Patent Issued for Methods and systems for rewarding personal well-being (USPTO 11270331): State Farm Mutual Automobile Insurance Company

2022 MAR 25 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Alexandria, Virginia, NewsRx journalists report that a patent by the inventors Boice, Jason W. (Normal, IL, US), Breitweiser, Edward W. (Bloomington, IL, US), Christianson, Jeffrey G. (Lexington, IL, US), Crawford, Jennifer L. (Normal, IL, US), Ingrum, Larry (Mahomet, IL, US), filed on October 28, 2020, was published online on March 8, 2022.

The patent’s assignee for patent number 11270331 is State Farm Mutual Automobile Insurance Company (Bloomington, Illinois, United States).

News editors obtained the following quote from the background information supplied by the inventors:

“Mobile and wearable devices have become ubiquitous in today’s world. These devices enable individuals to monitor various aspects of their lives such as their health, wealth, social interactions, etc. However, these devices are primarily focused on providing individuals with the ability to track their personal activities or data. Individuals still lack adequate information on how to better manage the various aspects of their lives in view of such personal activities or data. Conventional techniques may have other drawbacks as well.”

As a supplement to the background information on this patent, NewsRx correspondents also obtained the inventors’ summary information for this patent: “The present embodiments facilitate allowing individuals to improve the management of their lives based upon the tracking of their personal activities and/or data. According to one embodiment, the present disclosure provides a computer-implemented method implemented by a server (and/or one or more processors, transceivers, and sensors) to provide personalized rewards for lifestyle management based upon the well-being of a user. The method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, (1) receiving a target health goal, a target community goal, and/or a target financial goal from a plurality of devices associated with the user; and (2) receiving a first set of data during a first period of time from the plurality of devices associated with the user. The first set of data may include a first health data set indicating a current personal health level for the user, a first community data set indicating a current community activity level for the user, and a first financial data set indicating a current financial independence level for the user. The method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, (3) analyzing the first set of data to determine whether: (i) the target health goal has been met during the first period of time based upon the first health data set, (ii) whether the target community goal has been met during the first period of time based upon the first community data set, and/or (iii) whether the target financial goal has been met during the first period of time based upon the first financial data set.

“In response to determining that the target health goal, the target community goal and the target financial goal have been met during the first period of time, the method may include, via the one or more remote or local processors, servers, sensors, and/or transceivers, (4) receiving a second set of data during a second period of time from the plurality of devices associated with the user. The second set of data may include a second health data set indicating a continued personal health level for the user, a second community data set indicating a continued community activity level for the user, and a second financial data set indicating a continued financial independence level for the user. The method may further include, via the one or more remote or local processors, servers, sensors, and/or transceivers, (5) analyzing the second set of data to determine whether: (a) the target health goal has been maintained during the second period of time based upon the second health data, (b) whether the target community goal has been maintained during the second period of time based upon the second community data, and © whether the target financial goal has been maintained during the second period of time based upon the second financial data. In response to determining that the target health goal, the target community goal and the target financial goal have been maintained during the second period of time, the method may include, via the one or more remote or local processors, servers, sensors, and/or transceivers, (6) determining one or more personalized rewards for the user and transmits information indicating the one or more personalized rewards to the plurality of devices associated with the user. The method may include additional, less, or alternate actions, including those discussed elsewhere herein.

“For instance, in a further aspect, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target health goal has been met by determining whether the current personal health level is equal to or greater than a desired personal health level during the first period of time; and/or determining whether the target health goal has been maintained by determining whether the continued personal health level is equal to or greater than the current personal health level during the second period of time.

“Similarly, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target community goal has been met by determining whether the current community activity level is equal to or greater than a desired community activity level during the first period of time. Also, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target community goal has been maintained by determining whether the continued community activity level is equal to or greater than the current community activity level during the second period of time.

“Likewise, the method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target financial goal has been met by determining whether the current financial independence level is equal to or greater than a desired financial independence level during the first period of time. The method may include, via one or more remote or local processors, servers, sensors, and/or transceivers, determining whether the target financial goal has been maintained by determining whether the continued financial independence level is equal to or greater than the current financial independence level during the second period of time.”

The claims supplied by the inventors are:

“1. A computer-implemented method for providing personalized rewards for lifestyle management based upon well-being of a user, the method comprising: receiving, by a server from a plurality of devices associated with the user, a target health goal, a target community goal, and a target financial goal; receiving, by the server from the plurality of devices associated with the user, a first set of data during a first period of time, the first set of data including a first health data set indicating a current personal health level for the user, a first community data set indicating a current community activity level for the user, and a first financial data set indicating a current financial independence level for the user; analyzing, by the server, the first set of data to determine whether: (i) the target health goal has been met during the first period of time based upon the first health data set, (ii) whether the target community goal has been met during the first period of time based upon the first community data set, and (iii) whether the target financial goal has been met during the first period of time based upon the first financial data set; in response to determining that the target health goal, the target community goal and the target financial goal have been met during the first period of time, receiving, by the server from the plurality of devices associated with the user, a second set of data during a second period of time, the second set of data including a second health data set indicating a continued personal health level for the user, a second community data set indicating a continued community activity level for the user, and a second financial data set indicating a continued financial independence level for the user; analyzing, by the server, the second set of data to determine whether: (a) the target health goal has been maintained during the second period of time based upon the second health data set, (b) whether the target community goal has been maintained during the second period of time based upon the second community data set, and © whether the target financial goal has been maintained during the second period of time based upon the second financial data set; in response to determining that the target health goal, the target community goal and the target financial goal have been maintained during the second period of time, determining, by the server, one or more personalized rewards for the user; and transmitting, from the server to the plurality of devices associated with the user, information indicating the one or more personalized rewards.

“2. The computer-implemented method of claim 1, wherein determining whether the target health goal has been met includes determining whether the current personal health level is equal to or greater than a desired personal health level during the first period of time.

“3. The computer-implemented method of claim 1, wherein determining whether the target health goal has been maintained includes determining whether the continued personal health level is equal to or greater than the current personal health level during the second period of time.

“4. The computer-implemented method of claim 1, wherein determining whether the target community goal has been met includes determining whether the current community activity level is equal to or greater than a desired community activity level during the first period of time.

“5. The computer-implemented method of claim 1, wherein determining whether the target community goal has been maintained includes determining whether the continued community activity level is equal to or greater than the current community activity level during the second period of time.

“6. The computer-implemented method of claim 1, wherein determining whether the target financial goal has been met includes determining whether the current financial independence level is equal to or greater than a desired financial independence level during the first period of time.

“7. The computer-implemented method of claim 1, wherein determining whether the target financial goal has been maintained includes determining whether the continued financial independence level is equal to or greater than the current financial independence level during the second period of time.

“8. The computer-implemented method of claim 1, wherein determining the one or more personalized rewards comprises: accumulating reward points when the target health goal, the target community goal and the target financial goal have been met during the first period of time; accumulating additional reward points when the target health goal, the target community goal and the target financial goal have been maintained during the second period of time; and determining the one or more personalized rewards based upon the accumulated reward points.

“9. The computer-implemented method of claim 8, wherein the one or more personalized rewards include one or more indications of money, a personalized product, a personalized service, a personalized insurance adjustment, a personalized discount on goods and services, and a personalized recommendation of goods and services.

“10. The computer-implemented method of claim 1, further comprising: establishing, by the server, a plurality of intermediate goals for each of the target health goal, target community goal and target financial goal; and transmitting, by the server to the plurality of devices associate with the user, the plurality of intermediate goals for each of the target health goal, target community goal and target financial goal; wherein: the current and continued personal health levels are determined based upon a completion status of each of the plurality of intermediate goals established for the target health goal, the current and continued community activity levels are determined based upon a completion status of each of the plurality of intermediate goals established for the target community goal, and the current and continued financial independence levels are determined based upon a completion status of each of the plurality of intermediate goals established for the target financial goal.

“11. A computer system for providing personalized rewards for lifestyle management based upon well-being of a user, the system comprising: a plurality of devices associated with the user; and a server communicatively connected to the plurality of devices, the server configured to: receive, from the plurality of devices, a target health goal, a target community goal, and a target financial goal; receive, from the plurality of devices, a first set of data during a first period of time, the first set of data including a first health data set indicating a current personal health level for the user, a first community data set indicating a current community activity level for the user, and a first financial data set indicating a current financial independence level for the user; analyze the first set of data to determine whether: (i) the target health goal has been met during the first period of time based upon the first health data set, (ii) whether the target community goal has been met during the first period of time based upon the first community data set, and (iii) whether the target financial goal has been met during the first period of time based upon the first financial data set; in response to determining that the target health goal, the target community goal and the target financial goal have been met during the first period of time, receive, from the plurality of devices, a second set of data during a second period of time, the second set of data including a second health data set indicating a continued personal health level for the user, a second community data set indicating a continued community activity level for the user, and a second financial data set indicating a continued financial independence level for the user; analyze the second set of data to determine whether: (a) the target health goal has been maintained during the second period of time based upon the second health data set, (b) whether the target community goal has been maintained during the second period of time based upon the second community data set, and © whether the target financial goal has been maintained during the second period of time based upon the second financial data set; in response to determining that the target health goal, the target community goal and the target financial goal have been maintained during the second period of time, determine one or more personalized rewards for the user; and transmit, to the plurality of devices, information indicating the one or more personalized rewards.

“12. The computer system of claim 11, wherein the server is configured to determine whether the target health goal has been met by determining whether the current personal health level is equal to or greater than a desired personal health level during the first period of time.

“13. The computer system of claim 11, wherein the server is configured to determine whether the target health goal has been maintained by determining whether the continued personal health level is equal to or greater than the current personal health level during the second period of time.

“14. The computer system of claim 11, wherein the server is configured to determine whether the target community goal has been met by determining whether the current community activity level is equal to or greater than a desired community activity level during the first period of time.

“15. The computer system of claim 11, wherein the server is configured to determine whether the target community goal has been maintained by determining whether the continued community activity level is equal to or greater than the current community activity level during the second period of time.”

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

For additional information on this patent, see: Boice, Jason W. Methods and systems for rewarding personal well-being. U.S. Patent Number 11270331, filed October 28, 2020, and published online on March 8, 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=11270331.PN.&OS=PN/11270331RS=PN/11270331

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