Patent Issued for Systems and methods for integrating, aggregating and utilizing data from a plurality of data sources (USPTO 11301930): United Services Automobile Association

2022 MAY 02 (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 Barth, Ryan R. (San Antonio, TX, US), Duran, Francisco A. (San Antonio, TX, US), Garretson, Elizabeth (Fair Oaks Ranch, TX, US), Griffin, Jr., Donald H. (Peoria, AZ, US), Langley, Guy R. (San Antonio, TX, US), Lindley, Jason W. (Schertz, TX, US), Roberts, David W. (Helotes, TX, US), Tarrillion, Ann C. (San Antonio, TX, US), filed on May 19, 2020, was published online on April 12, 2022.

The assignee for this patent, patent number 11301930, is United Services Automobile Association (San Antonio, Texas, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “The exponential growth of electronic data has unfortunately not been coupled with a correlated ability to integrate and effectively utilize all of the data. Although an individual company may have access to vast stores of information about their members, the information is at best utilized inefficiently.

“Accordingly, there is an unmet need to provide the ability to integrate and aggregate data from various databases, and also to provide the output of that combination to a member management representative, such as when speaking to a member to whom the data may relate.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “The purpose and advantages of the below described illustrated embodiments will be set forth in and apparent from the description that follows. Additional advantages of the illustrated embodiments will be realized and attained by the devices, systems, and methods particularly pointed out in the written description and the claims herein, as well as from the drawings.

“To achieve these and other advantages and in accordance with the purpose of the illustrated embodiments, in one embodiment, described herein are systems and methods for integrating various data sources and presenting the information to member service representatives. In this embodiment, an integrated desktop is displayed on a computing device utilized by a representative of a company, and the integrated desktop may include information about a member of the company. Data from a plurality of data sources is retrieved, correlated and displayed in the integrated desktop.

“In another embodiment, the system identifies a first and second service that a company offers, with a member being enrolled in both services. Based on the member’s enrollment in one of the services, and further based on application of a business rule, a recommendation is generated for the member to edit their selected options for one of the services (e.g., based on the member having car insurance coverage from the company, a recommendation is generated for the member to change their life insurance policy to pay double for accidental death).

“In yet another embodiment, the system identifies a first service that a member is enrolled in and a second service that the member is not enrolled in. Based on the member’s enrollment in the first service, and further based on application of a business rule, a recommendation is generated for the member to enroll in the company’s offering of the second service (e.g., based on the member having a mortgage with the company, a recommendation is generated for the member to enroll in a home insurance policy).”

The claims supplied by the inventors are:

“1. A computer implemented method for evaluating customer services comprising: aggregating a first database and a second database to produce a resultant database, wherein the first database relates to a first service offered by a company, and wherein the second database relates to a second service offered by the company, and wherein the aggregation is based on a current telephonic interaction between a member of the company and a customer service representative of the company, wherein the member comprises a customer of the company who is enrolled in both the first service and the second service; storing the resultant database; displaying, using the resultant database, information about the member in an interface of an integrated desktop on a computing device, the computing device being utilized by the representative of a company; evaluating the member’s enrollment in both the first service and the second service relating to the member’s subscribed services to determine a recommended change to the member’s enrollment in the subscribed services based upon current member enrollment in both the first and second services and based upon the current information; analyzing prior interactions between the member and customer service representatives of the company to determine a most relevant interaction; displaying the determined most relevant interaction in the integrated desktop interface; retrieving additional information from a third database relative to the member’s current information and aggregating the additional information with the resultant database; and correlating the additional information and the recommended change to produce new correlated data in a new prioritized format; and displaying the new correlated data in the prioritized format in a customer representative interface, wherein the prioritized format is based at least in part on current information received by the representative in the current interaction with the member.

“2. The computer implemented method as recited in claim 1, wherein the prioritized format comprises prominently displaying the current information.

“3. The computer implemented method of claim 1, wherein the integrated desktop further includes planned future interactions between the company and the member, wherein the planned future interactions included in the integrated desktop are analyzed for relevance according to the business rule.

“4. The computer implemented method of claim 3, further including the steps: querying a plurality of data sources for information related to the member; receiving information related to the member from querying the plurality of data sources; and applying a business rule to categorize and prioritize the received information, wherein the step of displaying the integrated desktop comprises displaying a subset of the received information according to the business rule.

“5. The computer implemented method of claim 4, further including the steps: selecting a first service selected from the group consisting of mortgage services, banking services, credit card services, automobile loan services, investment management services, insurance services and housing services, wherein the member is enrolled in the company’s offering of the first service; selecting a second service selected from the group consisting of mortgage services, banking services, credit card services, automobile loan services, investment management services, insurance services and housing services, wherein the second service is different than the first service, and wherein the member is not enrolled in the company’s offering of the second service; and recommending the member enroll in the second service with the company based on the member’s enrollment in the company’s offering of the first service.

“6. The computer implemented method of claim 1, further including the steps: selecting a first service selected from the group consisting of mortgage services, banking services, credit card services, automobile loan services, investment management services, insurance services and housing services, wherein the member is enrolled in the company’s offering of the first service; selecting a second service selected from the group consisting of mortgage services, banking services, credit card services, automobile loan services, investment management services, insurance services and housing services, wherein the first service is different than the second service, and wherein the member is enrolled in the company’s offering of the second service; and recommending the member approve a change of a setting to the member’s enrollment in the first service based on the member’s enrollment in the company’s offering of the second service.

“7. A computer system for evaluating customer services, comprising: a memory configured to store instructions; a processor disposed in communication with the memory, wherein said processor upon execution of the instructions is configured to: aggregate a first database and a second database to produce a resultant database, wherein the first database relates to a first service offered by a company, and wherein the second database relates to a second service offered by the company, and wherein the aggregation is based on a current telephonic interaction between a member of the company and a customer service representative of the company, wherein the member comprises a customer of the company who is enrolled in both the first service and the second service; store the resultant database; display, using the resultant database, information about the member in an interface of an integrated desktop on a computing device, the computing device being utilized by the representative of a company; correlate the information from the resultant database in a prioritized format wherein prioritization is determined based upon a predictive business rule and previous interactions between the member and a company representative relative to the member’s enrollment in the first and second services, and wherein the prioritization is further determined based upon current information communicated by the member to the representative in the current interaction between the member and the representative, the correlated data being analyzed for relevance according to the predictive business rule and displayed within the integrated desktop in the prioritized format, wherein the prioritized format comprises prominently displaying the current information; evaluate the member’s enrollment in both the first service retrieved from the first database and the second service retrieved from the second database relating to member subscribed services to determine a recommended change to the member’s enrollment based upon current member enrollment in both the first and second services and based upon the current information; analyze prior interactions between the member and customer service representatives of the company to determine a most relevant interaction; display the determined most relevant interaction in the integrated desktop interface; retrieve additional information from a third database relative to the member’s current information and aggregating the additional information with the resultant database to produce a third database; and correlate the additional information and the recommended change to produce new correlated data in a new prioritized format; and display the new correlated data in the prioritized format in the interface, wherein the prioritized format is based at least in part on current information received by the representative in the current interaction with the member.

“8. The computer system of claim 7, wherein the integrated desktop further includes planned future interactions between the company and the member, wherein the planned future interactions included in the integrated desktop are analyzed for relevance according to the business rule.

“9. The computer system of claim 8, wherein the processor is further configured to: query the plurality of data sources for information related to the member; receiving information related to the member; and apply a business rule to categorize and prioritize the received information, wherein the step of displaying the integrated desktop comprises displaying a subset of the received information according to the business rule.

“10. The computer system of claim 7, wherein the processor is further configured to: select a first service selected from the group consisting of mortgage services, banking services, credit card services, automobile loan services, investment management services, insurance services and housing services, wherein the member is enrolled in the company’s offering of the first service; select a second service selected from the group consisting of mortgage services, banking services, credit card services, automobile loan services, investment management services, insurance services and housing services, wherein the second service is different than the first service, and wherein the member is not enrolled in the company’s offering of the second service; and based on the member’s enrollment in the company’s offering of the first service, recommend the member enroll in the second service with the company.

“11. The computer system of claim 10, wherein the processor is further configured to: receive an application from the member to enroll in the company’s offering of the second service; and enroll the member in the company’s offering of the second service.”

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

For more information, see this patent: Barth, Ryan R. Systems and methods for integrating, aggregating and utilizing data from a plurality of data sources. U.S. Patent Number 11301930, filed May 19, 2020, and published online on April 12, 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=11301930.PN.&OS=PN/11301930RS=PN/11301930

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