United Services Automobile Association – InsuranceNewsNet

2022 APR 28 (NewsRx) — By a News Reporter-Staff News Editor at Insurance Daily News — According to news reporting originating from Alexandria, Virginiaby NewsRx, a patent by the inventors Eckelbarger, Robert J. (San Antonio, TXUS), Holloway, Stephen (San Antonio, TXUS), Kosub, Matthew J. (San Antonio, TXUS), Stevens, Lyndsey Nicole (San Antonio, TXUS), WendelMollie (Helotes, TXUS), filed on June 11, 2020was published online on April 12, 2022.

The assignee for this patent, patent number 11301764, is United Services Automobile Association (San Antonio, Texas, United States).

Reporters obtained the following quote from the background information supplied by the inventors: “The present disclosure relates generally to systems and methods to facilitate digital advice (eg, potential goals and progress steps to achieve those goals) from a plurality of entities (eg, computer) servers). More specifically, the methods and systems described herein provide digital advice over a plurality of independent computer systems.

“This section is intended to introduce the reader to various aspects of art that may be related to various aspects of the present disclosure, 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 may be understood that these statements are to be read in this light, and not as admissions of prior art.

“The Internet has brought about a connected world, where an increasing number of activities can be performed online. Unfortunately, oftentimes, these activity offerings lack personalization for a user. Due to a lack of information caused by being siloed from other systems, independent computer systems may not have the ability to understand a user’s desires or potential future goals.”

In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “Embodiments of this disclosure include systems and methods for providing digital advice across multiple independent entities (eg, independent computer servers/services). In particular, the current techniques relate to a digital advisor service that provides an application programming interface (API) that entities the ability to retrieve and provide digital advice via their independent enables services. The digital advisor services and accumulates behavior information relating to the user from the entities and uses the behaviors (and potentially other attributes, such as demographic information) from the plurality of entities to identify personalized goals relevant to the user. The personalized goals are derived from behavior-attribute based models generated based upon accumulated training data that includes known goals corresponding to particular behavioral attributes (and potentially other attributes, such as demographic data).

The claims supplied by the inventors are:

“1. A tangible, non-transitory, computer readable medium comprising instructions that when executed by one or more processors of a computer cause the computer to: retrieve, via an application programming interface (API), cross-entity historical behavioral interactions of a user with electronic services provided by a plurality of entities; apply the cross-entity historical behavioral interactions on a predictive model to predict a potential behavior the user is going to make; determine one or more personalized digital goals that apply to the cross-entity historical behavioral interactions based on the potential behavior; and provide, via the API, the one or more personalized goals to at least one of the electronic services for subsequent display of the one or more personalized digital goals via the at least one of the electronic services.

“2. The computer readable medium of claim 1, comprising instructions that when executed by the one or more processors of the computer cause the computer to: optimize the one or more personalized digital goals by reducing a number of the one or more personalized digital goals, by: Selecting a subset of the one or more personalized digital goals specifically relevant to the at least one of the electronic services.

“3. The computer readable medium of claim 1, comprising instructions that when executed by the one or more processors of the computer cause the computer to: optimize the one or more personalized digital goals by reducing a number of the one or more personalized digital goals, by: Selecting a subset of the one or more personalized digital goals specifically relevant to personalized data of a user.

“4. The computer readable medium of claim 1, comprising instructions that when executed by the one or more processors of the computer cause the computer to: access personal data of the user; and identify, using the personal data, a capacity of the user to complete the one or more personalized digital goals.

“5. The computer readable medium of claim 1, comprising instructions that when executed by the one or more processors of the computer cause the computer to: identify one or more electronic actions useful to implement the one or more personalized digital goals; and provide, via a graphical user interface, access to the one or more electronic actions.

“6. The computer readable medium of claim 1, comprising instructions that when executed by the one or more processors of the computer cause the computer to: onboard the user, by: identifying that the user is a previous user of a digital advisor service; and in response to identifying that the user is the previous user of the digital advisor service, access and provide one or more previously identified personalized digital goals as the one or more personalized digital goals.

“7. The computer readable medium of claim 6, comprising instructions that when executed by the one or more processors of the computer cause the computer to: identify user information changes that affect the one or more previously identified personalized digital goals; and modify the one or more previously identified personalized digital goes based upon the information changes.

“8. The computer readable medium of claim 1, comprising instructions that when executed by the one or more processors of the computer cause the computer to: perform a digital discovery process to identify the cross-entity historical behavioral interactions.

“9. The computer readable medium of claim 8, wherein the digital discovery process comprises: providing a shared input graphical user interface (GUI) that enables someone other than the user to input one or more attributes of the user.

“10. The computer readable medium of claim 8, wherein the computer comprises an interactive voice recognition system that receives user interactions over a telephone.

“11. The computer readable medium of claim 1, wherein the potential behavior comprises at least one of taking a vacation, purchasing a vehicle, paying off loans; or purchasing a home.

“12. The computer readable medium of claim 1, wherein the potential behavior comprises paying off student loans.

“13. A computer-implemented method, comprising: retrieving, via an application programming interface (API), cross-entity historical behavioral interactions of a user with electronic services provided by a plurality of entities; applying the cross-entity historical behavioral interactions on a predictive model to predict a future purchase the user will make; Obtaining one or more personalized digital goals that apply to the cross-entity historical behavioral interactions to achieve the future purchase; and providing, via the API, the one or more personalized goals to at least one of the electronic services for subsequent display of the one or more personalized digital goals via the at least one of the electronic services.

“14. The computer-implemented method of claim 13, comprising: optimizing the one or more personalized digital goals by reducing a number of the one or more personalized digital goals, by: selecting a subset of the one or more personalized digital goals specifically relevant to the at least one of the electronic services.

“15th. The computer-implemented method of claim 13, comprising: optimizing the one or more personalized digital goals by reducing a number of the one or more personalized digital goals, by: selecting a subset of the one or more personalized digital goals specifically relevant to personalized data of a user.

16. The computer-implemented method of claim 13, comprising: accessing personal data of the user; and identifying, using the personal data, a capacity of the user to complete the one or more personalized digital goals.

“17. The computer-implemented method of claim 16, comprising: generating a plan to complete the one or more personalized digital goals based upon the capacity of the user.

“18. The computer-implemented method of claim 13, comprising: providing a personalized email or other notification; and directing the user, in response to an interaction with the personalized email or other notification to a personalized landing page.

“19. The computer-implemented method of claim 13, wherein the future purchase comprises a car, a vacation, or a home.

“20. A computer system, comprising: a tangible, non-transitory, computer-readable medium; one or more processors; computer-readable instructions, stored on the tangible, non-transitory, computer-readable medium that, when executed by the one or more processors, cause the computer system to: retrieve, via an application programming interface (API), cross-entity historical behavioral interactions of a user with electronic services provided by a plurality of entities; apply the cross-entity historical behavioral interactions on a predictive model to obtain a plurality of personalized digital goals that apply to the cross-entity historical behavioral interactions; receive an indication of the user developing a first goal of the plurality of personalized digital goals; predict a future behavior of the user based on the predict model and the indication of the user achieving the first goal; determine a next best goal from the plurality of personalized digital goals for the predicted future and the indication of the user behavior the first goal; and provide, via the API, the next best goal to at least one of the electronic services for subsequent display of the one or more personalized digital goals via the at least one of the electronic services.”

For more information, see this patent: Eckelbarger, Robert J. Systems and methods for digital advice. US Patent Number 11301764, filed June 11, 2020and 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=1130&OS1764=PN. PN/11301764RS=PN/11301764

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