Patent Issued for Methods and systems for rewarding personal well-being (USPTO 11615437): State Farm Mutual Automobile Insurance Company

2023 APR 19 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- State Farm Mutual Automobile Insurance Company (Bloomington, Illinois, United States) has been issued patent number 11615437, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are 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).

This patent was filed on February 2, 2022 and was published online on March 28, 2023.

From the background information supplied by the inventors, news correspondents obtained the following quote:

“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.”

Supplementing the background information on this patent, NewsRx reporters 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 rewards for lifestyle management of a user, comprising: receiving, by a server from devices associated with the user, a health goal, a community goal, and a financial goal; determining, by the server using a first data set received from the devices during a first time period, whether the health goal, the community goal, and the financial goal were met during the first time period, the first data set indicating a current health level, a current community activity level, and a current financial independence level of the user; responding to determining that the health goal, the community goal, and the financial goal were met by determining, by the server using a second data set received from the devices during a second time period, whether the health goal, the community goal, and the financial goal were maintained during the second time period, the second data set indicating a continued health level, a continued community activity level, and a continued financial independence level of the user; and responding to determining that the health goal, the community goal, and the financial goal were maintained by transmitting, from the server to the devices, information indicating at least one reward for the user.

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

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

“4. The computer-implemented method of claim 1, wherein determining whether the 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 time period.

“5. The computer-implemented method of claim 1, wherein determining whether the 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 time period.

“6. The computer-implemented method of claim 1, wherein determining whether the 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 time period.

“7. The computer-implemented method of claim 1, wherein determining whether the 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 time period.

“8. The computer-implemented method of claim 1, further comprising: accumulating reward points when the health goal, the community goal and the financial goal were met during the first time period; accumulating additional reward points when the health goal, the community goal and the financial goal were maintained during the second time period; and determining the at least one reward based upon the accumulated reward points.

“9. The computer-implemented method of claim 8, wherein the at least one reward includes 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 health goal, the community goal, and the financial goal; and transmitting, by the server to the devices, the plurality of intermediate goals; wherein the current and continued health levels are determined based upon a completion status of each of the plurality of intermediate goals established for the 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 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 financial goal.

“11. A computer system for providing rewards for lifestyle management of a user, comprising: devices associated with the user; and a server communicatively connected to the devices, the server configured to: receive, from the devices, a health goal, a community goal, and a financial goal; determine, using a first data set received from the devices during a first time period, whether the health goal, the community goal, and the financial goal were met during the first time period, the first data set indicating a current health level, a current community activity level, and a current financial independence level of the user; respond to determining that the health goal, the community goal, and the financial goal were met by determining, using a second data set received from the devices during a second time period, whether the health goal, the community goal, and the financial goal were maintained during the second time period, the second data set indicating a continued health level, a continued community activity level, and a continued financial independence level of the user; and respond to determining that the health goal, the community goal, and the financial goal were maintained by transmitting to the devices information indicating at least one reward for the user.

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

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

“14. The computer system of claim 11, wherein the server is configured to determine whether the 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 time period.

“15. The computer system of claim 11, wherein the server is configured to determine whether the 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 time period.

“16. The computer system of claim 11, wherein the server is configured to determine whether the 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 time period.

“17. The computer system of claim 11, wherein the server is configured to determine whether the 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 time period.

“18. The computer system of claim 11, wherein the server is further configured to: accumulate reward points when the health goal, the community goal and the financial goal were met during the first time period; accumulate additional reward points when the health goal, the community goal and the financial goal were maintained during the second time period; and determining the at least one reward based upon the accumulated reward points.

“19. The computer system of claim 18, wherein the at least one reward includes 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.

“20. The computer system of claim 11, wherein the server is further configured to: establish a plurality of intermediate goals for each of the health goal, the community goal, and the financial goal; and transmit, to the devices, the plurality of intermediate goals; wherein the current and continued health levels are determined based upon a completion status of each of the plurality of intermediate goals established for the 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 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 financial goal.”

For the URL and additional information on this patent, see: Boice, Jason W. Methods and systems for rewarding personal well-being. U.S. Patent Number 11615437, filed February 2, 2022, and published online on March 28, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11615437)&db=USPAT&type=ids

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