Patent Application Titled “Data Processing System With Machine Learning Engine To Provide Output Generating Functions” Published Online (USPTO 20230230131): Patent Application
2023 AUG 04 (NewsRx) -- By a
No assignee for this patent application has been made.
Reporters obtained the following quote from the background information supplied by the inventors: “Mobile devices are being used to simplify people’s lives around the world. However, it is often difficult to collect sufficient information via user input. In addition, determining an accuracy of information provided by a user can be difficult. Often, confirming accuracy may require in-person communication, additional documentation, and the like. Accordingly, executing a plurality of interactive tests generated by an entity to collect condition data, verify accuracy of data, and the like, may be advantageous.”
In addition to obtaining background information on this patent application, NewsRx editors also obtained the inventors’ summary information for this patent application: “The following presents a simplified summary in order to provide a basic understanding of some aspects of the disclosure. The summary is not an extensive overview of the disclosure. It is neither intended to identify key or critical elements of the disclosure nor to delineate the scope of the disclosure. The following summary merely presents some concepts of the disclosure in a simplified form as a prelude to the description below.
“Aspects of the disclosure relate to methods, computer-readable media, systems, and apparatuses for capturing and evaluating data related to a user to generate an output, such as an identification and/or determination of the user’s eligibility and/or pricing for one or more products, services, incentives, discounts, etc.
“In accordance with aspects of the disclosure, a system, computing device, or the like may capture and evaluate test data, user behavior data, and various other types of data. The data may be captured by or collected from one or more sources, such as user devices, sensors, remote computing devices, servers, databases, etc., with appropriate user permissions.
“For example, test data may be captured when a user performs one or more interactive condition evaluation tests. User information may be received by the system, computing device, or the like. Based on the information, one or more interactive condition evaluation tests may be identified. An instruction, command, signal or the like, may be transmitted to a computing device of the user and executed on the computing device to enable functionality of one or more sensors that may be used in the identified interactive condition evaluation tests. In some examples, a user interface may be generated by the system, computing device, or the like. The user interface may include instructions for executing the identified interactive condition evaluation tests. Upon initiating an interactive condition evaluation test on the computing device, data may be collected from one or more sensors. A determination may be made as to whether a triggering event has occurred. If the triggering event has not occurred, data from the sensors may be continue to be collected. If the triggering event has occurred, the interactive condition evaluation test may be terminated and functionality associated with the sensors may be disabled. The data collected from the one or more sensors during the interactive condition evaluation test may be analyzed to determine test results, i.e., test data.
“User behavior data may additionally be collected or captured with appropriate user permissions. User behavior data may be personal data collected by one or more devices associated with the user, from social media and/or email accounts associated with the user, etc. The user behavior data may additionally be collected by sources external to user, such as remote computing devices, servers, databases, etc.
“Various other types of data may additionally be collected from one or more other sources (e.g., with appropriate user permissions).
“The collected data, such as the test data, the user behavior data, and various other types of data, may be transmitted to the system, computing device, or the like, and may be analyzed and processed using one or more machine learning datasets to determine the user’s health/wellness status, behavior, habits, lifestyle choices, etc. The system, computing device, or the like may use the processed data to calculate one or more user behavior scores related to the user and to generate a user behavior profile based on the user behavior scores. The user behavior scores and user behavior profile may be used alone or with other collected information to generate an output regarding the user’s eligibility for one or more products, services, discounts, incentives, etc. and/or pricing related thereto. For instance, the user behavior score and user behavior profile may be used together with other collected information to determine an eligibility of the user, or pricing for the user, for a variable insurance product or service. The variable insurance product may be a behavior-based variable product, such as a life insurance, vehicle insurance, health insurance, etc. product. Pricing for the behavior-based variable product may comprise two components-a fixed pricing component and a variable pricing component. Pricing for the variable pricing component may vary or fluctuate over time based on the collected data. The generated output may further be transmitted to a computing device for display.
“These and other features and advantages of the disclosure will be apparent from the additional description provided herein.”
The claims supplied by the inventors are:
“1. A method comprising: receiving, by a computing device and from a first user computing device associated with a user, a request for a product; determining, based on the product, at least one collection procedure; identifying a third-party computing device; sending, to the third-party computing device, a request to perform the at least one collection procedure, wherein the request comprises information corresponding to the at least one collection procedure; receiving, from the third-party computing device, data collected while performing the at least one collection procedure; analyzing the collected data indicative of health or lifestyle of the user; determining, based on the health or lifestyle of the user, whether the user is eligible for a pricing adjustment of at least a component of the product; and outputting information indicating whether the user is eligible for the pricing adjustment.
“2. The method of claim 1, wherein determining the at least one collection procedure comprises determining, based on the product, one or more types of behavior data to be collected or one or more interactive tests to be executed, and wherein the request to perform the at least one collection procedure comprises: instructions to collect the one or more types of behavior data, or information corresponding to the one or more interactive tests and instructions to execute the one or more interactive tests.
“3. The method of claim 2, further comprising: prior to sending, to the third-party computing device, the information corresponding to the at least one collection procedure, generating a user interface information for performing the one or more interactive tests, wherein sending the information comprises sending the user interface information.
“4. The method of claim 1, wherein the collected data comprises one or more of: a social media post associated with the user, an email associated with the user, a text message associated with the user, a chat message associated with the user, an image associated with the user, a video associated with the user, information related to a gym membership of the user, data collected during a body measurement test, data collected during a biometric test, data collected during a mobility test, a reflex test, or data collected during a cognitive skills test.
“5. The method of claim 1, further comprising: calculating, based on the analyzed data, one or more behavior scores for one or more types of behavior data collected during the at least one collection procedure, wherein determining whether the user is eligible for the pricing adjustment comprises determining whether the one or more behavior scores meets a corresponding threshold value.
“6. The method of claim 5, further comprising: based on a determination that the one or more behavior scores meets the corresponding threshold value: determining that the user is eligible for the pricing adjustment; and initiating the pricing adjustment of the component of the product, wherein the information output indicates that the user is eligible for the pricing adjustment.
“7. The method of claim 5, further comprising: based on a determination that the one or more behavior scores does not meet the corresponding threshold value, determining that eligibility of the user for the pricing adjustment is uncertain, wherein the information output indicates that the eligibility of the user for the pricing adjustment could not be determined and additional information is required.
“8. The method of claim 1, wherein the second user computing device is different than the first user computing device.
“9. The method of claim 1, wherein the third-party computing device comprises at least one of a social networking service server, or an email server.
“10. A method comprising: sending, by a first user computing device associated with a user and to a server, a request for a product; receiving, from the server, a request to perform at least one collection procedure; collecting data based on the at least one collection procedure; sending the collected data to the server while performing the at least one collection procedure, wherein the server analyzes the collected data indicative of health or lifestyle of the user and determines, based on the health or lifestyle of the user, whether the user is eligible for a pricing adjustment of at least a component of the product; and receiving information indicating whether the user is eligible for the pricing adjustment.
“11. The method of claim 10, further comprising: receiving information related to one or more interactive tests for the user to perform; displaying an interface corresponding to the one or more interactive tests; measuring additional data related to the one or more interactive tests using at least one sensor; and sending the additional data to the server.
“12. The method of claim 11, wherein the information indicating whether the user is eligible for the pricing adjustment is determined based on the additional data and the collected data.
“13. The method of claim 11, wherein the server determines eligibility for the product based on the additional data and the collected data.
“14. The method of claim 10, wherein the collected data comprises one or more of: a social media post associated with the user, an email associated with the user, a text message associated with the user, a chat message associated with the user, an image associated with the user, a video associated with the user, information related to a gym membership of the user, data collected during a body measurement test, data collected during a biometric test, data collected during a mobility test, a reflex test, or data collected during a cognitive skills test.
“15. The method of claim 10, further comprising: requesting authorization to collect data to determine pricing and eligibility of the product; collecting additional data from at least one of a second user computing device and a third-party device based on the authorization; and sending the additional data to the server.
“16. The method of claim 11, wherein the server determines eligibility for the product based on the collected data and the additional data the user authorizes the server to retrieve.
“17. A computing device comprising: one or more processors; and memory storing computer-readable instructions that, when executed by the one or more processors, cause the computing device to: send, to a server, a request for a product; receive, from the server, a request to perform at least one collection procedure; collect data based on the at least one collection procedure; send the data collected to the server while performing the at least one collection procedure, wherein the server analyzes the collected data indicative of health or lifestyle of the user and determines, based on the health or lifestyle of the user, whether the user is eligible for a pricing adjustment of at least a component of the product; and receive information indicating whether the user is eligible for the pricing adjustment.
“18. The computing device of claim 17, wherein the instructions, when executed by the one or more processors, further cause the computing device to: receiving information related to one or more interactive tests for a user to perform; displaying an interface corresponding to the one or more interactive tests; measuring additional data related to the one or more interactive tests using at least one sensor; and sending the additional data to the server
“19. The computing device of claim 18, wherein the server determines eligibility for the one or more products based on the additional data and the collected data.
“20. The method of claim 17, wherein the instructions, when executed by the one or more processors, further cause the computing device to:”
For more information, see this patent application: Hayes, Howard; Kumar,
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