Patent Issued for Systems and methods for managing individual enrollment data (USPTO 11810413): United Services Automobile Association

2023 NOV 28 (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 Bitter, Dustin Bowen (Lehi, UT, US), Chandler-Bradley, Jennifer Marie (Tampa, FL, US), Farmer, William Daniel (Carrollton, TX, US), Guerra, Oscar (San Antonio, TX, US), Lopez, Jeanie Graciela (San Antonio, TX, US), Ruiz, Mitzi (San Antonio, TX, US), Salazar, Gabrielle Diane (San Antonio, TX, US), filed on June 28, 2022, was published online on November 7, 2023.

The assignee for this patent, patent number 11810413, is United Services Automobile Association (San Antonio, Texas, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “This section is intended to introduce the reader to various aspects of art that may be related to various aspects of the present techniques, which are described and/or claimed below. This discussion is believed to be helpful in providing the reader with background information to facilitate a better understanding of the various aspects of the present disclosure. Accordingly, it should be understood that these statement are to be read in this light, and not as admission of prior art.

“Companies collect data related to individuals for various purposes. For example, a company may request that an individual provide certain personal information prior to the company providing a service to the individual, completing a transaction with the individual, accepting a job application from the individual, and so forth. In particular, the company may request that the individual write the personal information on a paper form or type the personal information into an electronic form, and then the company may review and verify (e.g., by calling references, reviewing public records, and/or completing a background check) the personal information prior to providing the service to the individual, completing the transaction with the individual, accepting the job application from the individual, and so forth.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “One or more specific embodiments will be described below. In an effort to provide a concise description of these embodiments, not all features of an actual implementation are described in the specification. It should be appreciated that in the development of any such actual implementation, as in any engineering or design project, numerous implementation-specific decisions must be made to achieve the developers’ specific goals, such as compliance with system-related and business-related constraints, which may vary from one implementation to another. Moreover, it should be appreciated that such a development effort might be complex and time consuming, but would nevertheless be a routine undertaking of design, fabrication, and manufacture for those of ordinary skill having the benefit of this disclosure.

“When introducing elements of various embodiments of the present disclosure, the articles “a,” “an,” and “the” are intended to mean that there are one or more of the elements. The terms “comprising,” “including,” and “having” are intended to be inclusive and mean that there may be additional elements other than the listed elements. Additionally, it should be understood that references to “one embodiment” or “an embodiment” of the present disclosure are not intended to be interpreted as excluding the existence of additional embodiments that also incorporate the recited features.

“A company may request that an individual (e.g., individual, person) provide certain personal information prior to the company providing a service to the individual, completing a transaction with the individual, accepting a job application from the individual, and so forth. It is presently recognized that an enrollment process for the individual to provide the personal information to the company may be made more efficient by collecting and analyzing various types of data, including passively-collected data (e.g., by the individual carrying out their typical tasks, such as locking/unlocking doors, making calls with a mobile phone, and/or traveling to different locations). As a more specific example, the various types of data may include sensor data obtained by one or more sensors at a residential location associated with the individual (e.g., a door lock sensor that detects the individual locking and/or unlocking the door at times expected for someone who resides at the residential location, which indicates that the individual resides at the residential location) and/or mobile device data obtained by one or more mobile devices associated with the individual (e.g., a global positioning sensor of a mobile phone associated with the individual that detects that the mobile phone is at the residential location at more than 90 percent of nighttime hours, which indicates that the individual resides at the residential location).

“Accordingly, present embodiments relate to an enrollment data management system that receives sensor data from one or more sensors at any of a variety of locations (e.g., residential locations, commercial locations) and/or mobile device data from one or more mobile devices. The enrollment data management system includes a computing system that receives and processes the sensor data and/or the mobile device data to determine enrollment information for the individual. The enrollment information may include a residential address for the individual, a place of employment for the individual, a travel location for the individual, relationships between the individual and other individuals, and so forth. In certain embodiments, the computing system may populate an enrollment form with the enrollment information, and the enrollment form may then be presented on a display for visualization by the individual and/or a representative of the company. The display may prompt input for modification or confirmation of the provided information.

“In certain embodiments, the computing system may utilize the enrollment information to take some action, such as to provide the service to the individual, complete the transaction with the individual, accept the job application from the individual, and so forth. For example, in response to determining the enrollment information (e.g., satisfactory enrollment information, such as enrollment information that establishes the residential address of the individual), the computing system may generate an insurance policy for individual and/or open a bank account for the individual. It is envisioned that the enrollment information determined in this manner (e.g., based on the sensor data and/or the mobile device data) may satisfy regulations (e.g., company and/or government regulations) related to various enrollment processes, such as regulations that call for proof/verification of the residential address of the individual in order to open a bank account for the individual. Indeed, the enrollment information determined in this manner may be used alone and/or in lieu of other types of documents, data, and/or information (e.g., the sensor data and/or the mobile device data may be used as proof/verification instead of, for example, a utility bill with a name of the individual and the residential address).”

The claims supplied by the inventors are:

“1. An enrollment data management system, comprising: one or more processors; memory storing instructions executable by the one or more processors to cause the one or more processors to: receive sensor data from one or more sensors located at a property, wherein the sensor data indicates a plurality of individual detection events that each indicate presence of an individual at the property; analyze the sensor data to determine that the property qualifies as a residence of the individual; access information relevant to the property from one or more databases; and utilize the information relevant to the property as enrollment information for an enrollment process for the individual.

“2. The enrollment data management system of claim 1, wherein the instructions are executable by the one or more processors to cause the one or more processors to utilize one or more machine learning algorithms to analyze the sensor data to determine that the property qualifies as the residence of the individual.

“3. The enrollment data management system of claim 1, wherein the one or more sensors comprise a camera, a smart lock, a smart appliance, a smart television, or any combination thereof.

“4. The enrollment data management system of claim 1, wherein the one or more sensors comprise a biometric sensor.

“5. The enrollment data management system of claim 1, wherein the information relevant to the property comprises a street address of the property.

“6. The enrollment data management system of claim 1, wherein the instructions are executable by the one or more processors to cause the one or more processors to: receive mobile device data from a mobile device associated with the individual, wherein the mobile device data indicates a plurality of mobile device detection events that each indicate presence of the mobile device at the property; and analyze the sensor data and the mobile device data to determine that the property qualifies as the residence of the individual.

“7. The enrollment data management system of claim 6, wherein the mobile device data indicates an additional plurality of individual detection events that each indicate presence of the individual with the mobile device at the property.

“8. The enrollment data management system of claim 7, wherein the mobile device data comprises unlock activity, lock activity, or both that indicates the additional plurality of individual detection events.

“9. The enrollment data management system of claim 6, wherein the mobile device data indicates an additional plurality of mobile device detection events that each indicate presence of the mobile device at an additional property, and the instructions are executable by the one or more processors to cause the one or more processors to: analyze the mobile device data to determine that the additional property qualifies as a place of employment of the individual; access respective information relevant to the additional property from the one or more databases; and utilize the respective information relevant to the additional property as additional enrollment information for the enrollment process for the individual.

“10. The enrollment data management system of claim 6, wherein the mobile device data indicates communication between the mobile device and an additional mobile device, and the instructions are executable by the one or more processors to cause the one or more processors to: analyze the mobile device data to determine a relationship between the individual associated with the mobile device and an additional individual associated with the additional mobile device; and utilize the relationship as additional enrollment information for the enrollment process for the individual.

“11. The enrollment data management system of claim 1, wherein the instructions are executable by the one or more processors to cause the one or more processors to: receive a request from the individual to initiate the enrollment process; in response to the request, establish a data collection period; and receive the sensor data from the one or more sensors located at the property over the data collection period.

“12. The enrollment data management system of claim 11, wherein the instructions are executable by the one or more processors to cause the one or more processors to output a notification on a display screen, wherein the notification comprises an indication of the data collection period.

“13. The enrollment data management system of claim 1, wherein the instructions are executable by the one or more processors to cause the one or more processors to: populate a data field of an enrollment form with the information relevant to the property; and output the enrollment form on a display screen for visualization by the individual, another individual, or both.

“14. A method of operating an enrollment data management system, the method comprising: receiving, at one or more processors, sensor data from one or more sensors located at a property, wherein the sensor data indicates a plurality of individual detection events that each indicate presence of an individual at the property; analyzing, via the one or more processors, the sensor data to determine that the property qualifies as a residence of the individual; accessing, via the one or more processors, information relevant to the property from one or more databases; and utilizing, via the one or more processors, the information relevant to the property as enrollment information for an enrollment process for the individual.

“15. The method of claim 14, comprising utilizing, via the one or more processors, one or more machine learning algorithms to analyze the sensor data to determine that the property qualifies as the residence of the individual.

“16. The method of claim 14, comprising: receiving, at the one or more processors, mobile device data from a mobile device associated with the individual, wherein the mobile device data indicates a plurality of mobile device detection events that each indicate presence of the mobile device at the property; and analyzing, via the one or more processors, the sensor data and the mobile device data to determine that the property qualifies as the residence of the individual.

“17. The method of claim 14, comprising: receiving, at the one or more processors, a request from the individual to initiate the enrollment process; establishing, in response to receiving the request and using the one or more processors, a data collection period; and receiving, at the one or more processors, the sensor data from the one or more sensors located at the property over the data collection period.

“18. An enrollment data management system, comprising: one or more processors; memory storing instructions executable by the one or more processors to cause the one or more processors to: receive sensor data from one or more sensors located at one or more properties, wherein the sensor data indicates a plurality of individual detection events that each indicate presence of an individual at the one or more properties; receive mobile device data from a mobile device associated with the individual, wherein the mobile device data indicates a plurality of mobile device detection events that each indicate presence of the mobile device at the one or more properties; analyze the sensor data, the mobile device data, or both to identify a first property of the one of the one or more properties as a residence of the individual; access information relevant to the first property of the one or more properties from one or more databases; and generate enrollment information based on the information relevant to the first property of the one or more properties as part of an enrollment process for the individual.

“19. The enrollment data management system of claim 18, wherein the instructions are executable by the one or more processors to cause the one or more processors to: analyze the sensor data, the mobile device data, or both to determine that a second property of the one or more properties qualifies as a place of employment of the individual; access additional information relevant to the second property of the one or more properties from the one or more databases; and generate additional enrollment information based on the additional information relevant to the second property of the one or more properties as part of the enrollment process for the individual.

“20. The enrollment data management system of claim 18, wherein the instructions are executable by the one or more processors to cause the one or more processors to: populate a data field of an enrollment form with the enrolment information; and output the enrollment form on a display screen for visualization by the individual, another individual, or both.”

For more information, see this patent: Bitter, Dustin Bowen. Systems and methods for managing individual enrollment data. U.S. Patent Number 11810413, filed June 28, 2022, and published online on November 7, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11810413)&db=USPAT&type=ids

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