Patent Issued for Onboarding platform for performing dynamic mitigation analysis (USPTO 11481732): Allstate Insurance Company

2022 NOV 16 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- Allstate Insurance Company (Northbrook, Illinois, United States) has been issued patent number 11481732, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Appiagyei-Dankah, Araba (Chicago, IL, US), Hayes, Howard (Glencoe, IL, US), Kumar, Surender (Palatine, IL, US), Olenak, Matthew (Chicago, IL, US), Patel, Avani (Chicago, IL, US), Rugel, John (Hawthorn Woods, IL, US).

This patent was filed on January 2, 2019 and was published online on October 25, 2022.

From the background information supplied by the inventors, news correspondents obtained the following quote: “Aspects of the disclosure relate to enhanced processing systems for providing mitigation and spot check verification outputs using improved methods for analysis of one or more client verification inputs. Many organizations and individuals rely on an onboarding process for purchasing products. In many instances, however, a user identity may be falsified during the onboarding process. There remains an ever-present need to develop alternative solutions to improve client verification during and after the onboarding process.”

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 client verification during and after an onboarding process. In accordance with one or more arrangements discussed herein, a computing platform having at least one processor, a communication interface, and memory may initiate an onboarding process with a mobile device. The computing platform may receive, from the mobile device, one or more onboarding verification inputs indicative of a user identity. The computing platform may send one or more commands directing a mitigation analysis and output generation platform to analyze the one or more onboarding verification inputs. The computing platform may receive, from the mitigation analysis and output generation platform, a mitigation output indicating a degree of correlation between the one or more received onboarding verification inputs and expected onboarding verification inputs. In response to determining that the mitigation output exceeds a predetermined mitigation threshold, the computing platform may send mitigation interface information and one or more commands directing the mobile device to display an onboarding mitigation interface based on the mitigation interface information, wherein the onboarding mitigation interface prompts for one or more additional onboarding verification inputs indicative of the user identity.

“In some examples, the one or more onboarding verification inputs may comprise one or more of a user identification document, a fingerprint, a facial signature, a biometric iris recognition input, a date of birth, a code response, a voice signature, a global positioning system (GPS) signature, a video, an international mobility equipment identifier (IMEI), a usage signature, a pulse, and a number of uses of the mobile device. In some arrangements, receiving the one or more onboarding verification inputs may comprise receiving, from one or more sensors of the mobile device, the one or more onboarding verification inputs.

“In some arrangements, the onboarding mitigation interface may indicate that an in-person interview will be conducted. In some arrangements, the computing platform may determine an amount of time that has elapsed since initiation of the onboarding process, which may result in an additional onboarding verification input, and the one or more commands directing the mitigation analysis and output generation platform to analyze the one or more onboarding verification inputs may also direct the mitigation analysis and output generation platform to analyze the additional onboarding verification input.

“In some arrangements, the amount of time may be less than a predetermined contestability period. In some arrangements, the additional onboarding verification input may be one or more of GPS data, photos, air sensor data, ambient noise, heart rate, acceleration data, pressure changes, a movement signature, and health information.

“In some examples, the onboarding mitigation interface may correspond to a video call between the mobile device and a client management platform. In some arrangements, the computing platform may generate a digital identity signature based on the one or more onboarding verification inputs. In some arrangements, the computing platform may send the digital identity signature to the mitigation analysis and output generation platform for storage.”

The claims supplied by the inventors are:

“1. A computing platform comprising: memory that stores information corresponding to one or more users in a database, wherein the stored information, for each of the one or more users, comprises a user identifier and pulse information, wherein the pulse information is associated with the user identifier; a processor; a communication interface communicatively coupled to the processor; and wherein the memory further comprises instructions that, when executed by the processor, cause the processor to perform steps of: establishing, via the communication interface, a first wireless data connection with a first mobile device of a first user of the one or more users; receiving, via the communication interface, a first request for a product via an onboarding process from the first mobile device wherein the first request includes a first user identifier of the first user; establishing, via the communication interface, a second wireless data connection with a first sensor device corresponding to the first user, wherein the first sensor device is a smart watch associated with the first mobile device; receiving, via the communication interface, first pulse information associated with the first user from the first sensor device over the established second wireless data connection; retrieving, via the communication interface, the stored pulse information from the database using the first user identifier included in the first request; comparing the first pulse information to the retrieved pulse information; generating a mitigation output based on the comparison of the first pulse information to the retrieved pulse information; determining that the mitigation output exceeds a mitigation threshold; obtaining additional information corresponding to an identity of the first user in response to determining that the mitigation output exceeds the mitigation threshold; validating the identity of the first user based on the received additional information corresponding to the identity of the first user; completing the onboarding process with the first user for the product, wherein completing the onboarding further comprises generating a first digital identity signature for the first user; storing the first digital identity signature associated with the first user identifier in the database in the memory; determining that a period of time has expired since completion of the onboarding process with the first user for the product; updating a display of the first mobile device to include a second request to provide second pulse information, wherein the updating the display further comprises receiving the second pulse information associated with the first user identifier; validating the second pulse information using the stored pulse information associated with the first user identifier; and sending a confirmation of the identity of the first user based on the validation of the second pulse information.

“2. The computing platform of claim 1, wherein the first request further includes one or more of a user identification document, a fingerprint, a facial signature, a biometric iris recognition input, a date of birth, a code response, a voice signature, a global positioning system (GPS) signature, a video, an international mobility equipment identifier (IMEi), a usage signature, and a number of uses of the first mobile device.

“3. The computing platform of claim 1, wherein receiving the first request further comprises receiving information from a plurality of sensors associated with the first mobile device.

“4. The computing platform of claim 1, wherein the second request to provide the second pulse information includes a prompt for an in-person interview.

“5. The computing platform of claim 1, wherein the period of time is less than a contestability period.

“6. The computing platform of claim 5, wherein the additional information comprises one or more of GPS data, photos, air sensor data, ambient noise, heart rate, acceleration data, pressure changes, a movement signature, and health information.

“7. The computing platform of claim 1, wherein the generating the first digital identity signature comprises generating the first digital identity signature based on one or more of the first request and the additional information.

“8. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the processor, further cause the processor to perform steps of: establishing a third wireless data connection via the communication interface with a mitigation analysis and output generation platform, wherein communications between the computing platform and the mitigation analysis and output generation platform are performed while the second wireless data connection is established.

“9. A method using a computing platform comprising a processor, a communication interface communicatively coupled to the processor and a memory, the method comprising: storing, by the computing platform in a database in the memory, information corresponding to one or more users, wherein the store information, for each of the one or more users, comprises a user identifier and pulse information, wherein the stored pulse information is associated with the user identifier; establishing, by the computing platform via the communication interface, a first wireless data connection with a first mobile device of a first user of the one or more users; receiving, by the computing platform via the communication interface, a first request for a product via an onboarding process from the first mobile device, wherein the first request includes a first user identifier of the first user; establishing, by the computing platform via the communication interface, a second wireless data connection with a first sensor device corresponding to the first user, wherein the first sensor device is a smart watch associated with the first mobile device; receiving, by the computing platform via the communication interface, first pulse information associated with the first user from the first sensor device over the established second wireless data connection; retrieving, by the computing platform via the communication interface, the stored pulse information from the database using the first user identifier included in the first request; comparing, by the computing platform, the first pulse information to the retrieved pulse information; generating, by the computing platform, a mitigation output based on the comparison of the first pulse information to the retrieved pulse information; determining, by the computing platform, that the mitigation output exceeds a mitigation threshold; obtaining, by the computing platform, additional information associated with an identity of the first user in response to determining that the mitigation output exceeds the mitigation threshold; validating, by the computing platform, the identity of the first user based on the received additional information corresponding to the identity of the first user; completing, by the computing platform, the onboarding process with the first user for the product, wherein completing the onboarding further comprises generating a first digital identity signature for the first user; storing, by the computing platform, the first digital identity signature associated with the first user identifier in the database in the memory; determining, by the computing platform, that a period of time has expired since completion of the onboarding process with the first user for the product; updating, by the computing platform, a display of the first mobile device to include a second request to provide second pulse information associated with the first user identifier, wherein the updating the display further comprises receiving the second pulse information associated with the first user identifier; receiving, by the computing platform, the second pulse information associated with the user identifier; validating, by the computing platform, the second pulse information using the stored pulse information associated with the first user identifier; sending, by the computing platform, a confirmation of the identity of the first user based on the validation of the second pulse information.

“10. The method of claim 9, wherein the first request further includes one or more of a user identification document, a fingerprint, a facial signature, a voice signature, a global positioning system (GPS) signature, a video, an international mobility equipment identifier (IMEi), a usage signature, and a number of uses of the first mobile device.

“11. The method of claim 9, wherein receiving the first request further comprises receiving information from a plurality of sensors associated with the first mobile device.

“12. The method of claim 9, wherein the request to provide the second pulse information indicates that includes a prompt for an in-person interview.

“13. The method of claim 9, wherein the period of time is less than a contestability period.

“14. The method of claim 13, wherein the additional information comprises one or more of GPS data, photos, air sensor data, ambient noise, heart rate, acceleration data, pressure changes, a movement signature, and health information.

“15. The method of claim 9, wherein generating the first digital identity signature comprises generating the first digital identity signature based on one or more of the client verification request and the additional information.”

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

For the URL and additional information on this patent, see: Appiagyei-Dankah, Araba. Onboarding platform for performing dynamic mitigation analysis. U.S. Patent Number 11481732, filed January 2, 2019, and published online on October 25, 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=11481732.PN.&OS=PN/11481732RS=PN/11481732

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