Patent Issued for Data processing system with machine learning engine to provide output generating functions (USPTO 11423335): Allstate Insurance Company

2022 SEP 14 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Alexandria, Virginia, NewsRx journalists report that a patent by the inventors Hayes, Howard (Glencoe, IL, US), Kumar, Surender (Palatine, IL, US), Olenak, Matthew (Chicago, IL, US), Rugel, John (Hawthorn Woods, IL, US), Stricker, Brian (Northbrook, IL, US), filed on November 3, 2020, was published online on August 23, 2022.

The patent’s assignee for patent number 11423335 is Allstate Insurance Company (Northbrook, Illinois, United States).

News editors 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.”

As a supplement to the background information on this patent, NewsRx correspondents also obtained the inventors’ summary information for this patent: “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.”

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 second user computing device associated with the user; sending, to the second user 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 second user 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 and 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 second user 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 at least a 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. 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: receive, from a first user computing device associated with a user, a request for a product; determine, based on the product, at least one collection procedure; identify a second user computing device associated with the user; send, to the second user 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; receive, from the second user computing device, data collected while performing the at least one collection procedure; analyze the collected data indicative of health or lifestyle of the user; determine, based on the health and lifestyle of the user, whether the user is eligible for a pricing adjustment of at least a component of the product; and output information indicating whether the user is eligible for the pricing adjustment.

“10. The computing device of claim 9, wherein the instructions, when executed by the one or more processors, further cause the computing device to: determine the at least one collection procedure by determining, based on the product, one or more types of behavior data to be collected or one or more interactive tests to be executed, wherein the request to perform the at least one collection procedure comprises: instructions to collect the one or more types of behavior data related to the user, or information corresponding to the one or more interactive tests and instructions to execute the one or more interactive tests.

“11. The computing device of claim 10, wherein the instructions, when executed by the one or more processors, further cause the computing device to: prior to sending, to the second user computing device, the information corresponding to the at least one collection procedure, generate user interface information for performing the one or more interactive tests; and send, to the second user computing device, the user interface.

“12. The computing device of claim 9, 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, and data collected during a cognitive skills test.

“13. The computing device of claim 9, wherein the instructions, when executed by the one or more processors, further cause the computing device to: calculate, 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; and determine whether the user is eligible for the pricing adjustment based on whether the one or more behavior scores meets a corresponding threshold value.

“14. The computing device of claim 13, wherein the instructions, when executed by the one or more processors, further cause the computing device to: based on a determination that the one or more behavior scores meets the corresponding threshold value: determine that the user is eligible for the pricing adjustment; and initiate the pricing adjustment of the at least a component of the product, wherein the information output indicates that the user is eligible for the pricing adjustment.

“15. The computing device of claim 13, wherein the instructions, when executed by the one or more processors, further cause the computing device to: based on a determination that the one or more behavior scores is below the corresponding threshold value, determine 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.

“16. The computing device of claim 9, wherein the second user computing device comprises at least one of: a mobile computing device, a wearable device, a fitness tracker, a social networking service server, or an email server.

“17. One or more non-transitory computer-readable storage media storing instructions, that when executed by a processor of a computing device, cause the computing device to: receive, from a first user computing device associated with a user, a request for a product; determine, based on the product, at least one collection procedure; identify a second user computing device associated with the user; send, to the second user 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; receive, from the second user computing device, data collected while performing the at least one collection procedure; analyze the collected data indicative of health or lifestyle of the user; determine, based on the health and lifestyle of the user, whether the user is eligible for a pricing adjustment of at least a component of the product; and output information indicating whether the user is eligible for the pricing adjustment.”

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

For additional information on this patent, see: Hayes, Howard. Data processing system with machine learning engine to provide output generating functions. U.S. Patent Number 11423335, filed November 3, 2020, and published online on August 23, 2022. Patent URL: http://patft.uspto.gov/netacgi/nph-Parser?Sect1=PTO1&Sect2=HITOFF&d=PALL&p=1&u=%2Fnetahtml%2FPTO%2Fsrchnum.htm&r=1&f=G&l=50&s1=11423335.PN.&OS=PN/11423335RS=PN/11423335

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