Patent Issued for System and method for a fast rental application (USPTO 11769196): State Farm Mutual Automobile Insurance Company

2023 OCT 16 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- According to news reporting originating from Alexandria, Virginia, by NewsRx journalists, a patent by the inventors Bobsin, Angela Rachelle (Scottsdale, AZ, US), Clark, Troy (Bloomington, IL, US), Lawson, Matt (Chicago, IL, US), Wooden, Abigail R. (Bloomington, IL, US), filed on July 11, 2022, was published online on September 26, 2023.

The assignee for this patent, patent number 11769196, is State Farm Mutual Automobile Insurance Company (Bloomington, Illinois, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “The background description provided herein is for the purpose of generally presenting the context of the disclosure. Work of the presently named inventors, to the extent it is described in this background section, as well as aspects of the description that may not otherwise qualify as prior art at the time of filing, are neither expressly nor impliedly admitted as prior art against the present disclosure.

“When applying to rent housing, a renter may need to provide a variety of personal information such as rental history, job history, references and other personal data. Providing such information can be cumbersome because a renter may not be able to remember all of the necessary information and because such information may not be easily accessible. In turn, an apartment search can become a chore, especially if each apartment rental application requires different information.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “This Summary is provided to introduce a selection of concepts in a simplified form that are further described below in the Detailed Description. This Summary is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter.

“One embodiment of the techniques of this disclosure is a computer-implemented method for a fast rental application. The method may include receiving, at a backend server via a computer network, a login corresponding to a profile in a profile repository, wherein each profile includes first data corresponding to a user associated with the profile and a plurality of categories, and wherein the categories include at least personal information, rental history, and employment history; receiving, at the backend server by one or more processors, second data corresponding to the user associated with the profile from one or more search databases; automatically determining, at the backend server by one or more processors, categories of the plurality of categories to which the second data belongs using a trained machine learning algorithm; retrieving, at the backend server by one or more processors, the first data from one or more databases; generating, at the backend server by one or more processors, updated user data corresponding to the user associated with the profile based upon at least the first data and the second data; storing, at the backend server, at least the updated user data in the profile; receiving, at the backend server via the computer network, an indication that a rental application corresponding to the user associated with the profile is to be transmitted to a property manager; and transmitting, from the backend server to a client device corresponding to the property manager, the rental application based on a preferred method of transmission.

“In another embodiment of the disclosure a fast rental application system including a first client device corresponding to a user, a second client device corresponding to a property manager, and a data server including one or more processors and one or more memories. The one or more memories may include instructions executed on the one or more processors to: receive, from the first client device via a computer network, a login corresponding to a profile in a profile repository, wherein each profile includes first data corresponding to a user associated with the profile and a plurality of categories, and wherein the categories include at least personal information, rental history and employment history; receive, from the first client device via a computer network, second data corresponding to the user associated with the profile from one or more search databases; automatically determine categories of the plurality of categories to which the second data belongs using a trained machine learning algorithm; retrieve the first data from one or more databases communicatively coupled to the data server; generate updated user data corresponding to the user associated with the profile based upon at least the first data and the second data; store, at the data server, at least the updated user data in the profile; receive, from the first client device via the computer network, an indication that a rental application corresponding to the user associated with the profile is to be transmitted to a property manager; and transmit the rental application to the second client device corresponding to the property manager based on a preferred method of transmission.

“In yet another embodiment of the disclosure a non-transitory, computer-readable medium stores instructions that specifically configure one or more processors of a computer system. When executed by one or more processors, the instructions cause the computer system to: receive a login corresponding to a profile in a profile repository, wherein each profile includes first data corresponding to a user associated with the profile and a plurality of categories, and wherein the categories include at least personal information, rental history and employment history; receive second data corresponding to the user associated with the profile from one or more search databases; automatically determine categories of the plurality of categories to which the second data belongs using a trained machine learning algorithm; retrieve the first data from one or more databases; generate updated user data corresponding to the user associated with the profile based upon at least the first data and the second data; store at least the updated user data in the profile; receive an indication that a rental application corresponding to the user associated with the profile is to be transmitted to a property manager; and transmit the rental application to a client device corresponding to the property manager.

“Advantages will become more apparent to those skilled in the art from the following description of the preferred embodiments which have been shown and described by way of illustration. As will be realized, the present embodiments may be capable of other and different embodiments, and their details are capable of modification in various respects. Accordingly, the drawings and description are to be regarded as illustrative in nature and not as restrictive.”

The claims supplied by the inventors are:

“1. A computer-implemented method for a fast rental application, the method comprising: receiving, at a backend server via a computer network, a login corresponding to a profile in a profile repository, wherein each profile includes first data corresponding to a user associated with the profile and a plurality of categories, and wherein the categories include at least personal information, rental history, and employment history; receiving, at the backend server by one or more processors, second data corresponding to the user associated with the profile from one or more search databases; automatically determining, at the backend server by one or more processors, categories of the plurality of categories to which the second data belongs using a trained machine learning algorithm; retrieving, at the backend server by one or more processors, the first data from one or more databases; generating, at the backend server by one or more processors, updated user data corresponding to the user associated with the profile based upon at least the first data and the second data, wherein generating the updated user data includes updating one or more categories of the plurality of categories based on the determined categories; storing, at the backend server, at least the updated user data in the profile; updating, at the backend server, a rental application based on at least the updated user data; receiving, at the backend server via the computer network, an indication that the rental application corresponding to the user associated with the profile is to be transmitted to a property manager; and transmitting, from the backend server to a client device corresponding to the property manager, the rental application based on a preferred method of transmission.

“2. The computer-implemented method of claim 1, further comprising: receiving a request for the rental application corresponding to the user associated with the profile from the client device of the property manager; transmitting the request for the rental application corresponding to the user associated with the profile to a client device corresponding to the user associated with the profile; receiving an indication that the request is accepted via the client device corresponding to the user associated with the rental application; and wherein transmitting the rental application to the client device of the property manager is responsive to receiving the indication that the request is accepted.

“3. The computer-implemented method of claim 1, further comprising: verifying, by one or more processors, that the second data corresponds to the user associated with the profile.

“4. The computer-implemented method of claim 1, further comprising: determining, by one or more processors, that the profile is missing data required by a property manager; and transmitting, by one or more processors, a request for the missing data to the one or more search databases; wherein the second data includes the missing data.

“5. The computer-implemented method of claim 1, further comprising: determining, by one or more processors, that the profile is missing data required by a property manager; and causing, by one or more processors, a client device corresponding to the user associated with the profile to display an indication of the missing data to the user.

“6. The computer-implemented method of claim 1, wherein determining the categories of the plurality of categories includes: analyzing the second data using one or more of QR code scanning, bar-code scanning or computer speech recognition.

“7. The computer-implemented method of claim 1, the categories of the profile can further include one or more of credit history, insurance history, references or preferences.

“8. The computer-implemented method of claim 1, wherein transmitting the display interface includes generating a private identification number to access the profile.

“9. A non-transitory, computer-readable medium storing instructions that specifically configure one or more processors of a computer system such that, when executed by one or more processors, the instructions cause the computer system to: receive a login corresponding to a profile in a profile repository, wherein each profile includes first data corresponding to a user associated with the profile and a plurality of categories, and wherein the categories include at least personal information, rental history and employment history; receive second data corresponding to the user associated with the profile from one or more search databases; automatically determine categories of the plurality of categories to which the second data belongs using a trained machine learning algorithm; retrieve the first data from one or more databases; generate updated user data corresponding to the user associated with the profile based upon at least the first data and the second data, wherein generating the updated user data includes updating one or more categories of the plurality of categories based on the determined categories; store at least the updated user data in the profile; update a rental application based on at least the updated user data; receive an indication that the rental application corresponding to the user associated with the profile is to be transmitted to a property manager; and transmit the rental application to a client device corresponding to the property manager.

“10. The non-transitory, computer-readable medium of claim 9, further storing instructions to: verify that the second data corresponds to the user associated with the profile.

“11. The non-transitory, computer-readable medium of claim 9, further storing instructions to: determine that the profile is missing data required by a property manager; and transmit a request for the missing data to the one or more search databases; wherein the second data includes the missing data.

“12. The non-transitory, computer-readable medium of claim 9, further storing instructions to: determine that the profile is missing data required by a property manager; and cause a client device corresponding to the user associated with the profile to display an indication of the missing data to the user.

“13. A rental application system, the system comprising: a first client device corresponding to a user, a second client device corresponding to a property manager, and a data server including one or more processors and one or more memories, the one or more memories including instructions executed on the one or more processors to: receive, from the first client device via a computer network, a login corresponding to a profile in a profile repository, wherein each profile includes first data corresponding to a user associated with the profile and a plurality of categories, and wherein the categories include at least personal information, rental history and employment history; receive, from the first client device via a computer network, second data corresponding to the user associated with the profile from one or more search databases; automatically determine categories of the plurality of categories to which the second data belongs using a trained machine learning algorithm; retrieve the first data from one or more databases communicatively coupled to the data server; generate updated user data corresponding to the user associated with the profile based upon at least the first data and the second data, wherein generating the updated user data includes updating one or more categories of the plurality of categories based on the determined categories; store, at the data server, at least the updated user data in the profile; update a rental application based on at least the updated user data; receive, from the first client device via the computer network, an indication that the rental application corresponding to the user associated with the profile is to be transmitted to a property manager; and transmit the rental application to the second client device corresponding to the property manager based on a preferred method of transmission.

“14. The computer-system of claim 13, wherein the one or more memories include further instructions to: receive a request for the rental application corresponding to the user associated with the profile from the second client device corresponding to the property manager; transmit the request for the rental application corresponding to the user associated with the profile to the first client device corresponding with the user associated with the profile; receive an indication that the request is accepted via the first client device corresponding to the user associated with the rental application; and wherein transmitting the rental application to the second client device corresponding to the property manager is responsive to receiving the indication that the request is accepted.

“15. The computer-system of claim 14, wherein determining the categories of the plurality of categories includes: analyzing the second data using one or more of QR code scanning, bar-code scanning or computer speech recognition.

“16. The computer-system of claim 13, wherein the memories include further instructions to: verify that the second data corresponds to the user associated with the profile.

“17. The computer-system of claim 13, wherein the memories include further instructions to: determine that the profile is missing data required by a property manager; and transmit a request for the missing data to the one or more search databases; wherein the second data includes the missing data.

“18. The computer-system of claim 13, wherein the memories include further instructions to: determine that the profile is missing data required by a property manager; and cause the first client device to display an indication of the missing data to the user.”

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

For more information, see this patent: Bobsin, Angela Rachelle. System and method for a fast rental application. U.S. Patent Number 11769196, filed July 11, 2022, and published online on September 26, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11769196)&db=USPAT&type=ids

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