Patent Issued for Systems and methods for capturing, managing, and using receipt data (USPTO 11367104): United Services Automobile Association

2022 JUL 08 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- United Services Automobile Association (San Antonio, Texas, United States) has been issued patent number 11367104, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Lyle, Ruthie D. (Durham, NC, US), Mortensen, Maland Keith (San Antonio, TX, US), Oakes, III, Charles Lee (Boerne, TX, US).

This patent was filed on January 5, 2017 and was published online on June 21, 2022.

From the background information supplied by the inventors, news correspondents obtained the following quote: “After making a purchase, a customer typically receives a receipt. Receipts can include information such as the location, time and date, amount of a purchase, and method of payment. Receipts can also include information such as the brand of a purchased item, the number of points redeemed toward a future purchase, and savings on the purchase. However, receipts are often tossed in the trash or not collected by purchasers.”

Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “Various embodiments of the present disclosure generally relate to receipt data. More specifically, various embodiments of the present disclosure relate to methods and systems for capturing, managing, and using line items in receipt data for use in multiple applications.

“Receipt data may be used, for example, to monitor and improve health. Conventionally, an average user who wishes to monitor their eating habits and lifestyle has to manually enter information pertaining to their diets or exercise regimen into some kind of a mobile or desktop application managed by a third party. In some situations, users have to weigh their portion sizes or calories to determine what to enter in these programs. In many scenarios, a user has no knowledge of what to enter or whether he or she is entering the correct calorific information. This can lead to erroneous monitoring so that a user might not benefit from these programs.

“Receipt data may be used in managing the user’s health by generating customized recommendations for healthier items of consumable goods or services (e.g., food or beverage). For example, the disclosed system can identify (from the receipt data of a user’s purchase at a grocery store) that a user has purchased a first brand of cereal which has a higher sugar content than a second brand of cereal. Upon detecting the purchase, and in view of monitoring the user’s blood sugar readings, the system can provide personalized recommendations to the user to swap the first cereal with the second cereal. In some embodiments, the monitored-health data can be shared with health services providers, life insurance providers, and medical insurance providers. Such information may be used by insurance providers to lower rates for the user (e.g., a health insurance provider may reduce the user’s premium costs for improved behavior).

“In another example, insurable items can be determined from receipt line item data, and insurance policies can be offered for the insurable items. For example, based on receipt information identifying that a user has purchased filters for an air conditioner, the system can determine that a user has an air conditioner, and accordingly offer an insurance policy that covers the air conditioner. In another example, if a user wishes to insure a television (detected by the system as having purchased by the user based on a receipt) in a living room of the user, the system can request from the user an image of the television. The system can scan the image submitted by the user to identify additional insurable items (e.g., home theater, couch, etc.). The insurance policy can be a new policy or an extension of an existing policy.

“Other examples of using receipt data include creating forecasts geared toward budgeting, saving and facilitating donations to charities based on a percentage of price of one or more items in receipt line data.”

The claims supplied by the inventors are:

“1. A method implemented by a server, the method comprising: capturing, via a mobile device running a mobile application, receipt data indicating a purchase, of a first consumable item of goods or services by a user; assigning a health score based on the user purchasing the first consumable item; establishing, via a low energy signal within a store, a connection with the mobile device; detecting, via the mobile application running on the mobile device, a location of the user within the store, by detecting wireless communication signals broadcasted at an entrance or exit of an aisle within the store, wherein the store contains a second consumable item of goods or services; receiving, via one or more wearable computing devices attached to the user within the store, continuously captured health data including an exercise level of the user; correlating the health data with the receipt data to determine a mapping between a health of the user within the store and a purchase habit of the first consumable item of goods or services; generating, for the user within the store, a real-time in-store recommendation to swap the first consumable item with the second consumable item, wherein the real-time in-store recommendation identifies the first consumable item and the second consumable item, and wherein the real-time in-store recommendation is based on A) the second consumable item containing different ingredients than the first consumable item, B) the mapping between the health of the user and the purchase habit, and C) the location of the user within the store; communicating, to the mobile device of the user within the store, the real-time in-store recommendation for the second consumable item of goods or services with a price of the second consumable item; updating the health score based on the user purchasing the second consumable item containing different ingredients than the first consumable item; and communicating, to a computing device of an insurance provider, the updated health score based on the user purchasing the second consumable item, wherein the insurance provider offers discounted insurance to the user based on the updated health score.

“2. The method of claim 1, wherein the health data includes at least one of a number of steps walked, a number of calories burned, a number of miles ran, a number of miles biked, a number of miles swam, an amount of weight lifted during a workout, a number of repetitions and sets of an exercise performed, a time duration of the exercise, heartrate, body weight, body density, pulse, or a type of exercise.

“3. The method of claim 1, wherein correlating the health data with the receipt data to determine the mapping between the health of the user and the purchase habit of the first consumable item of goods or services includes: generating a custom list for the user, the custom list including information relating to at least one of: options for healthy food and beverage, options for exercise, or options for leading a healthy stress-free life.

“4. The method of claim 1, further comprising: communicating, to a health insurance provider of the user, the mapping between the health of the user and the purchase habit of the first consumable item of goods or services.

“5. The method of claim 1, wherein the mapping between the health of the user and the purchase habit of the first consumable item of goods or services is used to provide discounts on health insurance or life insurance policies.

“6. The method of claim 1, further comprising: generating a custom list for the user based on an analysis of historical purchase habits of the user, the historical purchase habits included in data collected from prior receipts of consumable items of goods or services.

“7. The method of claim 1, further comprising: detecting information identifying a purchase context associated with the first consumable item of goods or services via the mobile device of the user.

“8. The method of claim 1, further comprising: detecting information identifying a purchase context associated with the first consumable item of goods or services via the mobile device of the user, wherein a wireless communication signal broadcasted by a device located external to the mobile device of the user generates the information identifying the purchase context.

“9. The method of claim 8, wherein the purchase context includes at least one of: a time, the store, goods or services, and types of goods or services, wherein the method further comprises: receiving reviews of consumable items of goods or services from the user.

“10. A non-transitory computer-readable storage medium storing instructions that, when executed by a computing system, cause the computing system to perform a process comprising: capturing, via a mobile device running a mobile application, receiving receipt data indicating a purchase, of a first consumable item of goods or services by a user; assigning a health score based on the user purchasing the first consumable item; establishing, via a low energy signal within a store, a connection with the mobile device; detecting, via the mobile application running on the mobile device, a location of the user within the store, by detecting wireless communication signals broadcasted at an entrance or exit of an aisle within the store, wherein the store contains a second consumable item of goods or services; receiving, via one or more wearable computing devices attached to the user within the store, continuously captured health data including an exercise level of the user; correlating the health data with the receipt data to determine a mapping between a health of the user within the store and a purchase habit of the first consumable item of goods or services; generating, for the user within the store, a real-time in-store recommendation to swap the first consumable item with the second consumable item, wherein the real-time in-store recommendation identifies the first consumable item and the second consumable item, and wherein the real-time in-store recommendation is based on A) the second consumable item containing different ingredients than the first consumable item, B) the mapping between the health of the user and the purchase habit, and C) the location of the user within the store; communicating, to the mobile device of the user within the store, the real-time in-store recommendation for the second consumable item of goods or services with a price of the second consumable item; updating the health score based on the user purchasing the second consumable item containing different ingredients than the first consumable item; and communicating, to a computing device of an insurance provider, the updated health score based on the user purchasing the second consumable item, wherein the insurance provider offers discounted insurance to the user based on the updated health score.

“11. The non-transitory computer-readable storage medium of claim 10, wherein correlating the health data with the receipt data to determine the mapping between the health of the user and the purchase habit of the first consumable item of goods or services includes: generating a custom list for the user, the custom list including information relating to at least one of: options for healthy food and beverage, options for exercise, or options for leading a healthy stress-free life.

“12. The non-transitory computer-readable storage medium of claim 10, wherein the process further comprises: communicating, to a health insurance provider of the user, the mapping between the health of the user and the purchase habit of the first consumable item of goods or services.

“13. The non-transitory computer-readable storage medium of claim 10, wherein the mapping between the health of the user and the purchase habit of the first consumable item of goods or services is used to provide discounts on health insurance or life insurance policies.

“14. The non-transitory computer-readable storage medium of claim 10, wherein the process further comprises: generating a custom list for the user based on an analysis of historical purchase habits of the user, the historical purchase habits included in data collected from prior receipts of consumable items of goods or services.

“15. The non-transitory computer-readable storage medium of claim 10, wherein the process further comprises: detecting information identifying a purchase context associated with the first consumable item of goods or services via the mobile device of the user, wherein a wireless communication signal broadcasted by a device located external to the mobile device of the user generates the information identifying the purchase context, and wherein the purchase context includes at least one of: a time, the store, goods or services, and types of goods or services.”

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

For the URL and additional information on this patent, see: Lyle, Ruthie D. Systems and methods for capturing, managing, and using receipt data. U.S. Patent Number 11367104, filed January 5, 2017, and published online on June 21, 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=11367104.PN.&OS=PN/11367104RS=PN/11367104

(Our reports deliver fact-based news of research and discoveries from around the world.)