Abstract
The present disclosure provides a method for behavioral prediction of a cardholder, performed by an artificial intelligence (AI) agent utilizing reinforcement learning in conjunction with a Markov Decision Process (MDP) framework. A Language Learning Model (LLM) acquires state and transition probabilities from an analytical processing unit. The LLM accesses historical interaction data and feedback records from a specialized vector database. The LLM analyzes and assimilates historical information retained within the vector database. The LLM implements cognitive algorithms predicated on defined contextual parameters with the aim of developing a personalized card usage strategy. The LLM orchestrates a sequence of interactive prompts.
Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 License.
Recommended Citation
NAIDU, NAGRAJ Mr and GUPTA, SHRUTI Ms, "INCREASE CARD ACCEPTANCE IN UNDER-PENETRATED SEGMENTS: CHANGING CUSTOMER PAYMENT BEHAVIOR WITH REINFORCEMENT LEARNING, GEN AI REASONING, AND CARD COMMUNITY ANALYSIS", Technical Disclosure Commons, (June 11, 2025)
https://www.tdcommons.org/dpubs_series/8226