Abstract: Methods and processes can include negotiation assistance to the borrower in the context of attempting to secure a lending product offered by a lender within a blockchain environment. In some embodiments, the system may receive borrower input within a conversation interface of an application and convert the input to identify borrower information. Further, the system may apply a first machine-learning model to the borrower input to determine at least one borrower objective. Finally, the system may generate a lending product recommendation including an explanation for the lending product determination.

Abstract: Methods and processes can include disbursement and/or management and issuance of guaranteed preapprovals in real-estate transactions reordered as offers to purchase real estate property sold by sellers smart in a distributed digital ledger system. In some embodiments, holders of guaranteed preapproval NFTs may be linked to offers to purchase real-estate may offer these NFTs to other lenders under more favorable terms.

Abstract: Methods and processes can include disbursement and/or management and issuance of guaranteed preapprovals in real-estate transactions reordered as offers to purchase real estate property sold by sellers smart in a distributed digital ledger system. In some embodiments, holders of guaranteed preapproval NFTs may be linked to offers to purchase real also recorded as NFTs. Holders of guaranteed preapproval NFTs may make a plurality of offers to purchase a plurality of real estate properties using natural language commands within a conversation or chat interface associated with a real-estate transaction application.

Abstract: Systems and methods are provided for facilitating digital asset transfer via natural language commands using a conversation or chat interface associated with a digital wallet application. The digital wallet owner may exchange commands with an assistant user. The assistant user may comprise an automated software agent. The digital wallet owner may transfer digital assets to a recipient's digital wallet identified by command to the assistant user. The transfer command may comprise the recipient's name. An identity verification input comprising an image verifying the recipient's identity may be obtained from the recipient upon request from the owner. The transfer from the owner to the recipient may be recorded upon validating the identity verification input obtained from the recipient.

Abstract: Systems and methods are provided for facilitating digital asset transfer via natural language commands using a conversation or chat interface associated with a digital wallet application. The digital wallet owner may exchange commands with an assistant user. The assistant user may comprise an automated software agent. The digital wallet owner may transfer digital assets to a recipient's digital wallet identified by command to the assistant user. The transfer command may comprise the recipient's name preceded with a “@” notation.

Abstract: Systems and methods are provided for facilitating a cryptographic digital asset transaction via natural language commands using a conversation or chat interface associated with a digital wallet application. The digital wallet owner may exchange commands with an assistant user. The assistant user may comprise an automated software agent. The digital wallet owner may perform transactions with digital assets comprising fungible token (NFT) which are governed by a smart contract on a blockchain and are configured to represent first user's guaranteed mortgage preapproval. The NFT stores borrower information, property information, and seller information. The transaction may cause the smart contract associated with the NFT being updating on the blockchain in accordance with the borrowers' instructions.

Abstract: Systems and methods are provided for completing and submitting an electronic form associated with a form-based interface by providing or conversation/chat interface for interacting with an automated software assistant (AA) and/or a human assistant (HA) using natural language commands. The AA determines whether the user may benefit from input from another user and sends that user an invitation to join the conversation.

Abstract: Methods and processes can include disbursement and/or management and issuance of guaranteed preapprovals in real property transactions recorded as smart contracts in a distributed digital ledger system. In some embodiments, holders of guaranteed preapproval NFTs may be linked to real property purchase agreements also recorded as NFTs. Holders of the real property purchase agreement NFTs may swap with other holders of the guaranteed preapproval NFTs received form an approved lending entity.

Abstract: Systems and methods are provided for completing and submitting an electronic form associated with a form-based interface by providing or conversation/chat interface for interacting with an automated software assistant (AA) and/or a human assistant (HA) using natural language commands. The AA (or the HA) guides the user through the fields of the form by asking them questions corresponding to the data fields of the electronic form in accordance with one or more workflow determined based on individual user satisfaction index.

Abstract: Systems and methods are provided for control and operate a mobile application comprising a graphical user interface (GUI) via natural language commands using a conversation or chat interface associated with a chat application. The chat application may be initiated after obtaining a respective command from a computing device operated by a user. The conversation interface may be displayed adjacent to a mobile application. The conversation interface may be configured to receive user input comprising user commands, and display assistant user input comprising responses generated by an assistant user based on the user input. The mobile application may be updated based on the user input received from the user. The mobile application may be updated comprising outputting an output command associated with one or more actions that may occur in the mobile application.

Abstract: Systems and methods are provided for initiating an Intelligent Virtual Assistant (IVA) for facilitating user interaction with the automated call handling system such as Interactive Voice Response (IVR) system. A computer-implemented method may obtain a command for initiating an IVA system during a call between a mobile device operated by a user and an automated call handling system. Next, the method may obtain a first natural language command from the mobile device, determine a first user action based on the first natural language command, and transmit the determined user action to the automated call handling system. Finally, the method may obtain a first audio response from the automated call handling system in response to the transmitted user action, and transmit the first audio response to the user upon determining that the first audio response includes information associated with the first user request.

Abstract: Systems and methods are provided for enabling an ecommerce purchase transaction on a mobile device without requiring a user to enter payment card information during each transaction. A payment card token may be generated by the mobile payment application in response to receiving payment card information associated with a payment card. A unique user code associated with the payment card token may be generated. A payment card token may be communicated via a magnetic stripe reader communicatively coupled to the mobile device. The ecommerce purchase transaction may be completed by sending the payment card token from the mobile device to an online merchant upon entering the requisite unique user code.

Abstract: Systems and methods are provided for using non-standard haptic commands to control and operate applications or websites. A computer-implemented method may include use non-standard haptic commands to initiate a conversation interface for operating a mobile application. For example, the method may display the conversation interface adjacent to the GUI of the mobile application in response to obtaining a command for initiating a conversation interface. Next, the method may determine a user input area of the mobile application associated with a touchscreen location of the haptic input and obtain information specifying user input received by the user input area of the mobile application. Further, the method may determine a potential user action based the user input received by the user input area of the mobile application, display a first suggestion based on the potential user action the conversation interface, and update the mobile application based on the first suggestion.

Abstract: Systems and methods are provided for initiating an Intelligent Virtual Assistant (IVA) for facilitating user interaction with an automated call handling system such as Interactive Voice Response (IVR) system. A computer-implemented method may obtain a command for initiating an IVA system during a call between a mobile device operated by a user and an automated call handling system. Next, the method may obtain a first natural language command from the mobile device, determine a first user action based on the first natural language command, and transmit the determined user action to the automated call handling system. Finally, the method may obtain a first audio response from the automated call handling system in response to the transmitted user action, and transmit the first audio response to the user upon determining that the first audio response includes information associated with the first user request.

Abstract: Systems and methods are provided for initiating an Intelligent Virtual Assistant (IVA) for facilitating user interaction with the automated call handling system such as Interactive Voice Response (IVR) system. A computer-implemented method may obtain a command for initiating an IVA system during a call between a mobile device operated by a user and an automated call handling system. Next, the method may obtain a first natural language command from the mobile device, determine a first user action based on the first natural language command, and transmit the determined user action to the automated call handling system. Finally, the method may obtain a first audio response from the automated call handling system in response to the transmitted user action, and transmit the first audio response to the user upon determining that the first audio response includes information associated with the first user request.

Abstract: Systems and methods are provided for control and operate a mobile application comprising a graphical user interface (GUI) via natural language commands using a conversation or chat interface associated with a chat application. The chat application may be initiated after obtaining a respective command from a computing device operated by a user. The conversation interface may be displayed adjacent to a mobile application. The conversation interface may be configured to receive user input comprising user commands, and display assistant user input comprising responses generated by an assistant user based on the user input. The mobile application may be updated based on the user input received from the user. The mobile application may be updated comprising outputting an output command associated with one or more actions that may occur in the mobile application.

Abstract: Systems and methods for estimating relevant functionalities are disclosed. Example embodiments include a system for estimating relevant functionalities. The system may include a receiver adapted to receive incoming signals and a transmitter adapted to send outgoing signals. Additionally, the system may include circuitry coupled to the transmitter and receiver. The system may cause the circuitry to use the receiver to obtain information gathered from one or more applications supported by the electronic device. The system may cause the circuitry to remove a subset of personally identifying information from the information obtained. The system may determine an estimated user preference for a functionality of a set of functionalities using the information obtained. The functionality may correspond to an icon in an array of icons presentable on a display of the electronic device. The system may use the transmitter to communicate the estimated user preference for the functionality to the electronic device.

Abstract: Systems and methods are provided for control and operate a mobile application comprising a graphical user interface (GUI) via natural language commands using a conversation or chat interface associated with a chat application. The chat application may be initiated after obtaining a respective command from a computing device operated by a user. The conversation interface may be displayed adjacent to a mobile application. The conversation interface may be configured to receive user input comprising user commands, and display assistant user input comprising responses generated by an assistant user based on the user input. The mobile application may be updated based on the user input received from the user. The mobile application may be updated by outputting an output command associated with one or more actions that may occur in the mobile application.

Abstract: Systems and methods are provided for control and operate a mobile application comprising a graphical user interface (GUI) via natural language commands using a conversation or chat interface associated with a chat application. The chat application may be initiated after obtaining a respective command from a computing device operated by a user. The conversation interface may be displayed adjacent to a mobile application. The conversation interface may be configured to receive user input comprising user commands, and display assistant user input comprising responses generated by an assistant user based on the user input. The mobile application may be updated based on the user input received from the user. The mobile application may be updated by outputting an output command associated with one or more actions that may occur in the mobile application.

Abstract: Systems and methods are provided for using non-standard haptic commands to control and operate applications or websites. A computer-implemented method may include use non-standard haptic commands to initiate a conversation interface for operating a mobile application. For example, the method may display the conversation interface adjacent to the GUI of the mobile application in response to obtaining a command for initiating a conversation interface. Next, the method may determine a user input area of the mobile application associated with a touchscreen location of the haptic input and obtain information specifying user input received by the user input area of the mobile application. Further, the method may determine a potential user action based the user input received by the user input area of the mobile application, display a first suggestion based on the potential user action the conversation interface, and update the mobile application based on the first suggestion.