ALEXANDRIA, Va., Jan. 28 -- United States Patent no. 12,536,383, issued on Jan. 27, was assigned to Capital One Services LLC (McLean, Va.).

"Systems and methods for generating dynamic conversational responses based on historical and dynamically updated information" was invented by Minh Le (Bentonville, Ark.) and Parag Jain (Falls Church, Va.).

According to the abstract* released by the U.S. Patent & Trademark Office: "Methods and systems disclosed herein collect user data in real-time and organize them (e.g., using collaborative filtering) into groups (e.g., clusters). The system then determines statistical distributions of observed real-time intents (e.g., based on actual selections made by users) for each group. The system then merges t...