Patent Issued for Multicomputer processing of user data with centralized event control (USPTO 11694271): Allstate Insurance Company

2023 JUL 21 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- Allstate Insurance Company (Northbrook, Illinois, United States) has been issued patent number 11694271, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Huls, Eric D. (Chicago, IL, US), Irey, Grady (Des Plaines, IL, US), Kazas, Frank (Inverness, IL, US), Lundsgaard, Soren K. (Inverness, IL, US).

This patent was filed on September 4, 2020 and was published online on July 4, 2023.

From the background information supplied by the inventors, news correspondents obtained the following quote: “Aspects of the disclosure relate to electrical computers, digital processing systems, and multicomputer data processing. In particular, one or more aspects of the disclosure relate to enabling multicomputer processing of data from telematics devices with centralized event control.

“As computer systems are increasingly utilized to provide automated and electronic services, such computer systems may obtain and maintain increasing amounts of various types of sensitive information, and ensuring the safety, security, and accuracy of this information may be increasingly important. In many instances, however, it may be difficult to ensure the safety and security of such information while also optimizing the efficient and effective technical operations of the computer systems that process such information and/or provide such automated and electronic services.”

Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “Aspects of the disclosure provide effective, efficient, scalable, and convenient technical solutions that address and overcome the technical problems associated with providing information security and optimizing the efficient and effective technical operations of computer systems. In particular, one or more aspects of the disclosure provide techniques for processing user data using multicomputer data processing technology and centralized event control to improve information security and enhance technical performance.

“In accordance with one or more embodiments, an event control computing platform having at least one processor, a memory, and a communication interface may establish, via the communication interface, a connection to one of a plurality of telematics devices associated with a user. While the connection is established, the event control computing platform may receive vehicle operational data from the one of the plurality of telematics devices associated with the user. Subsequently, the event control computing platform may identify, based on the vehicle operational data, whether at least one criterion associated with the user has been satisfied. Then the event control computing platform may determine, based on the vehicle operational data, that the at least one criterion associated with the user has been satisfied. Next, in response to determining that at least one criterion associated with the user has been satisfied, the event control computing platform may generate a command configured to cause a change to a subunit of user data. Then the event control computing platform may transmit, via the communication interface, the command to a subunit provisioning server.

“In some embodiments, the vehicle operation data may comprise real-time vehicle operational data. In other embodiments, the at least one criterion associated with the user may comprise driving a vehicle associated with the user below a predetermined speed. In other embodiments, the at least one criterion associated with the user may comprise driving a vehicle associated with the user within a predetermined geographic area. In yet other aspects, the at least one criterion associated with the user may comprise not exceeding a maximum rate at which pressure is applied to a braking mechanism associated with a vehicle of the user.

“In further aspects, the event control computing platform may generate an output based on the change to the subunit of the user data. In some aspects, the event control computing platform may transmit a first portion of the output to a user computing device and a second portion of the output to a primary unit provisioning server. In other aspects, the event control computing platform may transmit a first portion of the output to a user computing device, a second portion of the output to a primary unit provisioning server, and a third portion of the output to a subunit provisioning server.

“In some aspects, the event control computing platform may determine that the at least one criterion associated with the user is no longer satisfied (e.g., after determining that the at least one criterion associated with the user is satisfied, making a second, subsequent determination that the at least one criterion associated with the user is not satisfied). Further still, the event control computing platform may generate a second command configured to undo the change to the subunit of the user data. In other aspects, the event control computing platform may transmit, via the communication interface, the second command to the subunit provisioning server.”

The claims supplied by the inventors are:

“1. A computing platform, comprising: at least one processor; a communication interface communicatively coupled to the at least one processor; and memory storing computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: receive, via the communication interface, vehicle operational data from a telematics device associated with a user; identify, based on the vehicle operational data, whether at least one criterion associated with the user has been satisfied; in response to identifying that the at least one criterion associated with the user has been satisfied, generate a first command configured to cause a change to a subunit of user data, wherein the change to the subunit of user data includes transitioning an insurance coverage from a first insurance provider to a second insurance provider and initiating coverage provided by the second insurance provider; and transmit, via the communication interface, the first command to a subunit provisioning server.

“2. The computing platform of claim 1, wherein the vehicle operational data comprises real-time vehicle operational data.

“3. The computing platform of claim 1, wherein the at least one criterion associated with the user comprises driving a vehicle associated with the user below a predetermined speed.

“4. The computing platform of claim 1, wherein the at least one criterion associated with the user comprises driving a vehicle associated with the user within a predetermined geographic area.

“5. The computing platform of claim 1, wherein the at least one criterion associated with the user comprises not exceeding a maximum rate at which pressure is applied to a braking mechanism associated with a vehicle of the user.

“6. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: generate an output based on the change to the subunit of user data.

“7. The computing platform of claim 6, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: transmit a first portion of the output to a user computing device and a second portion of the output to a primary unit provisioning server.

“8. The computing platform of claim 6, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: transmit a first portion of the output to a user computing device, a second portion of the output to a primary unit provisioning server, and a third portion of the output to the subunit provisioning server.

“9. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: determine that the at least one criterion associated with the user is no longer satisfied.

“10. The computing platform of claim 9, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, cause the computing platform to: generate a second command configured to undo the change to the subunit of user data.

“11. The computing platform of claim 10, wherein the second command configured to undo the change to the subunit of user data includes transitioning the coverage provided by the second insurance provider to the first insurance provider and initiating the insurance coverage from the first insurance provider.

“12. A method, comprising: receiving, via a communication interface, vehicle operational data from a telematics device associated with a user; identifying, via a processor based on the vehicle operational data, whether at least one criterion associated with the user has been satisfied; in response to identifying that the at least one criterion associated with the user has been satisfied, generating, via the processor, a first command configured to cause a change to a subunit of user data, wherein the change to the subunit of user data includes transitioning an insurance coverage from a first insurance provider to a second insurance provider and initiating coverage provided by the second insurance provider; and transmitting, via the communication interface, the first command to a subunit provisioning server.

“13. The method of claim 12, further comprising: generating, via the processor, an output based on the change to the subunit of user data.

“14. The method of claim 13, further comprising: transmitting, via the communication interface, a first portion of the output to a user computing device, a second portion of the output to a primary unit provisioning server, and a third portion of the output to the subunit provisioning server.

“15. The method of claim 13, further comprising: transmitting, via the communication interface, a first portion of the output to a user computing device and a second portion of the output to a primary unit provisioning server.

“16. The method of claim 12, wherein the user data is associated with a first level before the change to the subunit of the user data and the subunit of the user data is associated with a second level after the change to the subunit of user data.

“17. The method of claim 12, further comprising: determining, via the processor, that the at least one criterion associated with the user is no longer satisfied.

“18. The method of claim 17, further comprising: in response to the determining that the at least one criterion associated with the user is no longer satisfied, generating, via the processor, a second command configured to undo the change to the subunit of the user data.

“19. The method of claim 18, further comprising: transmitting, via the communication interface, the second command to the subunit provisioning server.

“20. One or more non-transitory computer-readable media storing instructions that, when executed by at least one processor, cause the at least one processor to: receive, via a communication interface, vehicle operational data from a telematics device associated with a user; identify, based on the vehicle operational data, whether at least one criterion associated with the user has been satisfied; in response to identifying that the at least one criterion associated with the user has been satisfied, generate a command configured to cause a change to a subunit of user data, wherein the change to the subunit of user data includes transitioning an insurance coverage from a first insurance provider to a second insurance provider and initiating coverage provided by the second insurance provider; and transmit, via the communication interface, the command to a subunit provisioning server.”

For the URL and additional information on this patent, see: Huls, Eric D. Multicomputer processing of user data with centralized event control. U.S. Patent Number 11694271, filed September 4, 2020, and published online on July 4, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11694271)&db=USPAT&type=ids

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