US 12,406,306 B2
System and method of providing and recording personalized context-specific advice in the form of an artificial intelligence view of a hierarchical portfolio
Mark Cummings, Modesto, CA (US)
Filed by Mark Cummings, Modesto, CA (US)
Filed on Aug. 5, 2022, as Appl. No. 17/817,723.
Application 17/817,723 is a continuation of application No. 16/796,249, filed on Feb. 20, 2020, granted, now 11,443,380.
Prior Publication US 2022/0383417 A1, Dec. 1, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/06 (2012.01); G06N 20/00 (2019.01); G06Q 20/06 (2012.01); G06Q 20/10 (2012.01); G06Q 20/36 (2012.01); G06Q 40/04 (2012.01); G06Q 40/12 (2023.01); H04L 9/32 (2006.01)
CPC G06Q 40/06 (2013.01) [G06N 20/00 (2019.01); G06Q 20/065 (2013.01); G06Q 20/102 (2013.01); G06Q 20/3678 (2013.01); G06Q 40/04 (2013.01); G06Q 40/12 (2013.12); H04L 9/32 (2013.01); G06Q 2220/00 (2013.01)] 44 Claims
OG exemplary drawing
 
1. A computer-implemented method of maintaining a portable financial record for a user on a blockchain comprising a sequence of linked views of a hierarchical portfolio of assets or liabilities owned by the user, wherein each linked view is generated based on machine-learning-model-generated data (AI view), the method comprising:
assembling, by a computer system, a current AI view of the hierarchical portfolio at a current time comprising a first hash-based reference to a revised hierarchical portfolio and individual suggestions for changing the hierarchical portfolio generated as an output of trained machine learning models;
sending, by the computer system, a request to a node of a blockchain network hosting the blockchain storing thereon a preceding AI view of the hierarchical portfolio recorded on the blockchain at a first time earlier than the current time, wherein the request comprises one or more parameters associated with the hierarchical portfolio;
receiving, by the computer system, response data from the node of the blockchain network, the response data including data associated with the preceding AI view of the hierarchical portfolio;
processing, by the computer system, the response data to identify and extract a second hash-based reference to the hierarchical portfolio associated with the preceding AI view;
updating, by the computer system, the current AI view to include the second hash-based reference to the hierarchical portfolio associated with the preceding AI view to obtain an updated AI view
generating, by the computer system via a hashing algorithm, a hash of the updated AI view; and
recording, by the computer system, the updated AI view and the hash of the updated AI view, wherein the recording comprises storing the first hash-based reference to the revised hierarchical portfolio and the second hash-based reference to the hierarchical portfolio on the blockchain, and storing the hierarchical portfolio and the revised hierarchical portfolio in an off-chain storage system; and
making, by the computer system via the blockchain network, a cryptocurrency payment related to the portable financial record.