Patent Issued for Systems and methods for programmatically weighting disparate inputs to optimize a predictive model (USPTO 11915197): Assurant Inc.
2024 MAR 18 (NewsRx) -- By a
The assignee for this patent, patent number 11915197, is
Reporters obtained the following quote from the background information supplied by the inventors: “Wireless device protection programs have long been offered to users of wireless communication devices (e.g., portable digital assistants (PDAs), mobile telephones, smart phones, and/or the like). These programs have evolved over the years such that fulfillment of claims, which used to involve simple repair or replacement at select locations, now includes more complex management of forward and reverse logistics companies that aid in provision of timely and cost effective fulfillment of claims. Wireless device programs have typically involved the payment of a premium by a user (or subscriber). The premium is typically an itemized charge on the subscriber’s monthly airtime invoice. The premium is then forwarded to an insurance company, where a portion of the premium is held in reserve to pay future losses, while another portion is used to pay administrative expenses associated with managing the wireless device protection program.
“The benefit that subscribers enjoy under wireless device protection programs typically includes the ability to receive a replacement device of like kind and quality within a relatively short period of time. The subscribers are often at some point within a two year or other contractually agreed to commitment period with their respective wireless providers. Thus, even if a subscriber loses use of his or her wireless device, the subscriber is still committed to paying for service over the remainder of the commitment period. The wireless device protection program therefore provides the subscriber with protection against the possibility of having to pay for wireless subscription services without having a device to access those services.
“The wireless device protection programs come in the form of insurance and warranty programs. However, other legal embodiments for providing protection may also emerge in the future. The obligations of an entity that offers the program (e.g., an insurance or warranty company) are typically specified in the terms and conditions of a policy or contract. The terms and conditions typically specify the minimum standards for fulfilling a claim. The objectives of establishing the minimum standards may include controlling the cost of the program in order to make the protection affordable to subscribers. As an example, a wireless device protection program may include terms specifying that a broken device will be replaced with a device of like kind and quality, and that the replacement device may be a refurbished device. Refurbished devices are often a low cost solution to providing claims fulfillment. However, when refurbished devices are not available, the subscriber may actually receive a new device.
“Customer satisfaction is a key component in managing an effective wireless device protection program. High customer satisfaction scores may result in higher take rates and lower adverse selection rates. The ability to limit adverse selection may also enable premiums and deductibles to be kept relatively low, so that subscribers can see the value in paying relatively low monthly premium charges to secure their investment. Since customer satisfaction is clearly important, it may be desirable to provide improved mechanisms of providing fulfillment of claims in a wireless device protection program in order to have an increased likelihood of maintaining or improving customer satisfaction.”
In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “A method, apparatus and computer program product are therefore provided to enable the provision of targeted fulfillment with respect to claims associated with a wireless device protection program. For example, some embodiments may provide a mechanism by which a claim against a wireless device protection program policy may trigger an upgrade option for the user. Some example embodiments may also enable the provision of a predictive usage model to automatically determine an optimal fulfillment option with respect to balancing the interests of the parties involved. Accordingly, targeted fulfillment decisions may be made in a manner that improves the likelihood of customer satisfaction while also providing for efficient and productive operation of the wireless device protection program.”
The claims supplied by the inventors are:
“1. A method comprising: generating a transmittable deliverable component comprising a targeted fulfillment engine; causing, via computer executable download instructions, a first plurality of mobile devices to each download a respective copy of the transmittable deliverable component comprising the targeted fulfillment engine to instantiate the targeted fulfillment engine locally on each respective mobile device of the first plurality of mobile devices, wherein each targeted fulfillment engine comprises a predictive model; generating, via each respective mobile device of the first plurality of mobile devices, usage pattern data associated with the respective mobile devices of the first plurality of mobile devices including first usage pattern data for a first mobile device of the first plurality of mobile devices and second usage pattern data for a second mobile device of the first plurality of mobile devices, wherein the usage pattern data comprises user activity data captured on each respective mobile device of the first plurality of mobile devices; automatically inputting, via the transmittable deliverable component, each of the usage pattern data for each respective mobile device into the predictive model of the targeted fulfillment engine instantiated locally on the respective mobile devices of the first plurality of mobile devices; gathering second usage pattern data associated with a second plurality of mobile devices, the second usage pattern data defining known usage patterns; for each respective mobile device of the first plurality of mobile devices, generating a unique output of the predictive model associated with the usage pattern data for each respective mobile device by comparing the usage pattern data for each respective mobile device with the second usage pattern data defining the known usage patterns to determine a degradation information associated with the respective mobile device including a first degradation information associated with the first mobile device and a second degradation information associated with the second mobile device, wherein at least a portion of the unique outputs are generated locally without network access; receiving claim information associated with a subscriber associated with the first mobile device, the claim information indicative of a claim associated with a wireless device protection program; detecting a mechanical breakdown or accidental damage of the first mobile device of the first plurality of mobile devices; employing, via processing circuitry, the predictive model to determine a plurality of options for fulfillment of the claim, the predictive model defining a weighted value for each option, wherein the plurality of options comprises an upgrade resolution; programmatically generating the upgrade resolution for resolving the mechanical breakdown or accidental damage, wherein programmatically generating the upgrade resolution comprises detecting an incompatibility in the first degradation information comprising an incompatibility between the first usage pattern data and a life status of the first mobile device based on a device model of the first mobile device; presenting, to a first user of the first mobile device, the upgrade resolution based on the incompatibility associated with the first mobile device; receiving a selection, via an interface, of the upgrade resolution; receiving second claim information associated with a second subscriber associated with the second mobile device of the first plurality of mobile devices; detecting a second mechanical breakdown or second accidental damage of the second mobile device of the first plurality of mobile devices; programmatically generating a second resolution for resolving the second mechanical breakdown or second accidental damage, wherein the second resolution comprises instructions to issue a first refurbished mobile device to the second subscriber based on a compatibility of the second usage pattern data and a life status of the first refurbished mobile device; presenting, to a second user of the second mobile device, the second resolution associated with the second mobile device and the first refurbished mobile device; receiving a second selection, via a second interface, of the second resolution; fulfill the upgrade resolution for the first user based on the selection; and fulfill the second resolution for the second user based on the second selection.
“2. The method of claim 1, further comprising: determining, based at least in part on the weighted value of each of the plurality of options, a best option for fulfillment of the claim; and automatically selecting the best option to use for fulfillment of the claim, wherein the best option comprises the upgrade resolution.
“3. A system comprising one or more processing circuitries configured to cause the system to at least: generate a transmittable deliverable component comprising a targeted fulfillment engine; cause, via computer executable download instructions, a first plurality of mobile devices to each download a respective copy of the transmittable deliverable component comprising the targeted fulfillment engine to instantiate the targeted fulfillment engine locally on each respective mobile device of the first plurality of mobile devices, wherein each targeted fulfillment engine comprises a predictive model; generate, via each respective mobile device of the first plurality of mobile devices, usage pattern data associated with the respective mobile devices of the first plurality of mobile devices including first usage pattern data for a first mobile device of the first plurality of mobile devices and second usage pattern data for a second mobile device of the first plurality of mobile devices, wherein the usage pattern data comprises user activity data captured on each respective mobile device of the first plurality of mobile devices; automatically input, via the transmittable deliverable component, each of the usage pattern data for each respective mobile device into the predictive model of the targeted fulfillment engine instantiated locally on the respective mobile devices of the first plurality of mobile devices; gather second usage pattern data associated with a second plurality of mobile devices, the second usage pattern data defining known usage patterns; for each respective mobile device of the first plurality of mobile devices, generate, via processing circuitry on the respective mobile devices, a unique output of the predictive model associated with the usage pattern data for each respective mobile device by comparing the usage pattern data for each respective mobile device with the second usage pattern data defining the known usage patterns to determine a degradation information associated with the respective mobile device including a first degradation information associated with the first mobile device and a second degradation information associated with the second mobile device, wherein at least a portion of the unique outputs are generated locally without network access; receive claim information associated with a subscriber associated with the first mobile device, the claim information indicative of a claim associated with a wireless device protection program; detect a mechanical breakdown or accidental damage of the first mobile device of the first plurality of mobile devices; employ the predictive model to determine a plurality of options for fulfillment of the claim, the predictive model defining a weighted value for each option, wherein the plurality of options comprises an upgrade resolution; programmatically generate the upgrade resolution for resolving the mechanical breakdown or accidental damage, wherein programmatically generating the upgrade resolution comprises detecting an incompatibility in the first degradation information comprising an incompatibility between the first usage pattern data and a life status of the first mobile device based on a device model of the first mobile device; present, to a first user of the first mobile device, the upgrade resolution based on the incompatibility associated with the first mobile device; receive a selection, via an interface, of the upgrade resolution; receive second claim information associated with a second subscriber associated with the second mobile device of the first plurality of devices; detect a second mechanical breakdown or second accidental damage of the second mobile device of the first plurality of mobile devices; programmatically generate a second resolution for resolving the second mechanical breakdown or second accidental damage, wherein the second resolution comprises instructions to issue a first refurbished mobile device to the second subscriber based on a compatibility of the second usage pattern data and a life status of the first refurbished mobile device; present, to a second user of the second mobile device, the second resolution associated with the second mobile device and first refurbished mobile device; receive a second selection, via a second interface, of the second resolution; fulfill the upgrade resolution for the first user based on the selection; and fulfill the second resolution for the second user based on the second selection.
“4. The system of claim 3, wherein the one or more processing circuitries are further configured to cause the system to: determine, based at least in part on the weighted value of each of the plurality of options, a best option for fulfillment of the claim; and automatically select the best option to use for fulfillment of the claim, wherein the best option comprises the upgrade resolution.”
For more information, see this patent: Becerra, Manuel. Systems and methods for programmatically weighting disparate inputs to optimize a predictive model.
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