Patent Issued for Location-based user dataset management (USPTO 11531969): Massachusetts Mutual Life Insurance Company

2023 JAN 06 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- Massachusetts Mutual Life Insurance Company (Springfield, Massachusetts, United States) has been issued patent number 11531969, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Berard, Brian (Springfield, MA, US), Murphy, Richard (Melrose, MA, US).

This patent was filed on March 16, 2020 and was published online on December 20, 2022.

From the background information supplied by the inventors, news correspondents obtained the following quote: “Many clients expect to meet with their advisors and discuss their needs at their convenience. Conventionally, interacting with advisors requires setting up appointments, using traditional methods such as calling or emailing the advisor several days in advance, which may lead to several inconvenient back-and-forth communications regarding availability and suitable locations for the appointment. Many clients are more likely to reach out and discuss their needs, when the clients know that they are in the proximity of an advisor, who is available at that moment or shortly thereafter. Additionally, many clients do not monitor their account activities and may not even be aware of a need to meet with an advisor. Conventional methods fail to address the above-mentioned shortcomings. As the processing power of computers has increased and the Internet technology era allows for more interconnectivity between computing systems and mobile devices, many institutions utilize software solutions to facilitate meetings between clients and advisors. However, since implementation of these software solutions, many technical shortcomings have been identified and have created a new set of challenges. For example, data associated with clients (e.g., location of the client or data associated with a client’s account) and data associated with advisors (e.g., location of the advisor or data associated with advisor skills and qualifications) may be stored within different databases. Managing such data on different databases and platforms is difficult due to number, size, or content of the data stored.”

Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “For the aforementioned reasons, there is a need for a computer system and method for processing data related to a client, anticipating a need for a meeting with an advisor, and facilitating a meeting between the client and an advisor in a more efficient manner than possible with human-intervention or conventional software solutions. Disclosed herein are systems and methods addressing the shortcomings of the art, which may provide any number of additional or alternative advantages.

“In an embodiment, a method comprises receiving, by a server form a client computing device, a triggering threshold value corresponding to a value associated with a client dataset, wherein the client dataset is associated with a plurality of client records associated with a client and stored in a client database. The method comprises monitoring, by the server, the value associated with the client dataset. The method comprises in response to the value associated with the client dataset satisfying the triggering threshold value, generating by the server, a first instruction configured to activate a geolocation module and query geolocation data. The method comprises upon transmitting the first instruction to an electronic client device, receiving by the server, geolocation data associated with the electronic client device. The method comprises generating, by the server, a second instruction to receive data associated with an electronic advisor device within a geographical proximity to the electronic client device. The method comprises upon transmitting the second instruction to a resource database, receiving by the server, data associated with the electronic advisor device within the geographical proximity to the electronic client device. The method comprises generating, by the server, a third instruction to receive a calendar dataset status, associated with the electronic advisor device, wherein the calendar dataset status corresponds to a time availability associated with the electronic advisor device. The method comprises upon transmitting the third instruction to a third database, receiving by the server, the time availability associated with the electronic advisor device, wherein the third database is associated with the electronic advisor device. The method comprises in response to the calendar dataset status being associated with available, generating by the server, a notification comprising data associated with the electronic advisor device, and the calendar dataset status. The method further comprises transmitting, by the server, the notification to the electronic client device.

“Another embodiment comprises a computer system comprising a client database hosted by one or more servers comprising non-transitory machine-readable memory, the client database configured to store a plurality of client records attributable to one or more clients. The computer system comprises a server configured to receive form a client computing device, a triggering threshold value corresponding to a value associated with a client dataset, wherein the client dataset is associated with a plurality of client records associated with a client and stored in a client database. The server is configured to monitor the value associated with the client dataset. The server is configured to generate a first instruction configured to activate a geolocation module and query geolocation data, in response to the value associated with the client dataset satisfying the triggering threshold value. The server is configured to upon transmitting the first instruction to an electronic client device, receive geolocation data associated with the electronic client device. The server is configured to generate a second instruction to receive data associated with an electronic advisor device within a geographical proximity to the electronic client device. The server is configured to upon transmitting the second instruction to a resource database, receive data associated with the electronic advisor device within the geographical proximity to the electronic client device. The server is configured to generate a third instruction to receive a calendar dataset status, associated with the electronic advisor device, wherein the calendar dataset status corresponds to a time availability associated with the electronic advisor device. The server is configured to upon transmitting the third instruction to a third database, receive the time availability associated with the electronic advisor device, wherein the third database is associated with the electronic advisor device. The server is configured to in response to the calendar dataset status satisfying a threshold, generate a notification comprising data associated with the electronic advisor device, and the calendar dataset status. The server is configured to transmit the notification to the electronic client device.

“In yet another embodiment, a computer implemented method comprises transmitting, by a server, a triggering threshold value to an application programming interface associated with a potential client dataset associated with a first plurality of potential client records, wherein the triggering threshold value corresponds to a first value associated with a potential client dataset. The method comprises generating, by the server, a first instruction to continuously monitor the first value associated with the potential client dataset. The method comprises upon transmitting the first instruction to the application programming interface, receiving by the server, a first notification corresponding to the first value associated with the potential client dataset satisfying the triggering threshold value. The method comprises generating by the server, a second instruction configured to activate a geolocation module and query geolocation data associated with an electronic device associated with the potential client. The method comprises upon transmitting the second instruction to the application programming interface, receiving by the server, geolocation data associated with the electronic device associated with the potential client. The method comprises generating, a third instruction configured to receive a first plurality of electronic advisor devices within a geographical proximity to the electronic device associated with the potential client. The method comprises upon transmitting the third instruction to a resource database associated with the first plurality of electronic advisor devices, receiving the first plurality of electronic advisor devices. The method comprises receiving, by the server, a second plurality of potential client records comprising one or more categories of data associated with at least one of demographics of potential clients, membership in organizations, internet viewing and search history, and purchase history. The method comprises assigning, by the server, a second value to each category of data within the second plurality of potential client records. The method comprises receiving, by the server, a first plurality of advisor records comprising one or more categories of data associated with at least one of demographics of advisors, membership in organizations, internet viewing and search history, and purchase history. The method comprises assigning, by the server, a third value to each category of data within the first plurality of advisor records. The method comprises determining, by the server, an electronic advisor device within the first plurality of advisor records, wherein the third value associated with the advisor associated with the electronic advisor device satisfies a threshold. The method comprises receiving, by the server, a calendar dataset status associate with the electronic advisor device. The method comprises in response to the calendar dataset status being associated with available, generating by the server, a notification comprising data associated with the electronic advisor device and the calendar dataset status. The method further comprises transmitting, by the server, the notification to the electronic device associated with the potential client.

“Numerous other aspects, features and benefits of the present disclosure may be made apparent from the following detailed description taken together with the drawing figures. The systems can include less components, more components, or different components depending on desired analysis goals. It should be further understood that both the foregoing general description and the following detailed description are exemplary and explanatory and are intended to provide further explanation of the invention as claimed.”

The claims supplied by the inventors are:

“1. A method comprising: periodically monitoring, by a server, one or more databases to determine whether an account attribute associated with at least one electronic client device satisfies a predetermined threshold; in response to the account attribute of at least one electronic client device satisfying the predetermined threshold, receiving, by the server from a geolocation module of the at least one electronic client device, location data of the at least one electronic client device; and in response to identifying that at least one electronic advisor device is physically located within a predetermined range from the at least one electronic client device, transmitting, by the server to the at least one electronic advisor device, a notification comprising data associated with the at least one electronic client device and an indication of the account attribute satisfying the predetermined threshold, and transmitting, by the server to the at least one electronic client device, an invitation to have a meeting with an advisor operating the at least one electronic advisor device; and in response to receiving an acceptance of the invitation from the at least one electronic client device, generating, by the server, a calendar event for calendars of the at least one client device and the at least one electronic advisor device.

“2. The method of claim 1, further comprising: retrieving, by the server, a calendar status associated with the at least one electronic advisor device, wherein the calendar status corresponds to a time availability associated with the advisor operating the at least one electronic advisor device; and transmitting the notification to the at least one electronic advisor device when the advisor has a status corresponding to available.

“3. The method of claim 2, further comprising: modifying, by the server, the calendar status to unavailable.

“4. The method of claim 1, wherein the value corresponds to a balance of an account associated with the at least one electronic client device.

“5. The method of claim 1, wherein the notification comprises a plurality of suggested activities.

“6. The method of claim 1, wherein the notification further comprises an invitation to initiate a text-based dialogue between the electronic client device and the electronic advisor device.

“7. The method of claim 1, further comprising: transmitting, by the server to the electronic client device, a notification comprising an identification of an advisor operating the electronic advisor device.

“8. The method of claim 1, further comprising, when the server identifies more than one electronic advisor devices within the predetermined range from the at least one electronic client device, assigning a score to each electronic advisor device within the at least one electronic advisor device.

“9. The method of claim 8, further comprising transmitting the notification to at least one electronic advisor device based on its respective score.

“10. A system comprising: at least one electronic client device associated with an account; at least one electronic advisor device; and a server in communication with the at least one electronic client device and the at least one electronic advisor device, the server configured to: periodically monitor one or more databases to determine whether an account attribute associated with at least one electronic client device satisfies a predetermined threshold; in response to the account attribute of at least one electronic client device satisfying the predetermined threshold, receive from a geolocation module of the at least one electronic client device, location data of the at least one electronic client device; in response to identifying that at least one electronic advisor device is physically located within a predetermined range from the at least one electronic client device, transmit, to the at least one electronic advisor device, a notification comprising data associated with the at least one electronic client device and an indication of the account attribute satisfying the predetermined threshold; and transmit, to the at least one electronic client device, an invitation to have a meeting with an advisor operating the at least one electronic advisor device; and in response to receiving an acceptance of the invitation from the at least one electronic client device, generate a calendar event for calendars of the at least one client device and the at least one electronic advisor device.

“11. The system of claim 10, wherein the server is further configured to: retrieve a calendar status associated with the at least one electronic advisor device, wherein the calendar status corresponds to a time availability associated with the advisor operating the at least one electronic advisor device, and transmit the notification to the at least one electronic advisor device when the advisor has a status corresponding to available.

“12. The system of claim 11, wherein the server is further configured to: modify the calendar status to unavailable.

“13. The system of claim 10, wherein the value corresponds to a balance of an account associated with the at least one electronic client device.

“14. The system of claim 10, wherein the notification comprises a plurality of suggested activities.

“15. The system of claim 10, wherein the notification further comprises an invitation to initiate a text-based dialogue between the electronic client device and the electronic advisor device.

“16. The system of claim 10, wherein the server is further configured to: transmit, to the electronic client device, a notification comprising an identification of an advisor operating the electronic advisor device.

“17. The system of claim 10, wherein when the server identifies more than one electronic advisor devices within the predetermined range from the at least one electronic client device, the server is further configured to assign a score to each electronic advisor device within the at least one electronic advisor device.

“18. The system of claim 17, wherein the server is further configured to transmit the notification to at least one electronic advisor device based on its respective score.”

For the URL and additional information on this patent, see: Berard, Brian. Location-based user dataset management. U.S. Patent Number 11531969, filed March 16, 2020, and published online on December 20, 2022. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11531969)&db=USPAT&type=ids

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