# US 2026/0099731 A1 · Technologies for enabling rules engines to guide end users in completing transactions > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2026/0099731 A1 - Document ID: US20260099731A1 - Status: Published application - Kind: A1 - Application number: 19/202,804 - Filed: 2025-05-08 - Published: 2026-04-09 - Earliest claimed: 2024-10-08 - Assignees: Monarch Specialty Group, Inc. - Applicants: Monarch Specialty Group, Inc. - Inventors: Stephen Barrett Cichy; Markus Daniel Bockle - Web page: https://patentgrep.com/patent/US20260099731A1 ## CPC - G06N 5/025: Extracting rules from data - G06Q 40/08: Insurance - G06N: COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS - 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 This disclosure enables a rules engine programmed for (i) expressing complex logic, (ii) handling time/event synchronization, (iii) providing insights into rule execution, and (iv) modeling uncertainties. Such configuration is technologically advantageous, because of its enablement of providing guidance to end users in completing transactions. ## Claims ### Claim 1 A method, comprising: hosting, by a server, a rule engine accessing a first set of rules and a second set of rules; and operating, by the server, the rule engine such that the rule engine: receives a first communication (a) sent by a routing application program remote from the server and (b) formed based on a first request (i) originating from an end user application program remote from the server and (ii) associated with a profile, generates either (a) a first response with a first binary content to the first communication based on determining that the first set of rules is applicable to the first communication or (b) a second response with a second binary content and a first help content to the first communication where the second binary content is opposite the first binary content and the first help content is generated based on determining that the second set of rules is applicable to the first communication, sends either the first response or the second response to the routing application program for the routing application program to (a) receive either the first response or the second response, (b) generate either (1) a first reply to the first request based on the first response where the first reply contains the first binary content or (2) a second reply to the first request based on the second response where the second reply contains the second binary content and the first help content, and (c) send either the first reply or the second reply to the end user application program for the end user application program to (d) receive either the first reply or the second reply, (e) present either (1) a first message containing the first binary content sourced from the first reply or (2) a second message containing the second binary content and the first help content sourced from the second reply, (f) generate a second request associated with the profile based on the first request, the second binary content, and the first help content, and (g) send the second request to the routing application program for the routing application program to (h) receive the second request, (i) generate a second communication based on the second request, and (j) send the second communication to the rule engine, receives the second communication, generates either (a) a third response with a third binary content to the second communication based on determining that the first set of rules is applicable to the second communication or (b) a fourth response with a fourth binary content and a second help content to the second communication where the fourth binary content is opposite the third binary content and the second help content is generated based on determining that the second set of rules is applicable to the second communication, and sends either the third response or the fourth response to the routing application program for the routing application program to (a) receive either the third response or the fourth response, (b) generate either (1) a third reply to the second request based on the third response where the third reply contains the third binary content or (2) a fourth reply to the second request based on the fourth response where the fourth reply contains the fourth binary content and the second help content, and (c) send either the third reply or the fourth reply to the end user application program for the end user application program to (d) receive either the third reply or the fourth reply and (e) present either (1) a third message containing the third binary content sourced from the third reply or (2) a fourth message containing the fourth binary content and the second help content sourced from the fourth reply. ### Claim 2 (depends on 1) The method of claim 1, wherein the first binary content or the third binary content indicates an approval of a transaction associated with the profile, wherein the transaction is initiated based on the first request, wherein the second binary content or the fourth binary content indicates a denial of the transaction. ### Claim 3 (depends on 1) The method of claim 1, wherein the second request augments or supplements the first request based on the first help content. ### Claim 4 (depends on 1) The method of claim 1, wherein the first reply, the second reply, the third reply, or the fourth reply does not contain a tokenized Uniform Resource Locator (URL). ### Claim 5 (depends on 1) The method of claim 1, wherein the first reply, the second reply, the third reply, or the fourth reply contains a tokenized Uniform Resource Locator (URL) unique to the first request or the second request. ### Claim 6 (depends on 5) The method of claim 5, wherein the tokenized URL is activatable at the end user application program to enable a presentation of a web form associated with the profile based on the first request or the second request. ### Claim 7 (depends on 5) The method of claim 5, wherein the end user application program is a first end user application program, wherein the tokenized URL is activatable at the first end user application program to present a web form within a second end user application program, wherein the web form is associated with the profile based on the first request or the second request and completable from within the second end user application program. ### Claim 8 (depends on 5) The method of claim 5, wherein the end user application program is a first end user application program hosted on a first computing terminal remote from the server, wherein the tokenized URL is activatable at the first end user application program to present a web form within a second end user application program hosted on a second computing terminal remote from the server, wherein the web form is associated with the profile based on the first request or the second request. ### Claim 9 (depends on 1) The method of claim 1, wherein the end user application program is a first end user application program hosted on a first computing terminal not collocated with a second computing terminal hosting a second end user application program, wherein the first help content is enables to operate the first end user application program to forward the first request or the second request to the second end user application program based on at least one rule of the second set of rules being applicable to the first communication. ### Claim 10 (depends on 9) The method of claim 9, wherein the at least one rule of the second set of rules is a mapping between a first entity identifier associated with the second computing terminal and a second entity identifier such that the first end user application program forwards the first request or the second request to the second end user application program based on the mapping. ### Claim 11 (depends on 9) The method of claim 9, wherein the at least one rule of the second set of rule enables the rule engine to perform a comparison of an estimated distance value between a first physical address sourced from the first request and a second physical address where a computing terminal other than the first computing terminal capable of receiving the second request is physically located such that the first end user application program forwards the first request or the second request to the second end user application program based on a physical proximity according to the estimated distance value. ### Claim 12 (depends on 9) The method of claim 9, wherein the at least one rule of the second set of rule enables the rule engine to keep a first count of successfully completed transactions associated with the first computing terminal and a second count of successfully completed transactions associated with the second computing terminal such that the first end user application program forwards the first request or the second request to the second end user application program to keep at least one of (i) the first count and the second count balanced with each other or (ii) the first count or the second count under a predetermined threshold of successfully completed transactions respectively associated with the first computing terminal or the second computing terminal. ### Claim 13 (depends on 9) The method of claim 9, wherein the at least one rule of the second set of rule enables the rule engine to keep a first history of successfully completed transactions associated with the first computing terminal and a second history of successfully completed transactions associated with the second computing terminal such that the first end user application program forwards the first request or the second request to the second end user application program based on the second history being indicative of more successfully completed transactions than the first history. ### Claim 14 (depends on 1) The method of claim 1, wherein the rule engine receives the first communication at a first point in time and the second communication at a second point in time, wherein the second set of rules has a rule mandating a passage of a predetermined time interval between the first point in time and the second point time to enable the rule engine to generate the third response. ### Claim 15 A method, comprising: hosting, by a server, a rule engine accessing a first set of rules and a second set of rules; and operating, by the server, the rule engine such that the rule engine: receives a first communication (a) sent by a routing application program remote from the server and (b) formed based on a first request (i) originating from a first end user application program remote from the server and (ii) associated with a profile, generates either (a) a first response with a first binary content to the first communication based on determining that the first set of rules is applicable to the first communication or (b) a second response with a second binary content and a first help content to the first communication where the second binary content is opposite the first binary content and the first help content is generated based on determining that the second set of rules is applicable to the first communication, sends either the first response or the second response to the routing application program for the routing application program to (a) receive either the first response or the second response, (b) generate either (1) a first reply to the first request based on the first response where the first reply contains the first binary content or (2) a second reply to the first request based on the second response where the second reply contains the second binary content and the first help content, and (c) send either the first reply or the second reply to the first end user application program for the first end user application program to (d) receive either the first reply or the second reply, (e) present either (1) a first message containing the first binary content sourced from the first reply or (2) a second message containing the second binary content and the first help content sourced from the second reply for a second end user application program remote from the server to (f) generate a second request associated with the profile based on the first request, the second binary content, and the first help content and (g) submit the second request to the routing application program for the routing application program to (h) receive the second request, (i) generate a second communication based on the second request, and (j) send the second communication to the rule engine, receives the second communication, generates either (a) a third response with a third binary content to the second communication based on determining that the first set of rules is applicable to the second communication or (b) a fourth response with a fourth binary content and a second help content to the second communication where the fourth binary content is opposite the third binary content and the second help content is generated based on determining that the second set of rules is applicable to the second communication, and sends either the third response or the fourth response to the routing application program for the routing application program to (a) receive either the third response or the fourth response, (b) generate either (1) a third reply to the second request based on the third response where the third reply contains the third binary content or (2) a fourth reply to the second request based on the fourth response where the fourth reply contains the fourth binary content and the second help content, and (c) send either the third reply or the fourth reply to the second end user application program for the second end user application program to (d) receive either the third reply or the fourth reply and (e) present either (1) a third message containing the third binary content sourced from the third reply or (2) a fourth message containing the fourth binary content and the second help content sourced from the fourth reply. ### Claim 16 (depends on 15) The method of claim 15, wherein the first end user application program and the second end user application program are collocated within a defined physical area. ### Claim 17 (depends on 15) The method of claim 15, wherein the first end user application program and the second end user application program are not collocated within a defined physical area. ### Claim 18 (depends on 15) The method of claim 15, wherein the first help content enables the first end user application program to forward the request to the second end user application program based on at least one rule of the second set of rules being applicable to the first communication. ### Claim 19 (depends on 18) The method of claim 18, wherein the at least one rule of the second set of rules is a mapping between a first entity identifier associated with the second end user application program and a second entity identifier such that the first end user application program forwards the request to the second end user application program based on the mapping. ### Claim 20 (depends on 18) The method of claim 18, wherein the at least one rule of the second set of rule enables the rule engine to perform a comparison of an estimated distance value between a first address sourced from the first request and a second address where a computing terminal is capable of receiving the second request is located such that the first end user application program forwards the request to the second end user application program based on a physical proximity according to the estimated distance value. ### Claim 21 (depends on 18) The method of claim 18, wherein the at least one rule of the second set of rule enables the rule engine to keep a first count of successfully completed transactions associated with the first computing terminal and a second count of successfully completed transactions associated with the second computing terminal such that the first end user application program forwards the request to the second end user application program to keep at least one of (i) the first count and the second count balanced with each other or (ii) the first count or the second count under a predetermined threshold of successfully completed transactions respectively associated with the first computing terminal or the second computing terminal. ### Claim 22 (depends on 18) The method of claim 18, wherein the at least one rule of the second set of rule enables the rule engine to keep a first history of successfully completed transactions associated with the first computing terminal and a second history of successfully completed transactions associated with the second computing terminal such that the first end user application program forwards the request to the second end user application program based on the second history being indicative of more successfully completed transactions than the first history. ### Claim 23 (depends on 15) The method of claim 15, wherein the rule engine receives the first communication at a first point in time and the second communication at a second point in time, wherein the second set of rules has a rule mandating a passage of a predetermined time interval between the first point in time and the second point time to enable the rule engine to generate the third response. ### Claim 24 (depends on 15) The method of claim 15, wherein the first reply, the second reply, the third reply, or the fourth reply contains a tokenized Uniform Resource Locator (URL) unique to the first request or the second request, wherein at least one of (a) the tokenized URL is activatable at the first end user application program or the second end user application program to present a web form within the first end user application program or the second end user application program, wherein the web form is associated with the profile based on the first request or the second request and completable from within the first end user application program or the second end user application program, or (b) the tokenized URL is activatable at the first end user application program or the second end user application program to present a web form within the first end user application program or the second end user application program, wherein the web form is associated with the profile based on the first request or the second request and completable from within the first end user application program or the second end user application program. ### Claim 25 (depends on 15) The method of claim 15, wherein the second end user application program generates the second request based on communicating with the first end user application program. ### Claim 26 (depends on 25) The method of claim 25, wherein the second end user application program generates the second request based on receiving the second binary content or the first help content from the first end user application program. ### Claim 27 (depends on 15) The method of claim 15, wherein the second end user application program generates the second request based on the second end user application program receiving an end user input associated with the second binary content or the first help content from the first end user application program. ### Claim 28 (depends on 27) The method of claim 27, wherein the first end user application program is operated by a first user, wherein the second end user application program is operated by a second user, wherein the end user input involves a call between the first user and the second user.