Cambridge Dictionary gave the following rules that will help us learn how to use come up with and come upon someone/something.
a. Come up with (something):
- to suggest or think of an idea or plan.
She’s come up with some amazing scheme to double her income.
b. Come upon (someone/something):
- to find or meet someone or something, esp. unexpectedly:
She came upon an odd little man in the forest.
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