Patent Application Titled “Processing System Having A Machine Learning Engine For Providing A Common Trip Format (CTF) Output” Published Online (USPTO 20190310094)

2019 OCT 24 (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 Navratil, Zoran (Arlington Heights, IL); Rice, Kevin Patrick (Libertyville, IL); Mohnen, Daniel Brian (Grayslake, IL); Glickley, Kevin (Lake Villa, IL); Ponnala, Nilesh (Naperville, IL); Chandrawanshi, Rahul (Glenview, IL), filed on April 9, 2018, was made available online on October 10, 2019.

The assignee for this patent application is Allstate Insurance Company (Northbrook, Illinois, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “Aspects of the disclosure relate to enhanced telematics processing systems with improved third party source data integration features and enhanced customized driving output determinations. In particular, one or more aspects of the disclosure relate to telematics processing systems that utilize telematics data and third party source data associated with a driving trip to improve driving data compatibility and to facilitate customized driver output determinations.

“Because many organizations and individuals rely on telematics data as a method for determining customized driver outputs, enhancing the telematics data with third party source data is important. In many instances, however, it may be difficult to associate the third party source data with telematics data in a standardized format while also ensuring that accuracy of the customized driver output determinations is maintained.”

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 optimizing the performance of common trip format generation control computing platforms and customized driver output generation computing platforms, along with the information that such systems may maintain, using enhanced common trip format generation and customized driver output generation techniques.

“In accordance with one or more arrangements discussed herein, a computing platform having at least one processor, a communication interface, and memory may establish a connection between the computing platform and a plurality of telematics sensors via the communication interface. The computing platform may receive, from the plurality of telematics sensors and via the communication interface, telematics output data. The computing platform may establish a connection between the computing platform and a plurality of third party sources via the communication interface. In addition, the computing platform may receive, from the plurality of third party sources and via the communication interface, third party source data. The computing platform may generate an enriched telematics output by combining the telematics output data and the third party source data. In some examples, the computing platform may validate the enriched telematics output based on one or more machine learning datasets. The computing platform may determine a mode of ingestion for ingesting the validated enriched telematics output. The computing platform may generate a standardized common trip format (CTF) output based on the validated enriched telematics output and the determined mode of ingestion.

“In some arrangements, the computing platform may generate one or more commands directing a telematics output validation computing platform to validate the enriched telematics output. The computing platform may transmit, to the telematics output validation computing platform and via the communication interface, the one or more commands directing the telematics output validation computing platform to validate the enriched telematics output. The computing platform may receive, from the telematics output validation computing platform and via the communication interface, an enriched telematics output confirmation comprising an indication that the enriched telematics output has been validated.

“In some examples, the computing platform may validate the enriched telematics output by receiving the enriched telematics output confirmation.

“In some arrangements, the computing platform may determine, after the enriched telematics output has been validated, whether the enriched telematics output should be ingested in a streaming mode or a batch mode. In response to determining that the enriched telematics output should be ingested in the batch mode, the computing platform may determine that the enriched telematics output is associated with a first event. The computing platform may store, for a predetermined period of time, the enriched telematics output along with a machine learning dataset associated with the first event. In response to an expiration of the predetermined period of time, the computing platform may generate, based on enriched telematics outputs stored along with the machine learning dataset associated with the first event, the standardized CTF output.

“In some examples, the first event may comprise a first driving trip.

“In some arrangements, the computing platform may determine that the enriched telematics output comprises a high priority telematics output. In addition, the computing platform may determine that another enriched telematics output comprises a low priority telematics output. Prior to ingesting the other enriched telematics output, the computing platform may ingest, the enriched telematics output.

“In some examples, after the enriched telematics output has been validated, the computing platform may determine whether the enriched telematics output should be ingested in a streaming mode or a batch mode. In response to determining that the enriched telematics output should be ingested in the streaming mode, the computing platform may generate, based on the enriched telematics output, the standardized CTF output.

“In some arrangements, the computing platform may send, via the communication interface and to a customized driver output generation computing platform, the standardized CTF output. In addition, the computing platform may generate one or more commands directing the customized driver output generation computing platform to generate a customized driver output based on the standardized CTF output.

“In some examples, the standardized CTF output may include a user identifier.

“In some example arrangements, the computing platform may receive, from the plurality of telematics sensors and via the communication interface, second telematics output data. The computing platform may generate a second enriched telematics output by combining the second telematics output data and the third party source data. In addition, the computing platform may determine that the second enriched telematics output was not validated. The computing platform may determine that the second enriched telematics output should not be ingested.

“In accordance with one or more examples, a computing platform comprising at least one processor, a communication interface, and a memory may receive, from a telematics validation computing platform and via the communication interface, an enriched telematics output confirmation comprising an indication that an enriched telematics output has been validated. After the enriched telematics output has been validated, the computing platform may determine whether the enriched telematics output should be ingested in a streaming mode or a batch mode. In response to determining that the enriched telematics output should be ingested in the batch mode, the computing platform may determine that the enriched telematics output is associated with a first event. The computing platform may store, for a predetermined period of time, the enriched telematics output along with a machine learning dataset associated with the first event. In response to an expiration of the predetermined period of time, the computing platform may generate, based on enriched telematics outputs stored along with the machine learning dataset associated with the first event, a standardized common trip format (CTF) output.

“In some examples, the computing platform may generate one or more commands directing the telematics validation computing platform to validate the enriched telematics output. In addition, the computing platform may transmit, to the telematics validation computing platform and via the communication interface, the one or more commands directing the telematics validation computing platform to validate the enriched telematics output.

“In some arrangements, the computing platform may send, to a customized driver output generation computing platform, the CTF output. The computing platform may generate one or more commands directing the customized driver output generation computing platform to generate a customized driver output. The computing platform may send, to the customized driver output generation computing platform, the one or more commands to generate the customized driver output.

“In some examples, the telematics validation computing platform and the customized driver output generation computing platform may be integrated into the computing platform.

“In some arrangements, the predetermined period of time may be configured by a user.

“In some examples, the computing platform may determine a trip initiation location and a trip destination. In addition, the computing platform may determine, based on the trip initiation location and the trip destination, the predetermined period of time.

“In some arrangements, the computing platform may determine, based on a predefined setting, that the enriched telematics output should be ingested in the batch mode, wherein the predefined setting is configurable by a user.

“In accordance with one or more example arrangements discussed herein, a computing platform comprising a at least one processor, a communication interface, and memory may receive, from a plurality of sensor devices and via the communication interface, telematics output data and third party source data. The computing platform may validate, via machine learning algorithms and analysis, the telematics output data. The computing platform may generate, based on the telematics output data and the third party source data, enhanced telematics output data. In addition, the computing platform may ingest the enhanced telematics output data. The computing platform may ingest, for a predetermined period of time, additional enhanced telematics output data. In response to an expiration of the predetermined period of time, the computing platform may determine, based on the enhanced telematics output data and the additional enhanced telematics output data, a standardized common trip format (CTF) output.

“In some examples, the standardized CTF output may comprise a JavaScript Object Notation (JSON) spreadsheet output containing the enhanced telematics output data and the additional enhanced telematics output data.

“In some arrangements, the computing platform may send, to a customized driver output generation computing platform, the CTF output. The computing platform may generate one or more commands directing the customized driver output generation computing platform to generate a customized driver output. The computing platform may send, to the customized driver output generation computing platform, the one or more commands to generate the customized driver output.

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

The claims supplied by the inventors are:

“1. A computing platform comprising: at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: establish a connection between the computing platform and a plurality of telematics sensors via the communication interface; receive, from the plurality of telematics sensors and via the communication interface, telematics output data; establish a connection between the computing platform and a plurality of third party sources via the communication interface; receive, from the plurality of third party sources and via the communication interface, third party source data; generate an enriched telematics output by combining the telematics output data and the third party source data; validate the enriched telematics output based on one or more machine learning datasets; determine a mode of ingestion for ingesting the validated enriched telematics output; and generate a standardized common trip format (CTF) output based on the validated enriched telematics output and the determined mode of ingestion.

“2. The computing platform of claim 1, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: generate one or more commands directing a telematics output validation computing platform to validate the enriched telematics output; transmit, to the telematics output validation computing platform and via the communication interface, the one or more commands directing the telematics output validation computing platform to validate the enriched telematics output; and receive, from the telematics output validation computing platform and via the communication interface, an enriched telematics output confirmation comprising an indication that the enriched telematics output has been validated.

“3. The computing platform of claim 2, wherein validating the enriched telematics output comprises receiving the enriched telematics output confirmation.

“4. The computing platform of claim 1, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: after the enriched telematics output has been validated, determine whether the enriched telematics output should be ingested in a streaming mode or a batch mode; in response to determining that the enriched telematics output should be ingested in the batch mode: determine that the enriched telematics output is associated with a first event; store, for a predetermined period of time, the enriched telematics output along with a machine learning dataset associated with the first event; and in response to an expiration of the predetermined period of time, generate, based on enriched telematics outputs stored along with the machine learning dataset associated with the first event, the standardized CTF output.

“5. The computing platform of claim 4, wherein the first event comprises one of a first driving trip or an initial occurrence of an event within the first driving trip.

“6. The computing platform of claim 1, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: determine that the enriched telematics output comprises a high priority telematics output; determine that another enriched telematics output comprises a low priority telematics output; and ingest, prior to ingesting the other enriched telematics output, the enriched telematics output.

“7. The computing platform of claim 1, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: after the enriched telematics output has been validated, determine whether the enriched telematics output should be ingested in a streaming mode or a batch mode; and in response to determining that the enriched telematics output should be ingested in the streaming mode, generate, based on the enriched telematics output, the standardized CTF output.

“8. The computing platform of claim 1, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: send, via the communication interface and to a customized driver output generation computing platform, the standardized CTF output; and generate one or more commands directing the customized driver output generation computing platform to generate a customized driver output based on the standardized CTF output.

“9. The computing platform of claim 1, wherein the standardized CTF output includes a user identifier.

“10. The computing platform of claim 1, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: receive, from the plurality of telematics sensors and via the communication interface, second telematics output data; generate a second enriched telematics output by combining the second telematics output data and the third party source data; determine that the second enriched telematics output was not validated; and determine that the second enriched telematics output should not be ingested.

“11. A computing platform comprising: at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: receive, from a telematics validation computing platform and via the communication interface, an enriched telematics output confirmation comprising an indication that an enriched telematics output has been validated; after the enriched telematics output has been validated, determine whether the enriched telematics output should be ingested in a streaming mode or a batch mode; in response to determining that the enriched telematics output should be ingested in the batch mode: determine that the enriched telematics output is associated with a first event; store, for a predetermined period of time, the enriched telematics output along with a machine learning dataset associated with the first event; and in response to an expiration of the predetermined period of time, generate, based on enriched telematics outputs stored along with the machine learning dataset associated with the first event, a standardized common trip format (CTF) output.

“12. The computing platform of claim 11, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: generate one or more commands directing the telematics validation computing platform to validate the enriched telematics output; and transmit, to the telematics validation computing platform and via the communication interface, the one or more commands directing the telematics validation computing platform to validate the enriched telematics output.

“13. The computing platform of claim 12, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: send, to a customized driver output generation computing platform, the CTF output; generate one or more commands directing the customized driver output generation computing platform to generate a customized driver output; and send, to the customized driver output generation computing platform, the one or more commands to generate the customized driver output.

“14. The computing platform of claim 13, wherein the telematics validation computing platform and the customized driver output generation computing platform are integrated into the computing platform.

“15. The computing platform of claim 11, wherein the predetermined period of time is configured by a user.

“16. The computing platform of claim 11, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: determine a trip initiation location and a trip destination; and determine, based on the trip initiation location and the trip destination, the predetermined period of time.

“17. The computing platform of claim 11, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: determine, based on a predefined setting, that the enriched telematics output should be ingested in the batch mode, wherein the predefined setting is configurable by a user.

“18. A computing platform comprising: at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: receive, from a plurality of sensor devices and via the communication interface, telematics output data and third party source data; validate, via machine learning algorithms and analysis, the telematics output data; after validating the telematics output data, generate, based on the telematics output data and the third party source data, enhanced telematics output data; ingest, prior to standardizing the telematics output data, the enhanced telematics output data; ingest, for a predetermined period of time, additional enhanced telematics output data; and in response to an expiration of the predetermined period of time, determine, based on the enhanced telematics output data and the additional enhanced telematics output data, a standardized common trip format (CTF) output.

“19. The computing platform of claim 18, wherein the standardized CTF output comprises a JavaScript Object Notation (JSON) spreadsheet output containing the enhanced telematics output data and the additional enhanced telematics output data.

“20. The computing platform of claim 18, wherein the memory further stores computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: send, to a customized driver output generation computing platform, the CTF output; generate one or more commands directing the customized driver output generation computing platform to generate a customized driver output; and send, to the customized driver output generation computing platform, the one or more commands to generate the customized driver output.”

For more information, see this patent application: Navratil, Zoran; Rice, Kevin Patrick; Mohnen, Daniel Brian; Glickley, Kevin; Ponnala, Nilesh; Chandrawanshi, Rahul. Processing System Having A Machine Learning Engine For Providing A Common Trip Format (CTF) Output. Filed April 9, 2018 and posted October 10, 2019. Patent URL: http://appft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PG01&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.html&r=1&f=G&l=50&s1=%2220190310094%22.PGNR.&OS=DN/20190310094&RS=DN/20190310094

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