock-related trend data.
Claim 46
Dependent Claim 15 words
The method of claim 38 , and wherein the trend data includes banking-related trend data.
Claim 47
Dependent Claim 15 words
The method of claim 38 , and wherein the trend data includes insurance-related trend data.
Claim 48
Dependent Claim 15 words
The method of claim 38 , and wherein the trend data comprises market trend data.
Claim 49
Dependent Claim 15 words
The method of claim 38 , and wherein the trend data comprises user trend data.
Claim 50
Dependent Claim 36 words
The method of claim 32 , and wherein the step of selecting a preferred product comprises selecting a preferred product as a function of a user profile that includes information submitted during a current user session.
Claim 51
Dependent Claim 22 words
The method of claim 44 , and wherein the user profile includes information relating to responses from a user's prior selection process.
Claim 52
Dependent Claim 24 words
The method of claim 44 , and wherein the user profile comprises information relating to responses from a user's prior activities with a vendor.
Claim 53
Dependent Claim 34 words
The method of claim 44 , and further comprising: generating a confidence level as a function of the responses, wherein the generating queries includes generating queries until the confidence level exceeds a confidence threshold.
Claim 54
Dependent Claim 13 words
The method of claim 32 , and further comprising: retraining the neural network.
Claim 55
Dependent Claim 24 words
The method of claim 48 , and wherein the retraining the neural network comprises retraining the neural network as a function of the responses.
Claim 56
Dependent Claim 24 words
The method of claim 48 , and wherein the retraining the neural network comprises retraining the neural network as a function of response trends.
Claim 57
Dependent Claim 24 words
The method of claim 48 , and wherein the retraining the neural network comprises retraining the neural network as a function of market trends.

USPTO Annuity & Maintenance Windows

Annuity Stage Window Opens Payment Deadline Surcharge Period Until Estimated Fee Status
3.5 Years (Year 4) 2007-08-24 2008-02-23 2008-08-24 $2000.00 Window Closed / Lapsed
7.5 Years (Year 8) 2011-08-24 2012-02-23 2012-08-24 $3760.00 Window Closed / Lapsed
11.5 Years (Year 12) 2015-08-24 2016-02-23 2016-08-24 $7700.00 Window Closed / Lapsed

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