Patent Issued for Onboarding platform for performing dynamic mitigation analysis (USPTO 11574357): Allstate Insurance Company

2023 FEB 24 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- Allstate Insurance Company (Northbrook, Illinois, United States) has been issued patent number 11574357, 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 February 7, 2023.

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 determine that a predetermined period of time has elapsed since finalizing an onboarding process. In response to determining that the predetermined period of time has elapsed since finalizing the onboarding process, the computing platform may send a spot check verification notification and one or more commands to display the spot check verification notification. The computing platform may receive, from the mobile device, one or more spot check 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 spot check verification inputs. The computing platform may receive, from the mitigation analysis and output generation platform, a spot check verification output indicating a degree of correlation between the one or more received spot check verification inputs and expected spot check verification inputs. In response to determining that the spot check verification output exceeds a predetermined mitigation threshold, the computing platform may send one or more commands directing a client management platform to display a mitigation notification interface, where the mitigation notification interface prompts for user input to void purchase of a product corresponding to the onboarding process or conduct an additional verification test. In response to determining that the additional verification test should be conducted, the computing platform may send mitigation interface information and one or more commands directing the mobile device to display a spot check mitigation interface based on the mitigation interface information, where the spot check mitigation interface prompts for one or more additional spot check verification inputs indicative of the user identity.

“In some arrangements, the computing platform may determine an amount of time elapsed during the onboarding process. In response to determining that a correlation between the amount of time elapsed during the onboarding process and an expected onboarding process time does not exceed a predetermined onboarding time correlation threshold, the computing platform may void purchase of the product corresponding the onboarding process.

“In some examples, the onboarding process may correspond to a process for purchasing the product and wherein the product corresponds to a particular product type. In some arrangements, the computing platform may determine the particular product type. The computing platform may determine the expected onboarding process time based on the particular product type.

“In some arrangements, the one or more spot check verification inputs may correspond to one or more onboarding verification inputs received during the onboarding process. In some arrangements, the one or more spot check verification inputs may correspond to one or more of a pulse, a voice signature, a retinal/iris scan, a motion signature, a fingerprint, a code response, global positioning system (GPS) data, a photograph, air sensor data, ambient noise data, a heart rate, acceleration data, and a pressure change.

“In some arrangements, the one or more spot check verification inputs may be received while a video conference session is established between the mobile device and the client management platform. In some arrangements, prior to sending the spot check verification notification and one or more commands to display the spot check verification notification, the computing platform may determine that a verified digital identity signature was received. In some arrangements, the one or more commands directing the mitigation analysis and output generation platform to analyze the one or more spot check verification inputs may direct the mitigation analysis and output generation platform to compare the one or more spot check verification inputs to verification information from a client verification database.”

The claims supplied by the inventors are:

“1. A computing platform comprising: a memory that stores data associated with a plurality of products, a plurality of product types and information corresponding to one or more users in a database, wherein for each of the one or more users, the information comprises a user identifier, and a device identifier of a mobile device, wherein each of the plurality of product types comprises a mitigation threshold; at least one processor; and a communication interface communicatively coupled to the at least one processor; and wherein the memory further comprises computer-readable instructions that, when executed by the at least one processor, cause the at least one processor to perform steps of: determining that a period of time has elapsed since finalizing an onboarding process of a product of the plurality of products from a user of the one or more users, wherein the product is previously purchased by the user during the onboarding process; determining the device identifier of the mobile device associated with the user by querying the database; establishing, via the communication interface, one or more wireless data connections with the mobile device of the user and with a sensor device of the user; sending, to the mobile device of the user and in response to determining that the period of time has elapsed since finalizing the onboarding process, a spot check verification notification and one or more commands to display the spot check verification notification; receiving, from the mobile device and the sensor device of the user, one or more first spot check verification inputs comprising information corresponding to an identity of the user; sending, to a mitigation analysis and output generation platform, the received one or more first spot check verification inputs; receiving, from the mitigation analysis and output generation platform, a spot check verification output, wherein the spot check verification output comprises a degree of correlation between the one or more received first spot check verification inputs and expected spot check verification inputs; determining a product type of the product by querying the database; determining a mitigation threshold based on the product type of the product by querying the database; in response to determining that the spot check verification output exceeds the mitigation threshold, sending one or more commands to display a mitigation notification interface prompting for user input to void purchase of the product previously purchased during the onboarding process or conduct an additional verification test; in response to receiving the user input to conduct an additional verification test, sending, to the mobile device, one or more commands to display a spot check verification interface prompting for one or more second spot check verification inputs corresponding to the identity of the user; receiving, from the mobile device, the one or more second spot check verification inputs; validating the identity of the user based on the one or more second spot check verification inputs; and sending a confirmation of the identity of the user for the product in response to the validation.

“2. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the at least one processor to perform steps of: determining an amount of time during the onboarding process; and in response to determining that a correlation between the amount of time elapsed during the onboarding process and an expected onboarding process time does not exceed a predetermined onboarding time correlation threshold, voiding purchase of the product corresponding the onboarding process.

“3. The computing platform of claim 2, wherein the onboarding process corresponds to a process for purchasing the product, and wherein the product corresponds to a particular product type.

“4. The computing platform of claim 3, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the at least one processor to perform a step of: determining the expected onboarding process time based on the product type of the product.

“5. The computing platform of claim 1, wherein the one or more spot check verification inputs match one or more onboarding verification inputs received during the onboarding process.

“6. The computing platform of claim 1, wherein the one or more spot check verification inputs comprise one or more of a pulse, a voice signature, a retinal/iris scan, a motion signature, a fingerprint, a code response, global positioning system (GPS) data, a photograph, air sensor data, ambient noise data, a heart rate, acceleration data, or a pressure change.

“7. The computing platform of claim 6, wherein the one or more spot check verification inputs are received while a video conference session is established between the mobile device and a client management platform.

“8. The computing platform of claim 1, wherein the memory stores additional computer-readable instructions that, when executed by the at least one processor, further cause the at least one processor to perform a step of: sending, prior to sending the spot check verification notification and the one or more commands to display the spot check verification notification, a digital identity signature.

“9. A method using a computing platform comprising at least one processor, a communication interface communicatively coupled to the at least one processor and a memory, the method comprising: storing, by the computing platform in a database in the memory, data associated with a plurality of products, a plurality of product types and information corresponding to one or more users in a database, wherein for each of the one or more users, the information comprises a user identifier, and a device identifier of a mobile device, wherein each of the plurality of product types comprises a mitigation threshold; determining, by the computing platform, that a period of time has elapsed since finalizing an onboarding process of a product of the plurality of products from a user of the one or more users, wherein the product is previously purchased by the user during the onboarding process; determining, by the computing platform, the device identifier of the mobile device associated with the user by querying the database; establishing, via the communication interface, one or more wireless data connections with the mobile device of the user and with a sensor device of the user; sending, by the computing platform to the mobile device of the user and in response to determining that the period of time has elapsed since finalizing the onboarding process, a spot check verification notification and one or more commands to display the spot check verification notification; receiving, by the computing platform from the mobile device and the sensor device of the user, one or more first spot check verification inputs comprising information corresponding to an identity of the user; sending, by the computing platform to a mitigation analysis and output generation platform, the received one or more first spot check verification inputs; receiving, by the computing platform, from the mitigation analysis and output generation platform, a spot check verification output, wherein the spot check verification output comprises a degree of correlation between the one or more received first spot check verification inputs and expected spot check verification inputs; determining, by the computing platform, a product type of the product; determining, by the computing platform, determine a mitigation threshold based on the product type of the product by querying the database; in response to determining that the spot check verification output exceeds the mitigation threshold, sending, by the computing platform, one or more commands to display a mitigation notification interface prompting for user input to void purchase of the product previously purchased during the onboarding process or conduct an additional verification test; in response to receiving the user input to conduct an additional verification test, sending, by the computing platform to the mobile device, one or more commands to display a spot check verification interface prompting for one or more second spot check verification inputs corresponding to the identity of the user; receiving, by the computing platform from the mobile device, the one or more second spot check verification inputs; validating, by the computing platform, the identity of the user based on the one or more second spot check verification inputs; and sending, by the computing platform, a confirmation of the identity of the user for the product in response to the validation.

“10. The method of claim 9, further comprising: determining, by the computing platform, an amount of time during the onboarding process; and in response to determining that a correlation between the amount of time elapsed during the onboarding process and an expected onboarding process time does not exceed a predetermined onboarding time correlation threshold, voiding purchase of the product corresponding the onboarding process.

“11. The method of claim 10, wherein the onboarding process corresponds to a process for purchasing the product and wherein the product corresponds to a particular product type.

“12. The method of claim 11, further comprising: determining, by the computing platform, the particular product type; and determining, by the computing platform, the expected onboarding process time based on the particular product type of the product.

“13. The method of claim 9, wherein the one or more spot check verification inputs match one or more onboarding verification inputs received during the onboarding process.”

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 11574357, filed January 2, 2019, and published online on February 7, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11574357)&db=USPAT&type=ids

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