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This invention describes an automated system designed to handle loan refinancing negotiations for people. It works by first gathering lots of data about how people interact during loan refinancing activities. Then, it uses this data to train an artificial intelligence to understand and classify different refinancing actions, and a robotic process automation system uses this trained AI to conduct refinancing activities, like making offers or setting terms, on behalf of a loan party. The claims specifically narrow this to *loan refinancing*.
Why it matters: Filed before the widespread adoption of large language models (LLMs). The claims cover processing interactions and undertaking negotiation activities, which LLMs can now perform with significantly greater sophistication and human-like nuance than was feasible with AI systems available in 2020.
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