Patent Issued for Systems and methods for electronically matching online user profiles (USPTO 11776062): State Farm Mutual Automobile Insurance Company

2023 OCT 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 Brannan, Joseph Robert (Bloomington, IL, US), Gross, Ryan Michael (Normal, IL, US), Harvey, Brian N. (Bloomington, IL, US), Riley, Sr., Matthew Eric (Heyworth, IL, US), Wilson, J. Lynn (Normal, IL, US), filed on May 13, 2021, was published online on October 3, 2023.

The assignee for this patent, patent number 11776062, is State Farm Mutual Automobile Insurance Company (Bloomington, Illinois, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “At least some known computer networks have enabled users to increasingly interact with each other. With the advent of technology-based social interaction, the sharing of resources and activities within local communities has increased dramatically. However, due to the lack of in person interaction between users, many users are unwilling to trust other users, specifically when performing peer-to-peer buying/selling, renting, and/or sharing products and services using these known computer networks.

“Therefore, there is a need for networking architecture that may be used to provide reliable, transparent, and secure information about users to other users.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “The present embodiments may relate to systems and methods for electronically generating, matching, and providing online user profiles, and determining a sharing score between the online user profiles. The system may include a matching computing device, one or more insurance provider servers, one or more client systems, one or more social media servers, one or more third party servers, and/or one or more databases.

“In one aspect, a matching computer system for determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may include a processor in communication with at least one memory device. The processor may be configured to: (i) register, with the matching computer system, one or more users; (ii) receive consent from the one or more users to capture social media data associated with social media activities of each respective user; (iii) collect the social media data and insurance data from each registered user; (iv) retrieve the social media data and the insurance data associated with each registered user; and/or (v) determine a trust score for each registered user based, at least in part, upon each respective social media data and each respective insurance data, wherein the trust score represents a level of trustworthiness of the user. The computer system may include additional, less, or alternate functionality, including that discussed elsewhere herein.

“In another aspect, a computer-implemented method for determining a trust score for a user based upon at least social media data and insurance data is provided. The method may be implemented by a matching computer system including at least one processor. The method may include: (i) registering, with the matching computer system, one or more users; (ii) receiving consent from the one or more users to capture social media data associated with social media activities of each respective user; (iii) collecting the social media data and insurance data from each registered user; (iv) retrieving the social media data and the insurance data associated with each registered user; and/or (v) determining a trust score for each registered user based, at least in part, upon each respective social media data and each respective insurance data, wherein the trust score represents a level of trustworthiness of the user. The method may include additional, less, or alternate actions, including those discussed elsewhere herein.

“In yet another aspect, at least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon for determining a trust score for a user based upon at least social media data and insurance data is provided. When executed by at least one processor, the computer-executable instructions cause the processor to: (i) register, with the matching computer system, one or more users; (ii) receive consent from the one or more users to capture social media data associated with social media activities of each respective user; (iii) collect the social media data and insurance data from each registered user; (iv) retrieve the social media data and the insurance data associated with each registered user; and/or (v) determine a trust score for each registered user based, at least in part, upon each respective social media data and each respective insurance data, wherein the trust score represents a level of trustworthiness of the user. The instructions may direct additional, less, or alternate functionality, including that discussed elsewhere herein.

“In another aspect, a matching computer system for determining a sharing score between online user profiles is provided. The matching computer system may include a processor in communication with at least one memory device. The processor may be configured to: (i) generate a first online user profile associated with a first user, wherein the first online user profile comprises at least one of first insurance data, first social media data, first third party data, first user data, and first sharing data associated with a first user; (ii) generate a second online user profile associated with a second user, wherein the second online user profile comprises at least one of second insurance data, second social media data, second third party data, second user data, and second sharing data associated with a second user; (iii) calculate a first base score associated with the first user based upon the first online user profile, wherein the first base score represents a first level of trustworthiness of the first user; (iv) calculate a second base score associated with the second user based upon the second online user profile wherein the second base score represents a second level of trustworthiness of the second user; and/or (v) determine a sharing score between the first and second users based upon the first and second base scores, wherein the sharing score represents a level of matching between the first online user profile and the second online user profile. The computer system may include additional, less, or alternate functionality, including that discussed elsewhere herein.”

The claims supplied by the inventors are:

“1. A matching computer system for determining a trust score for a user based upon at least social media data and insurance data, the matching computer system including at least one processor in communication with at least one memory device, wherein the at least one processor is configured to: receive, from one or more user computing devices associated with one or more users, consent from the one or more users to capture the social media data associated with social media activities of each user of the one or more users; collect the social media data and the insurance data for each user, wherein the social media data is collected from at least one social media server and the insurance data is collected from at least one insurance provider server; store, within the at least one memory device, the social media data and the insurance data; retrieve, from the at least one memory device, the social media data and the insurance data associated with each user; apply a scoring algorithm to the social media data and the insurance data associated with each user, wherein the scoring algorithm is automatically updated and refined, by the matching computer system, by utilizing feedback data received from the one or more user computing devices associated with the one or more users, the feedback data including user-satisfaction data associated with at least one user of the one or more users and relating to at least one previous transaction involving the at least one user, the at least one previous transaction including an exchange of a good or service with the at least one user; and determine a trust score for each user based, at least in part, upon the application of the scoring algorithm to the social media data and the insurance data associated with each user, wherein the trust score represents a level of trustworthiness of the user.

“2. The matching computer system of claim 1, wherein the at least one processor is further configured to register, with the matching computer system, the one or more users.

“3. The matching computer system of claim 1, wherein the at least one processor is further configured to receive the consent from the one or more users to capture telematics data associated with usage of one or more items that each respective user is interested in at least one of renting and offering for rent.

“4. The matching computer system of claim 3, wherein the at least one processor is further configured to: collect, via one or more sensors associated with the one or more items, the telematics data; store, within the at least one memory device, the telematics data; retrieve, the at least one memory device, the telematics data; apply the scoring algorithm to each respective telematics data; and determine the trust score for each registered user based, at least in part, upon the application of the scoring algorithm to each respective telematics data.

“5. The matching computer system of claim 3, wherein each registered user is one of a consumer and a provider, wherein the consumer is associated with a consumer computing device, wherein the provider is associated with a provider computing device, wherein the consumer is interested in renting the one or more items, and wherein the provider is interested in offering for rent the one or more items.

“6. The matching computer system of claim 5, wherein the trust score is one of a consumer trust score associated with the consumer and a provider trust score associated with the provider.

“7. The matching computer system of claim 1, wherein the at least one processor is further configured to: determine a social media score for each registered user based upon each respective social media data; and determine the trust score for each registered user based, at least in part, upon each respective social media score and each respective insurance data.

“8. A computer-implemented method of determining a trust score for a user based upon at least social media data and insurance data, the method implemented by a matching computer system including at least one processor in communication with at least one memory device, the method comprising: receiving, from one or more user computing devices associated with one or more users, consent from the one or more users to capture the social media data associated with social media activities of each user of the one or more users; collecting the social media data and the insurance data for each user, wherein the social media data is collected from at least one social media server and the insurance data is collected from at least one insurance provider server; storing, within the at least one memory device, the social media data and the insurance data; retrieving, from the at least one memory device, the social media data and the insurance data associated with each user; applying a scoring algorithm to the social media data and the insurance data associated with each user, wherein the scoring algorithm is automatically updated and refined, by the matching computer system, by utilizing feedback data received from the one or more user computing devices associated with the one or more users, the feedback data including user-satisfaction data associated with at least one user of the one or more users and relating to at least one previous transaction involving the at least one user, the at least one previous transaction including an exchange of a good or service with the at least one user; and determining a trust score for each user based, at least in part, upon the application of the scoring algorithm to the social media data and the insurance data associated with each user, wherein the trust score represents a level of trustworthiness of the user.

“9. The computer-implemented method of claim 8 further comprising registering, with the matching computer system, the one or more users.

“10. The computer-implemented method of claim 8 further comprising receiving the consent from the one or more users to capture telematics data associated with usage of one or more items that each respective user is interested in at least one of renting and offering for rent.

“11. The computer-implemented method of claim 10 further comprising: collecting, via one or more sensors associated with the one or more items, the telematics data; storing, within the at least one memory device, the telematics data; retrieving, the at least one memory device, the telematics data; applying the scoring algorithm to each respective telematics data; and determining the trust score for each registered user based, at least in part, upon the application of the scoring algorithm to each respective telematics data.

“12. The computer-implemented method of claim 10, wherein each registered user is one of a consumer and a provider, wherein the consumer is associated with a consumer computing device, wherein the provider is associated with a provider computing device, wherein the consumer is interested in renting the one or more items, and wherein the provider is interested in offering for rent the one or more items.

“13. The computer-implemented method of claim 12, wherein the trust score is one of a consumer trust score associated with the consumer and a provider trust score associated with the provider.

“14. The computer-implemented method of claim 8 further comprising: determining a social media score for each registered user based upon each respective social media data; and determining the trust score for each registered user based, at least in part, upon each respective social media score and each respective insurance data.

“15. At least one non-transitory computer-readable storage medium having computer-executable instructions embodied thereon for determining a trust score for a user based upon at least social media data and insurance data, wherein when executed by at least one processor included in a matching computer system and in communication with at least one memory device, the computer-executable instructions cause the at least one processor to: receive, from one or more user computing devices associated with one or more users, consent from the one or more users to capture the social media data associated with social media activities of each user of the one or more users; collect the social media data and the insurance data for each user, wherein the social media data is collected from at least one social media server and the insurance data is collected from at least one insurance provider server; store, within the at least one memory device, the social media data and the insurance data; retrieve, from the at least one memory device, the social media data and the insurance data associated with each user; apply a scoring algorithm to the social media data and the insurance data associated with each user, wherein the scoring algorithm is automatically updated and refined, by the matching computer system, by utilizing feedback data received from the one or more a user computing devices associated with the one or more users, the feedback data including user-satisfaction data associated with at least one user of the one or more users and relating to at least one previous transaction involving the at least one user, the at least one previous transaction including an exchange of a good or service with the at least one user; and determine a trust score for each user based, at least in part, upon the application of the scoring algorithm to the social media data and the insurance data associated with each user, wherein the trust score represents a level of trustworthiness of the user.

“16. The computer-readable storage medium of claim 15, wherein the computer-executable instructions further cause the at least one processor to register, with the matching computer system, the one or more users.”

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

For more information, see this patent: Brannan, Joseph Robert. Systems and methods for electronically matching online user profiles. U.S. Patent Number 11776062, filed May 13, 2021, and published online on October 3, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11776062)&db=USPAT&type=ids

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