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US 10,482,554 B1Granted
Digital negotiation platform
AssigneeCapital One Services, LLC
InventorsAdam Vukich, Kaitlin Newman, Colin Hart, Jason Ji
Life of this patent
Estimating the term…
Abstract
Various embodiments are generally directed to providing a digital negotiation platform. An agent executing on a processor may programmatically negotiate parameters for an agreement based on rules and/or computing models. The agent may generate a smart contract comprising a transcript of communications and executable code operable to enforce the parameters. The smart contract may be stored in a blockchain.
Claims20
A method, comprising:
- determining, by an agent executing on a processor, a set of parameters for an agreement based in part on a computing model, wherein the agent comprises one of:
- (i) a chatbot, and (ii) a voice-enabled agent;
- transmitting, by the agent, the set of parameters for the agreement via a network;
- receiving, by the agent via the network, a modified value for a first parameter in the set of parameters;
- determining, by the agent based on the computing model and a plurality of rules, that each parameter in the set of parameters, including the modified value for the first parameter, satisfies the associated rule of the plurality of rules;
- transmitting, by the agent via the network, an indication of acceptance of the set of parameters including the modified value for the first parameter based on each parameter satisfying the rules;
- receiving, by the agent via the network, acceptance of the set of parameters including the modified value for the first parameter;
- generating, by the agent, a transcript comprising statements generated by the agent and received by the agent, the statements collectively specifying the set of parameters including the modified value for the first parameter;
- generating, by the agent based on a language processing algorithm applied to the statements of the transcript, executable code operable to enforce the set of parameters;
- generating, by the agent, a smart contract for the agreement, the smart contract comprising the transcript and the executable code operable to enforce the set of parameters;
- storing the smart contract comprising the transcript and the executable code for enforcing the set of parameters in a block of a blockchain, the block of the blockchain replicated to a plurality of distributed copies of the blockchain;
- receiving, by the executable code, a vote from each party to the agreement, each vote indicating whether an action of the first parameter has occurred on or before a time of the first parameter has elapsed;
- determining, by the executable code, that a sum of the votes received from each party to the agreement does not indicate whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed;
- receiving, by the executable code, a vote from a neutral party indicating whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed;
- applying, by the executable code, a respective weight to each received vote to determine whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed, the respective weights comprising at least two different weight values;
- and
- determining, by the executable code based on a sum of the weighted votes, that the action of the first parameter has been completed on or before the time of the first parameter has elapsed.
14 more elements
A system, comprising:
- a processor;
- and
- a memory storing instructions executable by the processor to:
- determine, by an agent executing on the processor, a set of parameters for an agreement based in part on a computing model, wherein the agent comprises one of:
- (i) a chatbot, and (ii) a voice-enabled agent;
- transmit, by the agent, the set of parameters for the agreement via a network;
- receive, via the network, a modified value for a first parameter in the set of parameters;
- determine, by the agent based on the computing model and a plurality of rules, that each parameter in the set of parameters, including the modified value for the first parameter, satisfies the associated rule of the plurality of rules;
- receive, by the agent via the network, acceptance of the set of parameters including the modified value for the first parameter;
- generate, by the agent, a transcript comprising statements generated by the agent and received by the agent, the statements collectively specifying the set of parameters including the modified value for the first parameter;
- generate, by the agent based on a language processing algorithm applied to the statements of the transcript, executable code operable to enforce the set of parameters;
- generate, by the agent, a smart contract for the agreement, the smart contract comprising the transcript and the executable code operable to enforce the set of parameters;
- store the smart contract comprising the transcript and the executable code operable to enforce the set of parameters in a block of a blockchain, the block of the blockchain replicated to a plurality of distributed copies of the blockchain;
- receive, by the executable code, a vote from each party to the agreement, each vote indicating whether an action of the first parameter has occurred on or before a time of the first parameter has elapsed;
- determine, by the executable code, that a sum of the votes received from each party to the agreement does not indicate whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed;
- receive, by the executable code, a vote from a neutral party indicating whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed;
- apply, by the executable code, a respective weight to each received vote to determine whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed, the respective weights comprising at least two different weight values;
- and
- determine, by the executable code based on a sum of the weighted votes, that the action of the first parameter has been completed on or before the time of the first parameter has elapsed.
16 more elements
A non-transitory computer-readable storage medium storing computer-readable program code executable by a processor to:
- receive, by an agent executing on the processor, a set of parameters for an agreement via a network connection, wherein the agent comprises one of:
- (i) a chatbot, and (ii) a voice-enabled agent;
- determine, by the agent, that a first parameter in the set of parameters has a value that does not meet a first rule, of a plurality of rules;
- determine, by the agent based on a computing model and the first rule, a modified value for the first parameter;
- determine, by the agent, that each parameter in the set of parameters, including the modified value for the first parameter, satisfies the associated rule of the plurality of rules;
- transmit, by the agent via the network, the modified value for the first parameter;
- receive, by the agent via the network, acceptance of the set of parameters including the modified value for the first parameter;
- transmit, by the agent via the network, an indication of acceptance of the set of parameters based on each parameter satisfying the rules;
- generate, by the agent, a transcript comprising statements generated by the agent and received by the agent, the statements collectively specifying the set of parameters including the modified value for the first parameter;
- generate, by the agent based on a language processing algorithm applied to the statements of the transcript, executable code operable to enforce the set of parameters;
- generate, by the agent, a smart contract for the agreement, the smart contract comprising the transcript and the executable code operable to enforce the set of parameters;
- store the smart contract comprising the transcript and the executable code operable to enforce the set of parameters in a block of a blockchain, the block of the blockchain replicated to a plurality of distributed copies of the blockchain;
- receive, by the executable code, a vote from each party to the agreement, each vote indicating whether an action of the first parameter has occurred on or before a time of the first parameter has elapsed;
- determine, by the executable code, that a sum of the votes received from each party to the agreement does not indicate whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed;
- receive, by the executable code, a vote from a neutral party indicating whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed;
- apply, by the executable code, a respective weight to each received vote to determine whether the action of the first parameter has occurred on or before the time of the first parameter has elapsed, the respective weights comprising at least two different weight values;
- and
- determine, by the executable code based on a sum of the weighted votes, that the action of the first parameter has been completed on or before the time of the first parameter has elapsed.
15 more elements
Dependencies are inferred from the claim text.