Researchers Submit Patent Application, “Systems And Methods For Data Insights From Consumer Accessible Data”, for Approval (USPTO 20230177528): Allstate Insurance Company

2023 JUN 28 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- From Washington, D.C., NewsRx journalists report that a patent application by the inventors Duffy, Columb (Derry, GB); Faulkner, Ryan (Dungannon, GB); Gee, Brennan (Roanoke, VA, US); Rice, Brian (Antrim, GB), filed on December 3, 2021, was made available online on June 8, 2023.

The patent’s assignee is Allstate Insurance Company (Northbrook, Illinois, United States).

News editors obtained the following quote from the background information supplied by the inventors: “Currently, there are many digital identity and internet challenges today. First, too many passwords leads to authentication providers brokering authentication and learning behaviors of consumers. Second, digital trust is one-way with consumers authenticating with a website, but the website does not authenticate with the consumer. This can lead to phishing. Third, there are data quality concerns and high-trust transaction needs (e.g. opening a bank account requiring strong know-your-customer (KYC) information). These concerns and needs may be expensive for in-house experts to prevent fraud and may require external data verification services. Lastly, data centralization may create attractive targets for hackers and provide high risk and expense for enterprises and organizations to protect.

“As consumers continue to utilize digital environments and use digital identities, there will be a need to improve the decentralized digital identity architecture.”

As a supplement to the background information on this patent application, NewsRx correspondents also obtained the inventors’ summary information for this patent application: “In light of the foregoing background, the following presents a simplified summary of the present disclosure in order to provide a basic understanding of some aspects of the invention. This summary is not an extensive overview of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention. The following summary merely presents some concepts of the invention in a simplified form as a prelude to the more detailed description provided below.

“Aspects of the disclosure address one or more of the issues mentioned above by disclosing methods, computer readable storage media, software, systems, and apparatuses to provide data insights information to a third-party organization from consumer accessible data.

“In some aspects, the system may include at least one processor and a memory unit storing computer-executable instructions. The system may be configured to, in operation, receive, at a data insights server, a query from a processor at a third-party organization in communication with the data insights server. The data insights server may be linked and in communication with a plurality of consumer devices from a plurality of consumers. The system may also be configured to, in operation, send, by the data insights server, the query from the third-party organization to each of the plurality of consumer devices from the plurality of consumers. The system may also be configured to, in operation, request, by the data insights server, a response to the query from each of the plurality of consumers to be sent directly to the third-party organization that requested the insight. Each individual response from the plurality of consumers may include one or more elements of consumer data from the consumer. The consumer data may be derived from consumer accessible data of the individual consumer in the plurality of consumers. The consumer accessible data may include verifiable credentials found in digital wallets of consumer, or data stored in the consumer device, or data configured to be accessible to the device and permitted by the consumer to be used in the processing of a data insight request.

“In other embodiments, the query may comprise a plurality of consumer identity information and a plurality of consumer commerce information. The system may be configured to, in operation, compose, by the data insights server, the query from the third-party organization. The query may include selected fields for building a plurality of questions for the query. Additionally, the query includes one or more fields filled in with the consumer data from the consumer accessible data. The system may be configured to, in operation, verify, by the data insights server, the query from the third-party organization. The consumer accessible data may include one or more of social media information or personal cloud drive storage that the plurality of consumers chose to use in processing or the insight request. The system may be configured to, in operation, provide, by the data insights server, a reward to the each of the plurality of consumers for providing the response to the insight request. Additionally, the reward may comprise one or more of the following: a monetary reward, a consumer goods discount, a services discount, or a digital dividend.

“Of course, the methods and systems of the above-referenced embodiments may also include other additional elements, steps, computer-executable instructions, or computer-readable data structures. In this regard, other embodiments are disclosed and claimed herein as well. The details of these and other embodiments of the present invention are set forth in the accompanying drawings and the description below. Other features and advantages of the invention will be apparent from the description, drawings, and claims.”

The claims supplied by the inventors are:

“1. An apparatus, comprising: a processor; one or more memory units storing computer-executable instructions, which when executed by the processor, cause the apparatus to: receive, at a data insights server, a query from a processor at a third-party organization in communication with the data insights server, wherein the data insights server is linked and in communication with a plurality of consumer devices from a plurality of consumers; send, by the data insights server, the query from the third-party organization to each of the plurality of consumer devices from the plurality of consumers; request, by the data insights server, that a response to the query from each of the plurality of consumers is sent directly to the third-party organization, wherein each response includes one or more elements of consumer data from an individual consumer; search, by each consumer device, the consumer data accessible to the consumer device to create a response to the query; receive, by the third-party organization, the responses to the query from each of the plurality of consumer devices that are permitted to send the response; consolidate and aggregate, by the third-party organization, the responses from each of the plurality of consumers to a data insights query using the responses from the each of the plurality of consumers; and send, by each consumer device that provided a response directly to the third-party organization, a notification to the data insights server of a response being sent to the third-party organization.

“2. The apparatus of claim 1, wherein the consumer data includes one or more sources of data in a plurality of locations to each consumer device from the plurality of consumers.

“3. The apparatus of claim 1, wherein the computer-executable instructions, when executed by the processor, further cause the apparatus to: compose, by the data insights server, the query from the third-party organization, wherein the query includes selected fields for building a plurality of questions for the query.

“4. The apparatus of claim 1, wherein the query includes one or more fields filled in with the one or more elements of consumer data.

“5. The apparatus of claim 1, wherein the computer-executable instructions, when executed by the processor, further cause the apparatus to: verify and either approve or deny, by the data insights server, the query from the third-party organization.

“6. The apparatus of claim 1, wherein the consumer data includes one or more of social media information or personal cloud drive storage that the plurality of consumers chose to make available when processing the query.

“7. The apparatus of claim 1, wherein the computer-executable instructions, when executed by the processor, further cause the apparatus to: provide, by the data insights server, a reward to the plurality of consumers for providing the one or more elements of consumer data, the reward comprising one or more of the following: a monetary reward, a consumer goods discount, a services discount, or a digital dividend.

“8. A method comprising: receiving, at a data insights server, a query from a processor at a third-party organization in communication with the data insights server, wherein the data insights server is linked and in communication with a plurality of consumer devices from a plurality of consumers; sending, by the data insights server, the query from the third-party organization to each of the plurality of consumer devices from the plurality of consumers; requesting, by the data insights server, that a response to the query from each of the plurality of consumers is sent directly to the third-party organization, wherein each response includes one or more elements of consumer data from an individual consumer; searching, by each consumer device, the consumer data accessible to the consumer device to create a response to the query; receiving, by the third-party organization, the responses to the query from each of the plurality of consumer devices that are permitted to send the response; consolidating and aggregating, by the third-party organization, the responses from each of the plurality of consumers to a data insights query using the responses from the each of the plurality of consumers; and sending, by each consumer device that provided a response directly to the third-party organization, a notification to the data insights server of a response being sent to the third-party organization.

“9. The method of claim 8, wherein the consumer data includes one or more sources of data in a plurality of locations to each consumer device from the plurality of consumers.

“10. The method of claim 8, further comprising: composing, by the data insights server, the query from the third-party organization, wherein the query includes selected fields for building a plurality of questions for the query.

“11. The method of claim 8, wherein the query includes one or more fields filled in with the one or more elements of consumer data.

“12. The method of claim 8, further comprising: verifying and either approving or denying, by the data insights server, the query from the third-party organization, by the data insights server, the query from the third-party organization.

“13. The method of claim 8, wherein the consumer data includes one or more of social media information or personal cloud drive storage that the plurality of consumers chose to make available when processing the query.

“14. The method of claim 8, further comprising: providing, by the data insights server, a reward to the plurality of consumers for providing the one or more elements of consumer data, the reward comprising one or more of the following: a monetary reward, a consumer goods discount, a services discount, or a digital dividend.

“15. One or more non-transitory computer-readable media storing instructions that, when executed by a computing device, cause the computing device to: receive, at a data insights server, a query from a processor at a third-party organization in communication with the data insights server, wherein the data insights server is linked and in communication with a plurality of consumer devices of a plurality of consumers; send, by the data insights server, the query from the third-party organization to each of the plurality of consumer devices of the plurality of consumers; request, by the data insights server, that a response to the query including one or more elements of consumer data from each of the plurality of consumers is sent directly to the third-party organization such that each of the plurality of consumer devices searches the consumer data accessible to the consumer device to create a response to the query for the third-party organization; and receive, at the data insights server, a notification of a response being sent to the third-party organization from each consumer device that provided a response directly to the third-party organization.

“16. The one or more non-transitory computer-readable media of claim 15, wherein the consumer data includes one or more sources of data in a plurality of locations to each consumer device from the plurality of consumers.

“17. The one or more non-transitory computer-readable media of claim 15, wherein the query includes one or more fields filled in with the one or more elements of consumer data.

“18. The one or more non-transitory computer-readable media of claim 15, storing further instructions that, when executed by the computing device, cause the computing device to: verify and either approve or deny, by the data insights server, the query from the third-party organization.

“19. The one or more non-transitory computer-readable media of claim 15, wherein the consumer data includes one or more of social media information or personal cloud drive storage that the plurality of consumers chose to make available when processing the query.

“20. The one or more non-transitory computer-readable media of claim 15, storing further instructions that, when executed by the computing device, cause the computing device to: provide, by the data insights server, a reward to the plurality of consumers for providing the one or more elements of consumer data, the reward comprising one or more of the following: a monetary reward, a consumer goods discount, a services discount, or a digital dividend.”

For additional information on this patent application, see: Duffy, Columb; Faulkner, Ryan; Gee, Brennan; Rice, Brian. Systems And Methods For Data Insights From Consumer Accessible Data. U.S. Patent Application Number 20230177528, filed December 3, 2021 and posted June 8, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(20230177528)&db=US-PGPUB&type=ids

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