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Patent Agency Ranking
公开(公告)号：US20210256601A1
公开(公告)日：2021-08-19
申请号：US15890966
申请日：2018-02-07
Inventor： Jacob J. Alt , Jessica Lynn Shull , Joseph Robert Brannan , Daryoush Hakimi
Abstract: Systems and methods may provide for customer pre-approval for a flexible loan product that may dynamically change to account for uneven or seasonal income of a customer. Some flexible loan products may include loan, warranty, and/or insurance payments. Past and/or current customer data, such as past and current income, predicted future income, current home or vehicle value, current interest rates, and/or vehicle or home maintenance, may be analyzed by artificial intelligence to periodically reassess and restructure the future loan payments.
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公开(公告)号：US20210366047A1
公开(公告)日：2021-11-25
申请号：US15890958
申请日：2018-02-07
Inventor： Jacob J. Alt , Jessica Lynn Shull , Joseph Robert Brannan , Daryoush Hakimi
Abstract: Systems and methods may provide for a flexible loan product that may dynamically change to account for uneven or seasonal income of a customer. Some flexible loan products may include loan, warranty, and/or insurance payments. Past and/or current customer data, such as past and current income, predicted future income, current home or vehicle value, current interest rates, and/or vehicle or home maintenance, may be analyzed by artificial intelligence to periodically reassess and restructure the future loan payments.
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公开(公告)号：US20210272192A1
公开(公告)日：2021-09-02
申请号：US15890956
申请日：2018-02-07
Inventor： Jacob J. Alt , Jessica Lynn Shull , Joseph Robert Brannan , Daryoush Hakimi
Abstract: Systems and methods may provide for a flexible loan product that may dynamically change to account for uneven or seasonal income of a customer. Some flexible loan products may include loan, warranty, and/or insurance payments. Past and/or current customer data, such as past and current income, predicted future income, current home or vehicle value, current interest rates, and/or vehicle or home maintenance, may be analyzed by artificial intelligence to periodically reassess and restructure the future loan payments.
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公开(公告)号：US10295356B1
公开(公告)日：2019-05-21
申请号：US15974304
申请日：2018-05-08
Inventor： Craig Cope , Ryan Gross , Mark E. Clauss , Steven Joseph Balbach , Rick Lovings , Jennifer L. Crawford , Vicki King , Daryoush Hakimi
Abstract: Systems and methods for generating and delivering personalized and relevant notifications to a user are provided. According to certain aspects, a mobile device may receive activity data from a user of the mobile device. The mobile device may identify a set of real-time sensor data relevant to the activity data. The mobile device may generate a notification based on the activity data and the set of real-time sensor data. The mobile device may identify a set of user profile data relevant to the activity data and the set of real-time sensor data, and further identify a set of static data relevant to the set of user profile data. Based on the relevant data, the mobile device may modify the notification. Finally, the mobile device may deliver the notification to the user via a user interface.
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公开(公告)号：US20150286929A1
公开(公告)日：2015-10-08
申请号：US14245839
申请日：2014-04-04
Inventor： John Henry Weekes , Abigail Rachel Tohline , Jonathan Darius Maurer , Joseph Harr , Andrew Joseph Phillips , Michael Jeffrey Aviles , Daryoush Hakimi , Robert Louis Hembra
IPC: G06N5/02
CPC classification number: G06Q30/0631 , G06Q30/0207
Abstract: A method and computer system aggregates and correlates various types of data from an individual for life management purposes. As an example, the various types of data may include home data, vehicle data, and personal health data associated with the individual. The method and system may receive the various types of data from the individual and analyze each type of data to determine patterns associated with each type of data. The method and system may then compare each of the determined patterns with one another to determine any underlying factors and correlations that may be affecting each of the determined patterns. Based on the determined underlying factors and correlations for each of the determined patterns, the method and system may provide the individual with various benefits such as personalized recommendations, insurance discounts, and other added values or services that the individual can use to better manage and improve his or her life.
Abstract translation: 方法和计算机系统聚合并关联来自个人的各种类型的数据以用于生命管理目的。 作为示例，各种类型的数据可以包括与个人相关联的家庭数据，车辆数据和个人健康数据。 方法和系统可以从个体接收各种类型的数据，并分析每种类型的数据以确定与每种类型的数据相关联的模式。 然后，方法和系统可以将所确定的模式中的每一个彼此进行比较，以确定可能影响每个确定模式的任何潜在因素和相关性。 根据确定的每个确定模式的基本因素和相关性，该方法和系统可以向个人提供各种益处，例如个性化建议，保险折扣以及个人可用于更好地管理和改进的其他附加价值或服务 他或她的生命。
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