# US 12,602,726 B2 · Software systems and methods to automatically correlate subject matter items and provider data across multiple platforms > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,602,726 B2 - Document ID: US12602726B2 - Status: Granted - Kind: B2 - Application number: 19/413,842 - Filed: 2025-12-09 - Published: 2026-04-02 - Granted: 2026-04-14 - Earliest claimed: 2022-09-20 - Assignees: Diligence Fund Distributors Inc. - Applicants: Diligence Fund Distributors Inc. - Inventors: Devon Drew; Kevin D. Howard - Web page: https://patentgrep.com/patent/US12602726B2 ## CPC - G06Q 40/06: Asset management; Financial planning or analysis - G06Q 10/42: Determination of affinities or common interests between users - G06Q 10/44: Identification of trends within social networks, e.g. identification of trending topics - G06Q 10/46: Determination of level of influence of users within social networking services - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Computer systems and software methods configured to automatically correlate subject matter items and provider data across multiple platforms. These platforms can include newsfeeds, websites, social websites, apps and networks, internet and social network posts, online reviews, online queries, and the like. The system automatically generates a targeted list of relevant subject matter items, associated with entity-provided workflow steps, to be matched with enhanced preferences, and generating a list of options to be presented to the subject matter users or clients. Subject matter items can be listed in order based on third-party reviews, if any, and the best fit for client preferences, with or without associated providers. Subject matter item providers who interact with the system operator can ensure that their goods and services are included within the system. ## Claims ### Claim 1 A method for providing updated financial decision-making recommendations, the method comprising: receiving, structured data related to a financial investment; receiving, unstructured data from a plurality of data sources; processing textual components of the unstructured data using one or more natural language processing models; generating features related to the financial investment based on the processing, wherein the features comprise an intent or a preference of a client associated with the financial investment; determining, based at least in part on the structured data and the features, changes in intent; generating a list of workflow recommendations based at least in part on the changes in intent; and returning information about the list of workflow recommendations for processing related to the financial investment. ### Claim 2 (depends on 1) The method of claim 1, wherein the structured data comprises geography data and self-identification data. ### Claim 3 (depends on 1) The method of claim 1, further comprising: applying a trained model to determine the changes in intent. ### Claim 4 (depends on 1) The method of claim 1, further comprising: selecting a workflow recommendation from the list of workflow recommendations; and returning information about the selected workflow recommendation to the client or a financial institution associated with the financial investment. ### Claim 5 (depends on 1) The method of claim 1, further comprising: rating each workflow recommendation in the list of workflow recommendations; selecting a workflow recommendation from the list of workflow recommendations based on the respective rating; and returning the selected workflow recommendation to the client or a financial institution associated with the financial investment. ### Claim 6 (depends on 5) The method of claim 5, further comprising: selecting a portion of the list of workflow recommendations based on respective ratings; and presenting the portion of the list of workflow recommendations the client or a financial institution associated with the financial investment. ### Claim 7 (depends on 6) The method of claim 6, further comprising: receiving client selection of a workflow recommendation from the portion of the list of workflow recommendations; and performing an action based on the client-selected workflow recommendation. ### Claim 8 (depends on 1) The method of claim 1, wherein returning the list of workflow recommendations comprises generating actions associated with one or more workflow recommendations in the list of workflow recommendations. ### Claim 9 (depends on 1) The method of claim 1, wherein returning the list of workflow recommendations comprises updating client preferences associated with the financial investment. ### Claim 10 (depends on 1) The method of claim 1, wherein the workflow recommendations comprise recommendations for financial products and services that match the intent or the preference of the client. ### Claim 11 (depends on 1) The method of claim 1, wherein the unstructured data comprises at least social media data and newsfeed data associated with the clients. ### Claim 12 (depends on 1) The method of claim 1, wherein determining the changes in intent comprises (i) computing a rate-of-change value representing the client's intent or preference and (ii) identifying a change in intent for the client when the rate-of-change value exceeds a threshold rate-of-change value, wherein the rate-of-change value exceeding the threshold rate-of-change value corresponds to a transition between discrete preference categories. ### Claim 13 A system for providing updated financial decision-making recommendations, the system comprising: one or more processors; and memory storing instructions that, when executed, cause the one or more processors to perform operations comprising: receiving, structured data related to a financial investment; receiving, unstructured data from a plurality of data sources, the unstructured data comprising at least social media data and newsfeed data associated with the clients; processing textual components of the unstructured data using one or more natural language processing models; generating features related to the financial investment based on the processing, wherein the features comprise an intent or a preference of a client associated with the financial investment; determining, based at least in part on the structured data and the features, changes in intent; generating a list of workflow recommendations based at least in part on the changes in intent; and returning information about the list of workflow recommendations for processing related to the financial investment. ### Claim 14 (depends on 13) The system of claim 13, wherein the structured data comprises geography data and self-identification data. ### Claim 15 (depends on 13) The system of claim 13, further comprising: applying a trained model to determine the changes in intent. ### Claim 16 (depends on 13) The system of claim 13, further comprising: selecting a workflow recommendation from the list of workflow recommendations; and returning information about the selected workflow recommendation to the client or a financial institution associated with the financial investment. ### Claim 17 (depends on 13) The system of claim 13, further comprising: rating each workflow recommendation in the list of workflow recommendations; selecting a workflow recommendation from the list of workflow recommendations based on the respective rating; and returning the selected workflow recommendation to the client or a financial institution associated with the financial investment. ### Claim 18 (depends on 17) The system of claim 17, further comprising: selecting a portion of the list of workflow recommendations based on respective ratings; presenting the portion of the list of workflow recommendations the client or a financial institution associated with the financial investment; receiving client selection of a workflow recommendation from the portion of the list of workflow recommendations; and performing an action based on the client-selected workflow recommendation. ### Claim 19 (depends on 13) The system of claim 13, wherein returning the list of workflow recommendations comprises generating actions associated with one or more workflow recommendations in the list of workflow recommendations and the workflow recommendations comprise recommendations for financial products and services that match the intent or the preference of the client. ### Claim 20 (depends on 13) The system of claim 13, wherein returning the list of workflow recommendations comprises updating client preferences associated with the financial investment.