Patent Issued for Methods and systems for personalized information content and delivery (USPTO 11128994): United Services Automobile Association

2021 OCT 07 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent by the inventors Edmiston, Roland (Boerne, TX, US), Koch, Kristin (San Antonio, TX, US), Manzoli, Nicholas (San Antonio, TX, US), Sharp, Sakina Hassonjee (San Antonio, TX, US), Shreder, Scott (San Antonio, TX, US), Trevino, JoAnn (San Antonio, TX, US), filed on November 21, 2019, was published online on September 21, 2021, according to news reporting originating from Alexandria, Virginia, by NewsRx correspondents.

Patent number 11128994 is assigned to United Services Automobile Association (San Antonio, Texas, United States).

The following quote was obtained by the news editors from the background information supplied by the inventors: “Many companies provide customer access to customer accounts when the customer presents the proper credentials. The customer may log in to a mobile application or a website portal and check the status of a claim, account, transfer, trade, or other account activity. Sometimes, the user can call the company to request such information.”

In addition to the background information obtained for this patent, NewsRx journalists also obtained the inventors’ summary information for this patent: “Various embodiments of the present disclosure generally relate to information management. More specifically, various embodiments of the present disclosure relate to methods and systems for personalized, automated collection and delivery of information.

“Many companies provide customer access to customer accounts when the customer presents the proper credentials. The customer may log in to a mobile application or a website portal and check the status of a claim, account, transfer, trade, bill payment, or other account activity. Sometimes, the user can call the company to request such information. However, receiving such information by means of calling or reading requires inconvenient action (e.g., dialing, reading) on the part of the user. Systems and methods disclosed herein gather and deliver customized information to the customer with little to no effort from the customer. Allowing users to receive such information without logging into an account (e.g., on the way to work, while working out at the gym) provides better options for staying aware of what is happening in the user’s internal (e.g., personal accounts, credit cards) and external (e.g., stock market, financial trends) financial world.

“A profile can be created by or for a user that includes information content rules and information delivery rules to create and deliver personalized financial updates to the user. The updates can be delivered to the user when the user typically could not receive such information (e.g., while working out at the gym, grocery shopping, commuting to and from work, skiing, waiting in line, cooking dinner).

“The information content rules and the information deliver rules determine the personalized information to be gathered for a user and how to deliver the information to the user. The personalized information can include information such as a status of an account, financial advice, a reminder to pay a bill, a reminder to deposit a check, a warning regarding the account, a recap of spending over a period of time, or an advertisement of a product or service. The information may be based on factors such as the location of the user, content of information last sent to the user, preferences, priority of the information, and categories of information.

“A trigger (e.g., location of the user, time of day, word or phrase spoken into a device) can be detected, signaling that the information should be created (if it is not already created) and delivered to the user’s device. The information delivery rules can determine which device (e.g., vehicle, mobile device, tablet) to deliver the information to and how (e.g., podcast, webcast, audio file, video file) it should be delivered. In some embodiments, prior to delivery of the information, the user must provide authentication credentials. When the authentication credentials are incorrect, the information will not be provided to the user. However, when the authentication credentials are correct, the user can access the information. In some embodiments, various levels of authentication can be used (e.g., if the information is confidential, more the user is required to provide certain credentials). In some embodiments, when another person is detected in an area of the user, the information delivery rules may prohibit the user from receiving the information until authentication credentials are received.”

The claims supplied by the inventors are:

“1. A method comprising: receiving a trigger relating to a remote subscriber at a server sent from a data source over the Internet, in response to receiving the trigger: generating a set of information to be delivered to a device associated with the remote subscriber based on information content rules, wherein the device is distinct from the remote subscriber; determining to which device associated with the remote subscriber to transmit the set of information and a format in which to transmit the set of information, wherein the format is selected from at least one of the following: podcast, web cast, audio file, text message, or video file, wherein information delivery rules determine the device and the format based at least in part on a location of the remote subscriber, a presence of other devices not owned by the remote subscriber, and a time of day; and transmitting the set of information after authenticating the remote subscriber to a level, wherein the level is based on the location of the remote subscriber and the presence of other devices not owned by the remote subscriber.

“2. The method of claim 1, wherein receiving the trigger comprises detecting the location of the remote subscriber, wherein the location of the remote subscriber is detected using at least one of: a Wi-Fi signal, an RFID signal, an NFC signal, a satellite signal, or a cellular signal.

“3. The method of claim 1, further comprising detecting a presence of a second device, wherein the information content rules further determine the set of information based on the presence of the second device, wherein the location of the remote subscriber is determined from the device or the second device.

“4. The method of claim 1, wherein the set of information comprises at least one of: a status of an account, financial advice, a reminder to pay a bill, a reminder to deposit a check, a warning regarding the account, a recap of spending over a period of time, or an advertisement of a product or service.

“5. The method of claim 1, wherein the device is one of: a radio, a mobile computing device, a laptop, a wearable computing device, or a vehicle.

“6. The method of claim 1, further comprising storing the information content rules and the information delivery rules in a profile associated with the remote subscriber.

“7. A non-transitory computer-readable storage medium containing a set of instructions that, when executed by one or more processors, cause the one or more processors to perform operations comprising: receiving a trigger relating to a remote subscriber at a server sent from a data source over the Internet, in response to receiving the trigger: generating a set of information to be delivered to a device associated with the remote subscriber based on information content rules, wherein the device is distinct from the remote subscriber; determining to which device associated with the remote subscriber to transmit the set of information and a format in which to transmit the set of information, wherein the format is selected from at least one of the following: podcast, web cast, audio file, text message, or video file, wherein information delivery rules determine the device and the format based at least in part on a location of the remote subscriber and a presence of other devices not owned by the remote subscriber; and transmitting the set of information after authenticating the remote subscriber to a level, wherein the level is based on the location of the remote subscriber and the presence of other devices not owned by the remote subscriber.

“8. The non-transitory computer-readable storage medium of claim 7, wherein receiving the trigger comprises detecting the location of the remote subscriber, wherein the location of the remote subscriber is detected using at least one of: a Wi-Fi signal, an RFID signal, an NFC signal, a satellite signal, or a cellular signal.

“9. The non-transitory computer-readable storage medium of claim 7, wherein the operations further comprise detecting a presence of a second device, wherein the information content rules further determine the set of information based on the presence of the second device, wherein the location of the remote subscriber is determined from the device or the second device.

“10. The non-transitory computer-readable storage medium of claim 7, wherein the set of information comprises at least one of: a status of an account, financial advice, a reminder to pay a bill, a reminder to deposit a check, a warning regarding the account, a recap of spending over a period of time, or an advertisement of a product or service.

“11. The non-transitory computer-readable storage medium of claim 7, wherein the device is one of: a radio, a mobile computing device, a laptop, a wearable computing device, or a vehicle.

“12. The non-transitory computer-readable storage medium of claim 7, wherein the operations further comprise storing the information content rules and the information delivery rules in a profile associated with the remote subscriber.

“13. An information collection and delivery system, comprising: one or more processors; and a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the information collection and delivery system to: receive a trigger relating to a remote subscriber at a server sent from a data source over the Internet, in response to receiving the trigger: generate a set of information to be delivered to a device associated with the remote subscriber based on information content rules, wherein the device is distinct from the remote subscriber; determine to which device associated with the remote subscriber to transmit the set of information and a format in which to transmit the set of information, wherein the format is selected from at least one of the following: podcast, web cast, audio file, text message, or video file, wherein information delivery rules determine the device and the format based at least in part on a location of the remote subscriber and a presence of other devices not owned by the remote subscriber; and transmit the set of information after authenticating the remote subscriber to a level, wherein the level is based on the location of the remote subscriber and the presence of other devices not owned by the remote subscriber.

“14. The information collection and delivery system of claim 13, wherein receiving the trigger comprises detecting the location of the remote subscriber, wherein the location of the remote subscriber is detected using at least one of: a Wi-Fi signal, an RFID signal, an NFC signal, a satellite signal, or a cellular signal.

“15. The information collection and delivery system of claim 13, wherein the instructions, when executed by the one or more processors, further cause the information collection and delivery system to detect a presence of a second device, wherein the information content rules further determine the set of information based on the presence of the second device, wherein the location of the remote subscriber is determined from the device or the second device.

“16. The information collection and delivery system of claim 13, wherein the set of information comprises at least one of: a status of an account, financial advice, a reminder to pay a bill, a reminder to deposit a check, a warning regarding the account, a recap of spending over a period of time, or an advertisement of a product or service.

“17. The information collection and delivery system of claim 13, wherein the device is one of: a radio, a mobile computing device, a laptop, a wearable computing device, or a vehicle.”

URL and more information on this patent, see: Edmiston, Roland. Methods and systems for personalized information content and delivery. U.S. Patent Number 11128994, filed November 21, 2019, and published online on September 21, 2021. 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=11128994.PN.&OS=PN/11128994RS=PN/11128994

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