Patent Application Titled “Methods And Systems For Rewarding Personal Well-Being” Published Online (USPTO 20230186340): State Farm Mutual Automobile Insurance Company

2023 JUN 29 (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 Boice, Jason W. (Normal, IL, US); Breitweiser, Edward W. (Bloomington, IL, US); Christianson, Jeffrey G. (Lexington, IL, US); Crawford, Jennifer L. (Normal, IL, US); Ingrum, Larry (Mahomet, IL, US), filed on February 9, 2023, was made available online on June 15, 2023.

The assignee for this patent application is State Farm Mutual Automobile Insurance Company (Bloomington, Illinois, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “Mobile and wearable devices have become ubiquitous in today’s world. These devices enable individuals to monitor various aspects of their lives such as their health, wealth, social interactions, etc. However, these devices are primarily focused on providing individuals with the ability to track their personal activities or data. Individuals still lack adequate information on how to better manage the various aspects of their lives in view of such personal activities or data. Conventional techniques may have other drawbacks as well.”

In addition to obtaining background information on this patent application, NewsRx editors also obtained the inventors’ summary information for this patent application: “The present embodiments facilitate allowing individuals to improve the management of their lives based upon the tracking of their personal activities and/or data. According to one embodiment, the present disclosure provides a computer-implemented method implemented by a server (and/or one or more processors, transceivers, and sensors) to provide personalized rewards for lifestyle management based upon the well-being of a user. The method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, (1) receiving a target health goal, a target community goal, and/or a target financial goal from a plurality of devices associated with the user; and (2) receiving a first set of data during a first period of time from the plurality of devices associated with the user. The first set of data may include a first health data set indicating a current personal health level for the user, a first community data set indicating a current community activity level for the user, and a first financial data set indicating a current financial independence level for the user. The method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, (3) analyzing the first set of data to determine whether: (i) the target health goal has been met during the first period of time based upon the first health data set, (ii) whether the target community goal has been met during the first period of time based upon the first community data set, and/or (iii) whether the target financial goal has been met during the first period of time based upon the first financial data set.

“In response to determining that the target health goal, the target community goal and the target financial goal have been met during the first period of time, the method may include, via the one or more remote or local processors, servers, sensors, and/or transceivers, (4) receiving a second set of data during a second period of time from the plurality of devices associated with the user. The second set of data may include a second health data set indicating a continued personal health level for the user, a second community data set indicating a continued community activity level for the user, and a second financial data set indicating a continued financial independence level for the user. The method may further include, via the one or more remote or local processors, servers, sensors, and/or transceivers, (5) analyzing the second set of data to determine whether: (a) the target health goal has been maintained during the second period of time based upon the second health data, (b) whether the target community goal has been maintained during the second period of time based upon the second community data, and © whether the target financial goal has been maintained during the second period of time based upon the second financial data. In response to determining that the target health goal, the target community goal and the target financial goal have been maintained during the second period of time, the method may include, via the one or more remote or local processors, servers, sensors, and/or transceivers, (6) determining one or more personalized rewards for the user and transmits information indicating the one or more personalized rewards to the plurality of devices associated with the user. The method may include additional, less, or alternate actions, including those discussed elsewhere herein.

“For instance, in a further aspect, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target health goal has been met by determining whether the current personal health level is equal to or greater than a desired personal health level during the first period of time; and/or determining whether the target health goal has been maintained by determining whether the continued personal health level is equal to or greater than the current personal health level during the second period of time.

“Similarly, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target community goal has been met by determining whether the current community activity level is equal to or greater than a desired community activity level during the first period of time. Also, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target community goal has been maintained by determining whether the continued community activity level is equal to or greater than the current community activity level during the second period of time.

“Likewise, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target financial goal has been met by determining whether the current financial independence level is equal to or greater than a desired financial independence level during the first period of time. The method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target financial goal has been maintained by determining whether the continued financial independence level is equal to or greater than the current financial independence level during the second period of time.

“In another aspect, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining the one or more personalized rewards by accumulating reward points when the target health goal, the target community goal and the target financial goal have been met during the first period of time. Additional reward points are accumulated when the target health goal, the target community goal and the target financial goal have been maintained during the second period of time.

“The method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining the one or more personalized rewards based upon the accumulated reward points. The one or more personalized rewards may include one or more indications of money, a personalized product, a personalized service, a personalized insurance adjustment, a personalized discount on goods and services, and a personalized recommendation of goods and services.

“In yet another aspect, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, establishing and transmitting a plurality of intermediate goals for each of the target health goal, target community goal and target financial goal to the plurality of devices associate with the user. In this manner, the current and continued personal health levels are determined based upon a completion status of each of the plurality of intermediate goals established for the target health goal, the current and continued community activity levels are determined based upon a completion status of each of the plurality of intermediate goals established for the target community goal, and the current and continued financial independence levels are determined based upon a completion status of each of the plurality of intermediate goals established for the target financial goal.

“According to another embodiment, the present disclosure provides a computer system for providing personalized rewards for lifestyle management based upon the well-being of a user. The computer system includes a plurality of devices associated with the user and a server communicatively connected to the plurality of devices. The server may be configured to receive, a target health goal, a target community goal, and a target financial goal from the plurality of devices. The server may also be configured to receive a first set of data during a first period of time from the plurality of devices. The first set of data may include a first health data set indicating a current personal health level for the user, a first community data set indicating a current community activity level for the user, and a first financial data set indicating a current financial independence level for the user. The server may be configured to analyze the first set of data to determine whether: (i) the target health goal has been met during the first period of time based upon the first health data set, (ii) whether the target community goal has been met during the first period of time based upon the first community data set, and/or (iii) whether the target financial goal has been met during the first period of time based upon the first financial data set.”

There is additional summary information. Please visit full patent to read further.”

The claims supplied by the inventors are:

“1. A computer-implemented method for providing rewards for lifestyle management of a user, comprising: determining, by a computing device using a first data set received from at least one device associated with a user during a first time period, whether a health goal and a community goal were met during the first time period, the first data set indicating a current health level and a current community activity level; responding to determining that the health goal and the community goal were met by determining, by the computing device using a second data set received from the at least one device during a second time period, whether the health goal and the community goal were maintained during the second time period, the second data set indicating a continued health level and a continued community activity level; and responding to determining that the health goal and the community goal were maintained by transmitting, from the computing device to the at least one device, information indicating at least one reward for the user.

“2. The computer-implemented method of claim 1, wherein determining whether the health goal has been met includes determining whether the current health level is equal to or greater than a desired health level during the first time period.

“3. The computer-implemented method of claim 1, wherein determining whether the health goal has been maintained includes determining whether the continued health level is equal to or greater than the current health level during the second time period.

“4. The computer-implemented method of claim 1, wherein determining whether the community goal has been met includes determining whether the current community activity level is equal to or greater than a desired community activity level during the first time period.

“5. The computer-implemented method of claim 1, wherein determining whether the community goal has been maintained includes determining whether the continued community activity level is equal to or greater than the current community activity level during the second time period.

“6. The computer-implemented method of claim 1, further comprising: accumulating reward points when the health goal and the community goal were met during the first time period; accumulating additional reward points when the health goal and the community goal were maintained during the second time period; and determining the at least one reward based upon the accumulated reward points.

“7. The computer-implemented method of claim 1, wherein the at least one reward includes one or more indications of money, a personalized product, a personalized service, a personalized insurance adjustment, a personalized discount on goods and services, and a personalized recommendation of goods and services.

“8. The computer-implemented method of claim 1, further comprising: establishing, by the computing device, a plurality of intermediate goals for each of the health goal and the community goal; and transmitting, by the computing device to the at least one device, the plurality of intermediate goals; wherein the current and continued health levels are determined based upon a completion status of each of the plurality of intermediate goals established for the health goal and the current and continued community activity levels are determined based upon a completion status of each of the plurality of intermediate goals established for the community goal.

“9. A computer system for providing rewards for lifestyle management of a user, comprising: at least one device associated with the user; and a computing device communicatively connected to the at least one device, the computing device configured to: receive, from the at least one device, a health goal and a community goal; determine, using a first data set received from the at least one device during a first time period, whether the health goal and the community goal were met during the first time period, the first data set indicating a current health level and a current community activity level; respond to determining that the health goal and the community goal were met by determining, using a second data set received from the at least one device during a second time period, whether the health goal and the community goal were maintained during the second time period, the second data set indicating a continued health level and a continued community activity level; and respond to determining that the health goal and the community goal were maintained by transmitting to the at least one device information indicating at least one reward for the user.

“10. The computer system of claim 9, wherein the computing device is configured to determine whether the health goal has been met by determining whether the current health level is equal to or greater than a desired health level during the first time period.

“11. The computer system of claim 9, wherein the computing device is configured to determine whether the health goal has been maintained by determining whether the continued health level is equal to or greater than the current health level during the second time period.

“12. The computer system of claim 9, wherein the computing device is configured to determine whether the community goal has been met by determining whether the current community activity level is equal to or greater than a desired community activity level during the first time period.

“13. The computer system of claim 9, wherein the computing device is configured to determine whether the community goal has been maintained by determining whether the continued community activity level is equal to or greater than the current community activity level during the second time period.

“14. The computer system of claim 9, wherein the computing device is further configured to: accumulate reward points when the health goal and the community goal were met during the first time period; accumulate additional reward points when the health goal and the community goal were maintained during the second time period; and determining the at least one reward based upon the accumulated reward points.

“15. The computer system of claim 9, wherein the at least one reward includes one or more indications of money, a personalized product, a personalized service, a personalized insurance adjustment, a personalized discount on goods and services, and a personalized recommendation of goods and services.

“16. The computer system of claim 9, wherein the computing device is further configured to: establish a plurality of intermediate goals for each of the health goal and the community goal; and transmit, to the at least one device, the plurality of intermediate goals; wherein the current and continued health levels are determined based upon a completion status of each of the plurality of intermediate goals established for the health goal, and the current and continued community activity levels are determined based upon a completion status of each of the plurality of intermediate goals established for the community goal.

“17. A computer system for providing rewards for lifestyle management of a user, comprising: at least one device associated with the user; and a computing device communicatively connected to the at least one device, the computing device configured to: receive, from the at least one device, a health goal and a financial goal; determine, using a first data set received from the at least one device during a first time period, whether the health goal and the financial goal were met during the first time period, the first data set indicating a current health level and a current financial independence level; respond to determining that the health goal and the financial goal were met by determining, using a second data set received from the at least one device during a second time period, whether the health goal and the financial goal were maintained during the second time period, the second data set indicating a continued health level and a continued financial independence level; and respond to determining that the health goal and the financial goal were maintained by transmitting to the at least one device information indicating at least one reward for the user.

“18. The computer system of claim 17, wherein the computing device is configured to determine whether the financial goal has been met by determining whether the current financial independence level is equal to or greater than a desired financial independence level during the first time period.

“19. The computer system of claim 17, wherein the computing device is configured to determine whether the financial goal has been maintained by determining whether the continued financial independence level is equal to or greater than the current financial independence level during the second time period.”

For more information, see this patent application: Boice, Jason W.; Breitweiser, Edward W.; Christianson, Jeffrey G.; Crawford, Jennifer L.; Ingrum, Larry. Methods And Systems For Rewarding Personal Well-Being. U.S. Patent Application Number 20230186340, filed February 9, 2023 and posted June 15, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230186340)&db=US-PGPUB&type=ids

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