Patent Issued for Systems and methods for adaptive learning to replicate peak performance of human decision making (USPTO 11720900): United Services Automobile Association

2023 AUG 25 (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 Rangan, Gopinath (Milpitas, CA, US), filed on February 10, 2021, was published online on August 8, 2023.

The assignee for this patent, patent number 11720900, is United Services Automobile Association (San Antonio, Texas, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “More than 50 million Americans suffer from some form of mental health disorder. Mental health disorders affect an individual’s mood, thinking and behavior. Mental health is classified as a disorder when ongoing signs and symptoms result in frequent stress and the ability to function.

“The causes of mental health disorders are generally based upon genetic and environmental factors. For example, genetic factors include inherited traits from relatives. Environmental factors may include exposures prior to birth, e.g., while in the womb, from viruses, toxins, alcohols or drugs. Further, brain chemistry based upon biochemical changes can affect mood and other aspect of mental health.

“Poor decisions are typically made by individuals suffering from diminished mental health capacity. While unintended, these poor decisions can result in significant financial hardships affecting individuals and their loved ones.

“What is desired is a system and method to reduce and/or eliminate the likelihood of individuals with mental health disorders making poor financial decisions.”

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 explained in more depth in the detailed description below. This summary is not intended to limit the scope of the claimed subject matter. The foregoing needs are met, to a great extent, by the present application directed to methods and systems for facilitating transactions based upon the current mental health of an individual.

“In a first aspect of the application, a computer-implemented apparatus for facilitating transactions is described. The apparatus includes a non-transitory memory having instructions stored thereon for performing an evaluation of user performance prior to proceeding with a transaction. The apparatus also includes a processor, operably coupled to the non-transitory memory. The processor is configured to perform the instructions of displaying, on a graphical user interface (GUI), an input box requesting a user to input information associated with the transaction. The processor is also configured to receive, via the GUI, information from the user associated with the transaction. The processor is also configured to perform the instruction of evaluating the received information associated with the transaction based upon decision criteria.

“In a second aspect of the application, a computer-implemented method for facilitating transactions is described. The method includes a step of displaying, on a GUI, an input box requesting a user to input information associated with the transaction. The method also includes a step of receiving, via a GUI over a network, the information from the user associated with the transaction. The method further includes a step of evaluating the received information associated with the transaction based on decision criteria including whether the transaction exceeds a predetermined financial threshold. The method even further includes a step of sending, via the graphical user interface, an approval to the user after the evaluation.”

The claims supplied by the inventors are:

“1. A system, comprising: at least one processor; and a memory communicatively coupled to the at least one processor, the memory storing instructions which, when executed, cause the at least one processor to: generate a graphical user interface that facilitates performing a financial transaction, wherein the graphical user interface comprises: an input box configured to receive a request for performing the financial transaction, wherein the request is indicative of a financial transaction value; a previous financial transactions box configured to receive one or more previous financial transactions of a user associated with the financial transaction that are similar to the financial transaction via a distributed ledger, and display the one or more previous financial transactions in response to receiving a selection of the one or more previous financial transactions box via the graphical user interface; and a popular financial transactions box configured to receive one or more popular financial transactions that are similar to the financial transaction via the distributed ledger, and display the one or more popular financial transactions in response to receiving a selection of the one or more popular financial transactions box via the graphical user interface; receive the request indicative of the financial transaction value via the input box; determine whether the financial transaction value exceeds a predetermined financial transaction value threshold; in response to the financial transaction value exceeding the predetermined financial transaction value threshold, determine a score by evaluating one or more factors based on one or more weighted values associated with the one or more factors, wherein the one or more weighted values are predetermined based on whether a mental health disorder is associated with the user; in response to the score not exceeding a threshold, provide a recommendation for adjusting the request based on the previous financial transactions, the popular financial transactions, or both; and provide an indication of approval of the financial transaction via the graphical user interface after receiving a response to the recommendation.

“2. The system of claim 1, wherein the instructions cause the at least one processor to store the financial transaction on the distributed ledger in response to providing the indication of approval of the financial transaction.

“3. The system of claim 1, wherein the recommendation for adjusting the request comprises a recommended financial transaction value for the financial transaction below the financial transaction value.

“4. The system of claim 3, wherein the instructions cause the at least one processor to provide the recommendation for adjusting the request by providing a final decision window via the graphical user interface to accept or deny the recommended financial transaction value.

“5. The system of claim 1, wherein the one or more factors comprise a time of day associated with receiving the request, an age of the user, a climate where the user is located, or any combination thereof.

“6. The system of claim 1, the instructions cause the at least one processor to determine the score based on using an equation to consider the one or more weighted values associated with the one or more factors to calculate the score.

“7. The system of claim 1, wherein the instructions cause the at least one processor to: determine that the request is associated with a contract that comprises one or more terms in response to receiving the request; and display the one or more terms via the graphical user interface.

“8. The system of claim 7, wherein the contract comprises a smart contract associated with the financial transaction that is stored on the distributed ledger.

“9. A computer-implemented method comprising: generating, by at least one processor, a graphical user interface that enables performing a financial transaction, wherein the graphical user interface comprises: an input box configured to receive a request for performing the financial transaction, wherein the request is indicative of a financial transaction value; a previous financial transactions box configured to receive one or more previous financial transactions of a user associated with the financial transaction that are similar to the financial transaction via a distributed ledger, and display the one or more previous financial transactions in response to receiving a selection of the one or more previous financial transactions box via the graphical user interface; and a popular financial transactions box configured to receive one or more popular financial transactions of other users that are similar to the financial transaction via the distributed ledger, and display the one or more popular financial transactions in response to receiving a selection of the one or more popular financial transactions box via the graphical user interface; receiving the request, by the at least one processor and via the input box of the graphical user interface, indicative of the financial transaction value; determining, by the at least one processor, that the financial transaction value exceeds a financial transaction value threshold; in response to the financial transaction value exceeding the financial transaction value threshold, determining, by the at least one processor, a score by evaluating one or more factors based on one or more weighted values associated with the one or more factors, wherein the one or more weighted values are predetermined based on whether a mental health disorder is associated with the user; and in response to the score not exceeding a threshold, providing, by the at least one processor and via the graphical user interface, an indication of refusal of the financial transaction.

“10. The computer-implemented method of claim 9, comprising: in response to the score not exceeding the threshold, evaluating, by the at least one processor, one or more additional criteria associated with the financial transaction; and providing, by the at least one processor and via the graphical user interface, an indication of approval or the indication of refusal of the financial transaction based on evaluating the one or more additional criteria.

“11. The computer-implemented method of claim 10, comprising providing an indication of approval in response to determining, by the at least one processor, that at least one of the one or more previous financial transactions or at least one of the one or more popular financial transactions are previously approved.

“12. The computer-implemented method of claim 9, comprising storing, by the at least one processor, the request and the score on the distributed ledger.

“13. The computer-implemented method of claim 9, wherein the graphical user interface comprises a denied financial transactions box configured to display one or more previous financial transactions, one or more popular financial transactions, or both, that are previously denied.

“14. One or more non-transitory computer-readable storage media comprising instructions which, when executed by at least one processor, cause the at least one processor to: generate a graphical user interface that enables performing a financial transaction, wherein the graphical user interface comprises: an input box configured to receive a request for performing the financial transaction, wherein the request is indicative of a financial transaction value; a previous financial transactions box configured to receive one or more previous financial transactions of a user associated with the financial transaction that are similar to the financial transaction via a distributed ledger, and display the one or more previous financial transactions in response to receiving a selection of the one or more previous financial transactions box via the graphical user interface; and a popular financial transactions box configured to receive one or more popular financial transactions of other users that are similar to the financial transaction via the distributed ledger, and display the one or more popular financial transactions in response to receiving a selection of the one or more popular financial transactions box via the graphical user interface; receive the request indicative of the financial transaction value via the input box; determine that the financial transaction value exceeds a financial transaction value threshold; in response to the financial transaction value exceeding the financial transaction value threshold, determine a score by evaluating one or more factors based on one or more weighted values associated with the one or more factors, wherein the one or more weighted values are predetermined based on whether a mental health disorder is associated with the user; and in response to the score exceeding a threshold, provide an indication of refusal of the financial transaction while providing a recommended value for the financial transaction via the graphical user interface based on the one or more previous financial transactions that are similar to the financial transaction, the one or more popular financial transactions that are similar to the financial transaction, or both.

“15. The one or more non-transitory computer-readable storage media of claim 14, wherein the one or more factors comprise a time of day associated with receiving the request, an age of the user, a climate where the user is located, or any combination thereof.

“16. The one or more non-transitory computer-readable storage media of claim 14, wherein providing the recommended value for the financial transaction comprises displaying a final decision window via the graphical user interface to whether accept or deny the recommended value for the financial transaction.”

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

For more information, see this patent: Rangan, Gopinath. Systems and methods for adaptive learning to replicate peak performance of human decision making. U.S. Patent Number 11720900, filed February 10, 2021, and published online on August 8, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11720900)&db=USPAT&type=ids

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