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Capital One Patent: Trifurcated Prompts for AI Communication Processing

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Summary

The USPTO published Capital One Services LLC's patent application US20260099519A1 on April 9, 2026, covering systems and methods for processing communications using trifurcated prompts with perturbed contexts for large language model interaction. The system receives inbound communications, determines context, applies perturbation models to generate alternative tokens, and constructs prompts for AI processing.

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What changed

The USPTO published Capital One Services LLC's patent application covering systems and methods for processing communications across computer networks using trifurcated prompts. The technology involves determining context from inbound communications, processing context through perturbation models to generate alternative tokens, and constructing prompts for large language models.\n\nThis publication does not create compliance obligations for other parties. The patent application represents Capital One's intellectual property filing for potential future competitive advantages in AI-driven communication processing. Parties in the banking technology or AI development space may monitor this application for potential future patent rights, but no immediate regulatory action is required.

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Apr 18, 2026

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← USPTO Patent Applications

SYSTEMS AND METHODS FOR IMPROVED DATA PROCESSING OF COMMUNICATIONS ACROSS COMPUTER NETWORKS USING TRIFURCATED PROMPTS

Application US20260099519A1 Kind: A1 Apr 09, 2026

Assignee

Capital One Services, LLC

Inventors

Chi ZHANG, Vivek DATLA, Aditya SHRIVASTAVA, Alfy SAMUEL, Anoop KUMAR, Daben LIU

Abstract

Systems and methods for improved data processing of communications across computer networks using trifurcated prompts during communication exchanges are described. For example, the system may receive a first inbound communication, wherein the first inbound communication system may determine a first context for the first inbound communication based on the first text string. The system may process the first context in a perturbation model to determining a first perturbed context, wherein the perturbation model determines the first perturbed context by determining a first alternative token for a first token in the first context. The system may determine a first prompt for a first large language model based on the first perturbed context.

CPC Classifications

G06F 16/33295 G06F 40/247 G06F 40/284 G06N 5/043

Filing Date

2025-03-03

Application No.

19069204

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Last updated

Classification

Agency
USPTO
Published
April 9th, 2026
Instrument
Notice
Legal weight
Binding
Stage
Final
Change scope
Minor
Document ID
US20260099519A1

Who this affects

Applies to
Financial advisers Technology companies
Industry sector
5221 Commercial Banking
Activity scope
Patent filing AI/ML development Software development
Geographic scope
United States US

Taxonomy

Primary area
Intellectual Property
Operational domain
Legal
Topics
Artificial Intelligence Data Privacy

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