Patent Issued for Apparatuses, computer-executed methods, and computer program products for reduced-reliance application onboarding (USPTO 11836736): Assurant Inc.

2023 DEC 27 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- Assurant Inc. (New York, New York, United States) has been issued patent number 11836736, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Gronsbell, Dan (Marietta, GA, US), Perkna, Ronnie Blake (Smyrna, GA, US).

This patent was filed on October 8, 2021 and was published online on December 5, 2023.

From the background information supplied by the inventors, news correspondents obtained the following quote: “Systems maintained associated with the provision and/or distribution of goods or services, including the engagement of customers with providers of such goods and services, may be unreliable, inefficient, and ineffective in many ways. Attempting to onboard a customer to a service application system may encounter a number of difficulties in obtaining accurate, timely information, and seamlessly facilitating use of the service application for the customer and could instead result in a failure to onboard or retain the customer.

“In some instances, computing systems associated with third parties that would ordinarily be required for onboarding a new customer to a service application, may be inadequate to provide rapid onboarding services, and data acquisition may otherwise be difficult or impractical when interoperation and communication between multiple, disparate computing systems is required.

“Applicant has discovered problems with current implementations of service applications and service application onboarding. Through applied effort, ingenuity, and innovation, Applicant has solved many of these identified problems by developing embodied in the present disclosure, which are described in detail below.”

Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “In general, embodiments of the present disclosure provided herein for reduced-reliance service application onboarding and provision of service applications. Other implementations for reduced-reliance service application onboarding will be, or will become, apparent to one with skill in the art upon examination of the following figures and detailed description. It is intended that all such additional implementations be included within this description be within the scope of the disclosure, and be protected by the following claims.

“In accordance with one example aspect of the present disclosure, a computer-implemented method is provided. The computer-implemented method may be implemented and/or otherwise executed via any of a myriad of computing devices, including device(s), apparatus(es), and/or system(s), described herein embodied in software, hardware, firmware, and/or a combination thereof. In one example computer-implemented method, the example computer-implemented method includes receiving, at a service onboarding system from a provider system, acquisition data comprising subject information and customer information associated with a customer, the customer information comprising at least user communication channel data usable for transmitting information to a user device associated with the customer. The example computer-implemented method further includes generating, at the service onboarding system, a subject data object comprising at least a portion of the subject information, wherein the subject data object associated with an indication of pending onboarding. The example computer-implemented method further includes attempting initiation of a custom onboarding message to be accessed by the user device associated with the customer. The example computer-implemented method further includes receiving, at the service onboarding system, an indication that the customer accessed the custom onboarding message via the user device, the indication associated with a user data object for the customer. The example computer-implemented method further includes updating, at the service onboarding system, data associated with the subject data object to indicate completion of onboarding.

“Additionally or alternatively, in some embodiments of the example computer-implemented method, the example computer-implemented method further includes in response to determining a first communication channel associated with the user communication channel data is currently inaccessible: generating a machine-readable symbology associated with the subject data object; and transmitting, from the service onboarding system to the provider system via a second communication channel, the custom onboarding message comprising the machine-readable symbology to be presented via the provider system, where the indication that the customer accessed the custom onboarding message is received in response to the user device scanning the machine-readable symbology. Additionally or alternatively, in some such embodiments of the example computer-implemented method, the machine-readable symbology is presented via the provider system by causing the provider system to render a user interface comprising the machine-readable symbology. Additionally or alternatively, in some such embodiments of the example computer-implemented method, the machine-readable symbology is presented via the provider system by causing the provider system to print a physical medium comprising the machine-readable symbology.

“Additionally or alternatively, in some embodiments of the example computer-implemented method, the example computer-implemented method further includes generating a customized onboarding link associated with the subject data object; and in response to determining a communication channel associated with the user communication channel data is currently accessible, transmitting, from the service onboarding system to the user device via the communication channel, the custom onboarding message comprising customized onboarding link associated with the subject data object, where the indication that the customer accessed the custom onboarding message is received in response to customer interaction with the customized onboarding link via the user device. Additionally or alternatively, in some such embodiments of the example computer-implemented method, the user communication channel data comprises a mobile phone number and the communication channel comprises a cellular communication channel associated with the mobile phone number, and wherein the custom onboarding message comprises a cellular communication message comprising the customized onboarding link.

“Additionally or alternatively, in some embodiments of the example computer-implemented method, the example computer-implemented method further includes causing rendering, via the user device in response to receiving the indication that the customer accessed the custom onboarding message via the user device, of a user onboarding interface comprising a set of customer information input fields. Additionally or alternatively, in some embodiments of the example computer-implemented method, at least one of the set of customer information input fields automatically filled based on the customer information received from the service onboarding system.”

The claims supplied by the inventors are:

“1. A computer-implemented method for pre-onboarding user access control to subject information, the computer-implemented method comprising: receiving, at a service onboarding system from a provider system, acquisition data comprising: (i) the subject information associated with a subject; and (ii) customer information associated with a customer, the customer information comprising at least user communication channel data usable for transmitting information to a user device that is associated with the customer; generating, at the service onboarding system, a subject data object comprising at least a portion of the subject information, wherein the subject data object is associated with an indication of pending onboarding; receiving telematics data including diagnostic data directly or indirectly from the subject; associating the telematics data with the subject data object; attempting transmission of a custom onboarding message to the user device associated with the customer, wherein the transmission of the custom onboarding message is attempted to be transmitted via a first communication channel that is associated with the user communication channel data, wherein the custom onboarding message comprises a customized onboarding hyperlink; causing rendering of a graphical user interface at the user device in response to receiving a first indication triggered by interaction with the customized onboarding hyperlink via the user device without further authentication of a user of the user device; causing the graphical user interface to display at least a portion of the telematics data on the user device while the subject data object is pending onboarding, such that the acquisition data is configured to facilitate access to the telematics data on the user device while the subject data object is pending onboarding; receiving, at the service onboarding system following displaying at least the portion of the telematics data on the user device, a second indication via the graphical user interface at the user device, wherein the second indication is associated with a user data object for the customer; and updating, at the service onboarding system, data associated with the subject data object to remove the indication of pending onboarding to indicate completion of onboarding after receiving the second indication.

“2. The computer-implemented method according to claim 1, further comprising: in response to determining the first communication channel associated with the user communication channel data is currently inaccessible: generating a machine-readable symbology associated with the subject data object; and transmitting, from the service onboarding system to the provider system via a second communication channel, the custom onboarding message comprising the machine-readable symbology to be presented via the provider system, wherein the first indication triggered by interaction with the customized onboarding hyperlink is received in response to the user device scanning the machine-readable symbology.

“3. The computer-implemented method according to claim 2, wherein the machine-readable symbology is presented via the provider system by causing the provider system to render a user interface comprising the machine-readable symbology.

“4. The computer-implemented method according to claim 2, wherein the machine-readable symbology is presented via the provider system by causing the provider system to print a physical medium comprising the machine-readable symbology.

“5. The computer-implemented method according to claim 1, further comprising: generating the customized onboarding hyperlink, wherein the customized onboarding hyperlink is associated with the subject data object; and in response to determining the first communication channel that is associated with the user communication channel data is currently accessible, transmitting, from the service onboarding system to the user device via the communication channel, the custom onboarding message comprising the customized onboarding hyperlink associated with the subject data object, wherein the first indication that is triggered by interaction with the customized onboarding hyperlink via the user device is received by the service onboarding system in response to customer interaction with the customized onboarding hyperlink via the user device.

“6. The computer-implemented method according to claim 5, wherein the user communication channel data comprises a mobile phone number and the first communication channel comprises a cellular communication channel associated with the mobile phone number, and wherein the custom onboarding message comprises a cellular communication message comprising the customized onboarding hyperlink.

“7. The computer-implemented method according to claim 1, further comprising: causing rendering, via the user device in response to receiving the second indication, of a user onboarding interface comprising a set of customer information input fields.

“8. The computer-implemented method according to claim 7, wherein at least one of the set of customer information input fields is automatically filled based on the customer information received from the service onboarding system.

“9. The computer-implemented method according to claim 1, further comprising: associating the subject data object with a provider based on the acquisition data received from the provider system.

“10. The computer-implemented method according to claim 1, further comprising causing, in response to receiving the first indication triggered by interaction with the customized onboarding hyperlink, the user device to: determine whether a service application associated with the service onboarding system is installed to the user device; in a circumstance where the service application is determined not to be installed to the user device, access at least one application distribution platform to install the service application to the user device; and in a circumstance where the service application is determined to be installed to the user device, initiating the service application based on the subject data object.

“11. The computer-implemented method according to claim 1, further comprising causing, in response to receiving the first indication triggered by interaction with the customized onboarding hyperlink, the user device to: initiate a web-based service application associated with the service onboarding system, wherein the web-based service application is initiated based on the subject data object.

“12. The computer-implemented method according to claim 1, further comprising generating a data slug and associating the data slug with the subject data object to cause the subject data object to be associated with the indication of pending onboarding, wherein removing the indication of pending onboarding comprises removing the data slug following completion of onboarding.

“13. The computer-implemented method according to claim 1, wherein the service onboarding system and the provider system communicate via a first set of application programming interfaces, and the service onboarding system and the user device communicate via a second set of application programming interfaces.

“14. An apparatus for pre-onboarding user access control to subject information, the apparatus comprising at least one processor and at least one non-transitory memory, the at least one non-transitory memory having computer-coded instructions stored thereon, the computer-coded instructions in execution with the at least one processor configured to: receive, from a provider system, acquisition data comprising: (i) the subject information associated with a subject; and (ii) customer information associated with a customer, the customer information comprising at least user communication channel data usable for transmitting information to a user device that is associated with the customer; generate a subject data object comprising at least a portion of the subject information, wherein the subject data object is associated with an indication of pending onboarding; receive telematics data including diagnostic data directly or indirectly from the subject; associating the telematics data with the subject data object; attempt transmission of a custom onboarding message to the user device associated with the customer, wherein the transmission of the custom onboarding message is attempted to be transmitted via a first communication channel that is associated with the user communication channel data, wherein the custom onboarding message comprises a customized onboarding hyperlink; cause rendering of a graphical user interface at the user device in response to a first indication triggered by interaction with the customized onboarding hyperlink via the user device without further authentication of a user of the user device; cause the graphical user interface to display at least a portion of the telematics data on the user device while the subject data object is pending onboarding, such that the acquisition data is configured to facilitate access to the telematics data on the user device while the subject data object is pending onboarding; receive following displaying at least the portion of the telematics data on the user device, a second indication via the graphical user interface at the user device, wherein the second indication is associated with a user data object for the customer; and update data associated with the subject data object to remove the indication of pending onboarding to indicate completion of onboarding after receiving the second indication.”

There are additional claims. Please visit full patent to read further.

For the URL and additional information on this patent, see: Gronsbell, Dan. Apparatuses, computer-executed methods, and computer program products for reduced-reliance application onboarding. U.S. Patent Number 11836736, filed October 8, 2021, and published online on December 5, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11836736)&db=USPAT&type=ids

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