ALEXANDRIA, Va., Aug. 12 -- United States Patent no. 12,388,773, issued on Aug. 12, was assigned to Capital One Services LLC (McLean, Va.).

"Systems and methods for generating conversational responses using machine learning models" was invented by Minh Le (Bentonville, Ark.) and Sara Mikulic (Herndon, Va.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Methods and systems are described for generating dynamic conversational responses using two-tier machine learning models. The dynamic conversational responses may be generated in real time and reflect the likely goals and/or intents of a user. The two-tier machine learning model may include a first tier that determines an intent cluster based on a feature input...