Patent Issued for Data processing system for secure data sharing and customized output generation (USPTO 11657458): Allstate Insurance Company

2023 JUN 14 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent 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 June 10, 2020, was published online on May 23, 2023, according to news reporting originating from Alexandria, Virginia, by NewsRx correspondents.

Patent number 11657458 is assigned to Allstate Insurance Company (Northbrook, Illinois, United States).

The following quote was obtained by the news editors 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 the background information obtained for this patent, NewsRx journalists also obtained the inventors’ summary information for this patent: “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.”

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: receive encrypted data corresponding to a travel history; decrypt a portion of the encrypted data, resulting in first decrypted travel history data; send, based on the first decrypted travel history data, 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; decrypt, after receiving a selection of the first option, the subsequent portion of the encrypted data; after determining that the encrypted data has been decrypted in its entirety, process the entirety of the decrypted data to generate a customized product output based on the entirety of the decrypted data; and send, to the user device and the enterprise server, one or more commands directing display of the customized product output, wherein sending the one or more commands directing display of the customized product output causes one or more of the user device or an enterprise device to display the customized product output.

“2. The computing platform of claim 1, wherein the encrypted data is received from one or more of: a user device or a third party data source.

“3. The computing platform of claim 1, wherein the encrypted data further includes email data.

“4. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: monitor an application on the user device to identify application data, wherein the application corresponds to an enterprise organization corresponding to the enterprise server; 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 computing platform of claim 4, wherein the initial product output is a first quote and the customized product output is a second quote, and wherein the customized product output is lower than the initial product output.

“6. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: send, to the user device, 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 decrypted data for determination of a second customized product output.

“7. The computing platform of claim 6, wherein the customized 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 second customized product output comprises a quote for life insurance.

“8. The computing platform of claim 1, wherein the encrypted 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, or an amount of miles driven within the zip code.

“9. The computing platform of claim 1, wherein the processing occurs using 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.”

URL and more information on this patent, see: Chintakindi, Sunil. Data processing system for secure data sharing and customized output generation. U.S. Patent Number 11657458, filed June 10, 2020, and published online on May 23, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11657458)&db=USPAT&type=ids

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