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This paper deals with learning in problem solving situations. To model such a learning process, we propose a cognitive system which includes both solving and learning abilities. The solving system is defined by cognitive activities which are worked out from knowledge structured in knowledge schemes. The solving system conditions the ability of learning. Learning is assured by a synthesization process. This process allows one to generate synthetic knowledge which summarize the solving of a given problem. This proposition of cognitive system allowing learning is illustrated through a banking application: PATRILOG software about advice in patrimony's management.< >