Patent Application Titled “Data Processing System for Secure Data Sharing and Customized Output Generation” Published Online (USPTO 20230325933): Patent Application

2023 OCT 31 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Washington, D.C., by NewsRx journalists, a patent application by the inventors Chintakindi, Sunil (Menlo Park, CA, US); Gibson, Tim (Barrington, IL, US); Hayes, Howard (Glencoe, IL, US); Kumar, Surender (Palatine, IL, US), filed on April 11, 2023, was made available online on October 12, 2023.

No assignee for this patent application has been made.

Reporters obtained the following quote from the background information supplied by the inventors: “Aspects of the disclosure relate to enhanced data security and customized output generation. Many organizations and individuals evaluate historical data to generate customized product outputs. In many instances, however, individuals may be reluctant to share any more personal information than is necessary to generate the customized product outputs (e.g., due to concerns about data privacy), which may result in sub-optimal analysis of an individual and inaccurate output generation. Such inaccuracies may result in unnecessary expenditure of computing resources in the generation of customized outputs that ultimately might not be purchased or otherwise desired. Furthermore, even if access to historical data is granted, in some instances, enterprise organizations may initially have insufficient data to generate customized product outputs for an individual, and may have to wait for a period of time (e.g., weeks, months, or the like) until a sufficient amount of historical data for the individual has been collected. Such lack of initial data access may result in processing delays and/or inefficiencies in the generation of customized product outputs.”

In addition to obtaining background information on this patent application, NewsRx editors also obtained the inventors’ summary information for this patent application: “Aspects of the disclosure provide effective, efficient, scalable, and convenient technical solutions that address and overcome the technical problems associated with data security and product output generation. In accordance with one or more arrangements discussed herein, a computing platform having at least one processor, a communication interface, and memory may receive encrypted data corresponding to a travel history. The computing platform may decrypt a portion of the encrypted data, resulting in first decrypted travel history data. Based on the first decrypted travel history data, the computing platform may send one or more commands directing a user device of a user corresponding to the travel history to display a graphical user interface that includes one or more insights based on the first decrypted travel history data, along with a first option to continue decrypting a subsequent portion of the encrypted data corresponding to the travel history and a second option to delete the encrypted data and the first decrypted travel history data without decrypting a remainder of the encrypted data. After receiving a selection of the first option, the computing platform may decrypt the subsequent portion of the encrypted data. After determining that the encrypted data has been decrypted in its entirety, the computing platform may process the entirety of the decrypted data to generate a customized product output based on the entirety of the decrypted data. The computing platform may send, to the user device and the enterprise server, one or more commands directing display of the customized product output, which may cause one or more of the user device or an enterprise device to display the customized product output.

“In one or more instances, the encrypted data may be received from one or more of: a user device or a third party data source. In one or more instances, the encrypted data may further include email data.

“In one or more instances, the computing platform may monitor an application on the user device to identify application data, where the application corresponds to an enterprise organization corresponding to the enterprise server. The computing platform may compare the identified application data to a predetermined product generation threshold. In response to determining that the identified application data exceeds the predetermined product generation threshold, the computing platform may 1) determine an initial product output, and 2) send one or more commands directing the user device to display the initial product output, wherein sending the one or more commands causes the user device to display the initial product output. In response to determining that the identified application does not exceed the predetermined product generation threshold, the computing platform may continue to monitor the application until the identified application data exceeds the predetermined product generation threshold.

“In one or more instances, the initial product output may be a first quote and the customized product output may be a second quote, and the customized product output may be lower than the initial product output. In one or more instances, the computing platform may send, to the user device, one or more commands directing display of an additional product recommendation, which may cause one or more of the user device or an enterprise device to display the additional product recommendation and an option to maintain access to the decrypted data for determination of a second customized product output.

“In one or more instances, the customized product output may be a quote for vehicle insurance, the additional product recommendation may be an indication that a quote for life insurance may be provided, and the second customized product output may be a quote for life insurance. In one or more instances, the encrypted data may include one or more of: a user identifier, an upload time, a date range, a number of trips, a total number of miles, an average trip length, a number of miles travelled at night, a number of highway miles travelled, a percentage of trips during which a speed limit was exceeded, a percentage of trips during which a difference between a speed and the speed limit exceeded one or more thresholds, a timestamp and weather data when the difference between the speed and the speed limit exceeded one or more thresholds, a number of miles biked, a number of miles walked, a number of trips taken using a rideshare application, a number of miles driven using a rideshare application, an average length of a rideshare trip, a number of driving miles, locations travelled to more than a predetermined number of times, landmarks within a predetermined distance of the locations, establishments within a predetermined distance of the locations, addresses of the establishments, an amount of time spent driving on trips shorter than a predetermined threshold distance, a total distance travelled on trips shorter than the predetermined threshold distance, an amount of time spent driving on trips longer than the predetermined threshold distance, a total distance travelled on trips longer than the predetermined threshold distance, an amount of time spent driving within a zip code, or an amount of miles driven within the zip code. In one or more instances, the processing may be performed using a processing engine uploaded by an enterprise server corresponding to the customized product output and without granting the enterprise server access to the encrypted data or the entirety of the decrypted data.

“In accordance with one or more arrangements discussed herein, a computing device having at least one processor, a communication interface, and memory may generate an initial product output based on data stored at the computing device. The computing device may display a graphical user interface indicating the initial product output. The computing device may receive authorization indicating that third party data comprising historical travel data for a user of the computing device may be used to determine an updated product output. The computing device may display one or more graphical user interfaces that include the third party data, where each of the one or more graphical user interfaces includes a first option to maintain the authorization to use the third party data for generation of the updated product output and a second option to deny the authorization to use the third party data for generation of the updated product output. Based on receipt of the first option on each of the one or more graphical user interfaces, the computing device may generate, without granting an enterprise organization corresponding to the updated product output access to the third party data, the updated product output. The computing device may display a graphical user interface that includes the updated product output.

“In accordance with one or more arrangements discussed herein, a computing platform having at least one processor, a communication interface, and memory may receive, from a user device, authorization to access third party data corresponding to a user of the user device, where the computing platform is an enterprise server. Based on the authorization, the computing platform may access the third party data. Based on the third party data, the computing platform may send one or more commands directing the user device to display one or more sequential graphical user interfaces that each include a portion of the third party data, along with a first option to maintain the authorization and a second option to revoke the authorization. After receiving a final authorization to use the third party data to generate a customized product output, the computing platform may generate the customized product output using the third party data. The computing platform may send one or more commands directing the user device to display the customized product output using the third party data, wherein sending the one or more commands directing the user device to display the customized product output causes the user device to display the customized product output and causes the enterprise server to delete the third party data.

“These features, along with many others, are discussed in greater detail below.”

The claims supplied by the inventors are:

“1. A method comprising: generating an initial product output; displaying a graphical user interface indicating the initial product output; receiving authorization indicating that third party data comprising historical travel data for a user may be used to determine an updated product output; displaying one or more graphical user interfaces that include the third-party data, each of the one or more graphical user interfaces including a first option to maintain the authorization to use the third-party data for generation of the updated product output and a second option to deny the authorization to use the third-party data for generation of the updated product output; based on receipt of the first option on each of the one or more graphical user interfaces, generating, without granting an enterprise organization corresponding to the updated product output access to the third-party data, the updated product output; and rendering a graphical user interface that includes the updated product output.

“2. The method of claim 1, further comprising: requesting, from a third-party data source, the historical travel data.

“3. The method of claim 1, wherein the historical travel data comprises email data.

“4. The method of claim 1, further comprising: monitoring an application on a user device associated with the user to identify application data, wherein the application corresponds to the enterprise organization; comparing the identified application data to a predetermined product generation threshold; in response to determining that the identified application data exceeds the predetermined product generation threshold: determine an initial product output, and send one or more commands directing the user device to display the initial product output, wherein sending the one or more commands causes the user device to display the initial product output; and in response to determining that the identified application does not exceed the predetermined product generation threshold, continuing to monitor the application until the identified application data exceeds the predetermined product generation threshold.

“5. The method of claim 4, wherein the initial product output is a first quote and the updated product output is a second quote, and wherein the updated product output is lower than the initial product output.

“6. The method of claim 1, further comprising: send, to a user device associated with the user, one or more commands directing display of an additional product recommendation, wherein sending the one or more commands directing display of the additional product recommendation causes one or more of the user device or an enterprise device to display the additional product recommendation and an option to maintain access to the third party data for determination of an additional product output.

“7. The method of claim 6, wherein the initial product output comprises a quote for vehicle insurance, the additional product recommendation comprises an indication that a quote for life insurance may be provided, and the additional product output comprises a quote for life insurance.

“8. The method of claim 1, wherein the historical travel data includes one or more of: a user identifier, an upload time, a date range, a number of trips, a total number of miles, an average trip length, a number of miles travelled at night, a number of highway miles travelled, a percentage of trips during which a speed limit was exceeded, a percentage of trips during which a difference between a speed and the speed limit exceeded one or more thresholds, a timestamp and weather data when the difference between the speed and the speed limit exceeded one or more thresholds, a number of miles biked, a number of miles walked, a number of trips taken using a rideshare application, a number of miles driven using a rideshare application, an average length of a rideshare trip, a number of driving miles, locations travelled to more than a predetermined number of times, landmarks within a predetermined distance of the locations, establishments within a predetermined distance of the locations, addresses of the establishments, an amount of time spent driving on trips shorter than a predetermined threshold distance, a total distance travelled on trips shorter than the predetermined threshold distance, an amount of time spent driving on trips longer than the predetermined threshold distance, a total distance travelled on trips longer than the predetermined threshold distance, an amount of time spent driving within a zip code, and an amount of miles driven within the zip code.”

For more information, see this patent application: Chintakindi, Sunil; Gibson, Tim; Hayes, Howard; Kumar, Surender. Data Processing System for Secure Data Sharing and Customized Output Generation. U.S. Patent Application Number 20230325933, filed April 11, 2023 and posted October 12, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230325933)&db=US-PGPUB&type=ids

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