Patent Issued for Data processing system with machine learning engine to provide output generation functions (USPTO 11538057): Allstate Insurance Company

2023 JAN 18 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent by the inventors Chintakindi, Sunil (Menlo Park, CA, US), Gibson, Timothy W. (Barrington, IL, US), Hayes, Howard (Glencoe, IL, US), Johnson, Caleb (Plano, TX, US), Likhterman, Aleksandr (Wheeling, IL, US), Madigan, Regina (Mountain View, CA, US), Nainala, Srinivas (Hanover Park, IL, US), Rosanwo, Soton Ayodele (Chicago, IL, US), filed on September 25, 2019, was published online on December 27, 2022, according to news reporting originating from Alexandria, Virginia, by NewsRx correspondents.

Patent number 11538057 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: “Nearly everyone today uses some sort of personal mobile device on a regular basis. For instance, people use smartphones, cell phones, wearable devices such as smart watches and fitness monitors, tablets, laptops, and the like. These personal mobile devices are regularly carried by users throughout the day and can capture a variety of information regarding the user’s usage of their personal mobile device, locations visited, and the like.

“In addition, user data is collected and stored by a variety of different sources. For instance, user data that is collected by a mobile device, wearable device, or other similar device of a user may be stored via one or more third party systems (e.g., cloud-based environments) or entity systems with the permission of the user (e.g., upon downloading an application, executing an application, or the like). This data may be transmitted to an entity for evaluation and may be useful in evaluating user behaviors and identifying insights that may be helpful to users. In some examples, this data may be useful to other entities to evaluate users and generate offers. However, it is difficult for users to view and/or retrieve this data from the third party or entity. Accordingly, it may be advantageous to retrieve data from the third party and analyze the data to generate and provide outputs to a user.

“Further, some conventional processes require human interaction, evaluation, and the like. Given the volume of data captured by the mobile device, stored by one or more entities, and the like, it would be advantageous to perform these processes based on sensor data collected rather than requiring human evaluation.”

In addition to the background information obtained for this patent, NewsRx journalists 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 evaluating device usage, capturing user data, and generating one or more outputs based on the device usage and/or user data. For instance, data from one or more sensors within a mobile device can be received and processed to determine movement associated with the device. In addition, an amount of usage (e.g., hours, minutes, etc.) associated with the device can be received. In some examples, application usage and/or types of applications used can also be received. This data can be processed to determine travel patterns for the user of the device and those travel patterns can be utilized to build a risk profile for the user. The risk profile can be utilized for a variety of purposes, including determining rate information and confirming information provided by the user, as well as for generating other insights.

“Additional aspects of the disclosure relate to methods, computer-readable media, systems, and apparatuses for retrieving user data collected by, for example, a mobile device of a user, from a third party system for use in evaluating user behaviors, generating outputs and insights, and the like. In some examples, machine learning may be used to evaluate user data and/or generate one or more outputs.

“In some examples, methods, computer-readable media, systems, and/or apparatuses are provided to receive user input requesting generation of an output and/or user insights. Responsive to receiving the user input, a confirmation that location services associated with, for example, a remote user computing device such as a mobile device are enabled.

“In some arrangements, an image of a photographic identification of a user may be requested. The image of the photographic identification may be captured and stored. In some examples, a self-captured image of the user may be captured (e.g., via an image capture device of the computing device) and compared to an image of a user from the photographic identification. Responsive to determining that the images match, displaying an instruction to capture a vehicle identification number. In some examples, the vehicle identification number may be captured.”

The claims supplied by the inventors are:

“1. A computing system, comprising: a data computing device storing data regarding a user; and a computing platform device that: provides an application to a remote computing device, generates one or more user interfaces associated with the application for display on the remote computing device, wherein the application is executable by the remote computing device to: receive user input requesting initiation of a process to extract data of the user and generate an output based on the extracted data; responsive to receiving the user input, determine whether location services are enabled on the remote computing device; responsive to determining that location services are not enabled, enable functionality associated with a global positioning system on the remote computing device, enabling the functionality including initiating capture of location data via the global positioning system; responsive to determining that location services are enabled, or after enabling location services, initiate capture of global positioning system data of the remote computing device over a period of time and transmitting the global positioning system data to the external computing device associated with an external entity and having a data archive for storing the global positioning system data; receive an instruction to capture an image of photographic identification of the user; control a first image capture device of the remote computing device to capture the image of the photographic identification of the user; store the captured image of the photographic identification of the user; receive an instruction to self-capture an image of the user; responsive to receiving the instruction to self-capture the image of the user, activate a second image capture device of the remote computing device, the second image capture device being a front-facing image capture device of the remote computing device; capture, via the second image capture device, the image of the user; transmit the self-captured image of the user and the image of the photographic identification of the user to the computing platform device for comparison to the stored data regarding the user and user authentication; receive an indication that the user is authenticated based on the comparison to at least one of an image of the user from the captured image of the photographic identification of the user, the image of the user isolated from the captured image of the photographic identification using facial recognition techniques, and the self-captured image of the user; responsive to receiving the indication that the user is authenticated, receive an instruction to capture a vehicle identification number of a vehicle associated with the user and for which the output is being generated; capture, via the first image capture device, the vehicle identification number; retrieve, from the external computing device, location data associated with the user, the location data including the global positioning system data for a plurality of location entries corresponding to a plurality of locations of the remote computing device captured over the period of time; and transmit the location data and the captured vehicle identification number to the computing platform device; generates a plurality of user insights, the user insights generated based on a filtered set of the retrieved location data from which data indicative of no movement has been filtered out; and provides at least one offer associated with the user insights for display within one of the user interfaces associated with the application executed at the remote computing device.

“2. The computing system of claim 1, wherein the at least one offer is associated with implementing a recommendation corresponding to the user insights.

“3. The computing system of claim 1, wherein the computing platform device further: receives, from a plurality of data sources, different types of data; aggregates the different types of data from the plurality of data sources; and generates, based on the aggregated different types of data from the plurality of data sources, the plurality of user insights.

“4. The computing system of claim 1, wherein the captured global positioning system data includes longitude and latitude coordinates and a time and date stamp.

“5. The computing system of claim 1, wherein capturing the image of the photographic identification of the user includes capturing an image of a first side of the photographic identification having an image of the user and scanning a machine readable code on the photographic identification.

“6. The computing system of claim 1, wherein capturing the vehicle identification number includes scanning a machine readable code including the vehicle identification number.

“7. The computing system of claim 1, wherein the user authentication includes using the facial recognition techniques to confirm an identity of the user.

“8. A method, comprising: receiving user input at a computing device requesting initiation of a process to extract data of a user and generate an output based on the extracted data; responsive to receiving the user input, determining whether location services are enabled on the computing device; responsive to determining that location services are not enabled, enabling functionality associated with a global positioning system on the computing device, enabling the functionality including initiating capture of location data via the global positioning system; responsive to determining that location services are enabled, or after enabling location services, initiating capture of global positioning system data of the computing device over a period of time and transmitting the global positioning system data to an external computing device associated with an external entity and having a data archive for storing the global positioning system data; receiving an instruction to capture an image of photographic identification of the user; controlling a first image capture device of the computing device to capture the image of the photographic identification of the user; receiving an instruction to self-capture an image of the user; responsive to receiving the instruction to self-capture the image of the user, activating a second image capture device of the computing device, the second image capture device being a front-facing image capture device of the computing device; capturing, via the second image capture device, the image of the user; transmitting the self-captured image of the user and the image of the photographic identification of the user to a computing platform device for comparison to stored data regarding the user and user authentication; receiving from the computing platform device, an indication that the user is authenticated based on the comparison to at least one of an image of the user from the captured image of the photographic identification of the user, the image of the user isolated from the captured image of the photographic identification using facial recognition techniques, and the self-captured image of the user; responsive to receiving the indication that the user is authenticated, receiving an instruction to capture a vehicle identification number of a vehicle associated with the user and for which the output is being generated; capturing, via the first image capture device, the vehicle identification number; retrieving from the external computing device, location data associated with the user, the location data including the global positioning system data for a plurality of location entries corresponding to a plurality of locations of the computing device captured over the period of time; transmitting the location data and the captured vehicle identification number to the computing platform device; receiving, from the computing platform device, a plurality of user insights generated based on a filtered set of the retrieved location data from which data indicative of no movement has been filtered out; and displaying at least one offer associated with the user insights within a user interface.

“9. The method of claim 8, wherein the at least one offer is associated with implementing a recommendation corresponding to the user insights.

“10. The method of claim 8, wherein the plurality of user insights is based on aggregated data from a plurality of different data sources including different types of data.

“11. The method of claim 8, wherein the global positioning system data includes longitude and latitude coordinates and a time and date stamp.

“12. The method of claim 8, wherein capturing the image of the photographic identification of the user includes capturing an image of a first side of the photographic identification having an image of the user and scanning a machine readable code on the photographic identification.

“13. The method of claim 8, wherein capturing the vehicle identification number includes scanning a machine readable code including the vehicle identification number.

“14. The method of claim 8, wherein the user authentication includes using the facial recognition techniques to confirm an identity of the user.”

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

URL and more information on this patent, see: Chintakindi, Sunil. Data processing system with machine learning engine to provide output generation functions. U.S. Patent Number 11538057, filed September 25, 2019, and published online on December 27, 2022. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11538057)&db=USPAT&type=ids

(Our reports deliver fact-based news of research and discoveries from around the world.)