Patent Issued for Systems and methods for life plan generation and management (USPTO 11436563): State Farm Mutual Automobile Insurance Company

2022 SEP 27 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent by the inventors Sanidas, Tim G. (Bloomington, IL, US), filed on June 16, 2021, was published online on September 6, 2022, according to news reporting originating from Alexandria, Virginia, by NewsRx correspondents.

Patent number 11436563 is assigned to State Farm Mutual Automobile Insurance Company (Bloomington, Illinois, United States).

The following quote was obtained by the news editors from the background information supplied by the inventors: “At least some conventional computer networks (e.g., matching platforms) have enabled consumers to be matched with producers. However, conventional systems usually merely match consumers with producers, and may not provide additional functionality. Further, in the known systems, consumers may not be able to dynamically control their profile and goals to better match themselves with particular producers. Known systems may have other drawbacks as well.”

In addition to the background information obtained for this patent, NewsRx journalists also obtained the inventors’ summary information for this patent: “The present embodiments may relate to systems and methods for electronically connecting consumers with producers. The system may include a life plan management computing device, one or more third party servers, one or more client devices, and/or one or more databases. In one aspect, the consumer flow of interfacing with a life plan management (LPM) computing device may start with the creation of a life map, which is comprised of a series of goals. Once a goal is selected, there may be links to associated categories, subcategories, and producers displayed to the user, as discussed further herein.

“In one aspect, a life plan management (LPM) computing device for connecting consumers with producers is provided. The LPM computing device is in communication with a client computing device and includes at least one processor in communication with at least one memory device. The at least one processor is programmed to i) receive user input from the client computing device, the user input including at least one goal icon selected by the consumer, ii) analyze the at least one goal to determine a plurality of categories associated with the at least one goal, iii) store, in the at least one memory device, the plurality of categories in association with the at least one goal, iv) analyze at least one of the plurality of categories to determine a plurality of producers associated with the at least one category, v) store, in the at least one memory device, the plurality of producers in association with the at least one category, vi) generate an interactive life map for the consumer, the interactive life map including the at least one goal, and enabling the consumer to access the plurality of producers by navigating the life map to select the at least one goal and the at least one category, vii) and cause the interactive life map to be displayed on the client computing device. The LPM computing device may include additional, less, or alternate functionality, including that discussed elsewhere herein.

“In another aspect, a computer-implemented method for connecting consumers with producers is implemented using a life plan management (LPM) computing device in communication with a client computing device. The LPM computing device includes at least one processor in communication with at least one memory device. The method includes i) receiving user input from the client computing device, the user input including at least one goal for the consumer, ii) analyzing the at least one goal to determine a plurality of categories associated with the at least one goal, iii) storing, in the at least one memory device, the plurality of categories in association with the at least one goal, iv) analyzing at least one of the plurality of categories to determine a plurality of producers associated with the at least one category, v) storing, in the at least one memory device, the plurality of producers in association with the at least one category, vi) generating an interactive life map for the consumer, the interactive life map including the at least one goal, and enabling the consumer to access the plurality of producers by navigating the life map to select the at least one goal and the at least one category, and vii) causing the interactive life map to be displayed on the client computing device. The method may include additional, less, or alternate actions, including those discussed elsewhere herein.

“In a further aspect, a life plan management (LPM) computing device is provided. The LPM computing device includes at least one processor in communication with at least one memory device. The LPM computing device is in communication with a client computing device. The at least one processor is programmed to i) cause a plurality of goal icons to be displayed on the client computing device, where each goal icon of the plurality of goal icons is associated with a goal of a plurality of goals, ii) receive user input from the client computing device, the user input including at least one goal icon selected by a consumer associated with the client computing device, iii) determine at least one goal associated with the selected at least one goal icon; iv) generate an interactive life plan for the consumer, the life plan including the at least one goal, and one or more steps for the consumer to achieve the at least one goal; and v) cause the interactive life plan to be displayed on the client computing device. The LPM computing device may include additional, less, or alternate functionality, including that discussed elsewhere herein.

“In a still further aspect, a computer-implemented method for connecting consumers with producers is provided. The method is implemented using a life plan management (LPM) computing device including at least one processor in communication with at least one memory device. The LPM computing device is in communication with a client computing device. The method includes i) causing a plurality of goal icons to be displayed on the client computing device, where each goal icon of the plurality of goal icons is associated with a goal of a plurality of goals, ii) receiving user input from the client computing device, the user input including at least one goal icon selected by a consumer associated with the client computing device, iii) determining at least one goal associated with the selected at least one goal icon, iv) generating an interactive life plan for the consumer, the life plan including the at least one goal, and one or more steps for the consumer to achieve the at least one goal, and v) causing the interactive life plan to be displayed on the client computing device. The method may include additional, less, or alternate actions, including those discussed elsewhere herein.”

The claims supplied by the inventors are:

“1. A life plan management (LPM) computing device comprising at least one processor in communication with at least one memory device, the LPM computing device in communication with a consumer computing device and a producer computing device, the at least one processor programmed to: receive, from the consumer computing device associated with a consumer, a request from the consumer for generating an interactive life plan including at least one goal; transmit, to the consumer computing device, executable instructions to cause a plurality of goal icons to be displayed on the consumer computing device; receive user input from the consumer computing device, the user input including a first goal icon and a second goal icon selected by the consumer; determine a financial goal associated with the selected first goal icon; determine a non-financial goal associated with the selected second goal icon; determine a plurality of suggested actions that will positively impact the likelihood of the consumer fulfilling the financial goal and the non-financial goal; generate a first alert to include at least one suggested action of the plurality of suggested actions; cause the first alert to be displayed on the consumer computing device; receive spending data from the consumer computing device; analyze the spending data to determine a planned, future consumer action that will negatively impact a likelihood of the consumer fulfilling the financial goal; generate a second alert including the planned, future consumer action; and cause the second alert to be displayed on the consumer computing device.

“2. The LPM computing device of claim 1, wherein the at least one processor is further programmed to generate the interactive life plan for the consumer, the life plan including the financial goal, the non-financial goal and one or more steps for the consumer to achieve the financial goal and the non-financial goal.

“3. The LPM computing device of claim 2, wherein the at least one processor is further programmed to: receive a second user input from the consumer via the consumer computing device, the second user input including a user selection of a third goal icon; determine the selected goal associated with the third goal icon by performing a lookup in the at least one memory device using the third goal icon; and adjust the life plan based on the selected goal.

“4. The LPM computing device of claim 2, wherein the at least one processor is further programmed to: determine a plurality of steps associated with each goal in the life plan; and store the plurality of steps in the life plan.

“5. The LPM computing device of claim 4, wherein the at least one processor is further programmed to determine a current status for the consumer for completing each goal in the life plan.

“6. The LPM computing device of claim 5, wherein the at least one processor is further programmed to: receive one or more signals indicating that the consumer has completed the step; determine that the consumer has completed a step based on the current status for the consumer with the corresponding goal; and cause a notification to be displayed on the consumer computing device that the consumer has completed the step.

“7. The LPM computing device of claim 2, wherein the at least one processor is further programmed to: receive, from the consumer computing device, a user input indicating a first priority of a first goal and a second priority of a second goal of the interactive life plan; and cause, a display of the consumer computing device, to display the one or more steps of the first goal to be displayed in relation to the one or more steps of the second goal based on the first priority and the second priority.

“8. The LPM computing device of claim 1, wherein the at least one processor is further programmed to enable the consumer to access the producer via the consumer computing device by causing a link associated with the producer to be displayed on the consumer computing device.

“9. The LPM computing device of claim 8, wherein the at least one processor is further programmed to display a plurality of producers associated with the one goal, wherein the consumer is able to select one or more producers of the plurality of producers.

“10. The LPM computing device of claim 1, wherein the at least one processor is further programmed to: receive additional data about the consumer; and generate the life plan based on the at least one goal specified by the consumer and the additional data.

“11. The LPM computing device of claim 10, wherein the at least one processor is further programmed to: analyze the spending data to determine a suggested consumer action that will increase a likelihood of the consumer fulfilling the at least one goal; generate an alert including the suggested consumer action; and cause the alert to be displayed on the consumer computing device.

“12. The LPM computing device of claim 1, wherein the at least one processor is further programmed to cause recommendations to be displayed on the consumer computing device to assist the consumer to achieve at least one goal of the life plan, wherein the recommendations include at least one of a checklist, an article, a video, and a testimonial.

“13. A computer-implemented method for life plan management, the method implemented using a life plan management (LPM) computing device comprising at least one processor in communication with at least one memory device, the LPM computing device in communication with a consumer computing device and a producer computing device associated, the at least one processor in communication with at least one memory device, the method comprising: receiving, from the consumer computing device, a request from a consumer for generating an interactive life plan including at least one goal; transmitting, to the consumer computing device, executable instructions to cause a plurality of goal icons to be displayed on the consumer computing device; receiving user input from the consumer computing device, the user input including a first goal icon and a second goal icon selected by the consumer; determining a financial goal associated with the selected first goal icon; determining a non-financial goal associated with the selected second goal icon; determining a plurality of suggested actions that will positively impact the likelihood of the consumer fulfilling the financial goal and the non-financial goal; generating a first alert to include at least one suggested action of the plurality of suggested actions; causing the first alert to be displayed on the consumer computing device; receiving spending data from the consumer computing device; analyzing the spending data to determine a planned, future consumer action that will negatively impact a likelihood of the consumer fulfilling the financial goal; generating a second alert including the planned, future consumer action; and causing the second alert to be displayed on the consumer computing device.

“14. The method of claim 13 further comprising generating the interactive life plan for the consumer, the life plan including the financial goal, the non-financial goal and one or more steps for the consumer to achieve the financial goal and the non-financial goal.

“15. The method of claim 14 further comprising: receiving a second user input from the consumer via the consumer computing device, the second user input including a user selection of a third goal icon; determining the selected goal associated with the third goal icon, by performing a lookup in the at least one memory device using the third goal icon; and adjusting the life plan based on the selected goal.

“16. The method of claim 14 further comprising: enabling the consumer to access the producer via the consumer computing device by causing a link associated with the producer to be displayed on the consumer computing device.

“17. The method of claim 16 further comprising displaying a plurality of producers associated with the one goal in the life plan, wherein the consumer is able to select one or more producers of the plurality of producers.

“18. The method of claim 14 further comprising: determining a plurality of steps associated with each goal in the life plan; storing the plurality of steps in the life plan; determining a current status for the consumer for completing each goal in the life plan; determining that the consumer has completed a step based on the current status for the consumer with the corresponding goal; and causing a notification to be displayed on the consumer computing device that the consumer has completed the step.

“19. The method of claim 13 further comprising: receiving spending data for the consumer; analyzing the spending data to determine a suggested consumer action that will increase a likelihood of the consumer fulfilling the at least one goal; generating an alert including the suggested consumer action; and causing the alert to be displayed on the consumer computing device.”

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

URL and more information on this patent, see: Sanidas, Tim G. Systems and methods for life plan generation and management. U.S. Patent Number 11436563, filed June 16, 2021, and published online on September 6, 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=11436563.PN.&OS=PN/11436563RS=PN/11436563

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