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公开(公告)号：US11615437B2
公开(公告)日：2023-03-28
申请号：US17591446
申请日：2022-02-02
发明人： Edward W. Breitweiser , Larry Ingrum , Jennifer L. Crawford , Jason W. Boice , Jeffrey G. Christianson
IPC分类号： G06Q30/00 , G06Q30/0207 , G06Q40/08 , G06Q30/0226
摘要： A method and system of providing personalized rewards for lifestyle management of a user includes receiving various target goals from the user. The target goals relate to the personal health, community involvement and financial planning of the user. As such, the method and system include receiving and analyzing a first set of data during a first period of time to determine whether the user has met the target goals during the first period of time. In response to determining that the user has met the target goals, the method and system include receiving and analyzing a second set of data during a second period of time to determine whether the user has maintained the target goals during the second period of time. In response to determining that the user has maintained the target goals, the method and system include determining and transmitting one or more personalized rewards to the user.
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公开(公告)号：US11599653B1
公开(公告)日：2023-03-07
申请号：US16916398
申请日：2020-06-30
发明人： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
摘要： Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to share policy information. The policy information may be associated with a smart contract. Accordingly, the policy information may be encrypted using a public key for the smart contract and compiled into a block of the blockchain. In response to a request to provide access to the information to a particular node, the private key for the smart contract may be encrypted using the public key for the particular node and compiled into a block of the blockchain.
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公开(公告)号：US11514176B1
公开(公告)日：2022-11-29
申请号：US16915931
申请日：2020-06-29
发明人： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
摘要： Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to file documents, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.
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公开(公告)号：US20220374549A1
公开(公告)日：2022-11-24
申请号：US17881060
申请日：2022-08-04
发明人： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shwn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
摘要： Methods and systems for processing a blockchain comprising a plurality of immutable sales records corresponding to sales made by agents of an entity are provided. According to certain aspects, a transaction request indicating a sale made by an agent of the entity may be received at a first node. A block including a sales record indicating the sale made by the agent may be added to a blockchain and transmitted to another node for validation. The first node may add the block to a copy of the blockchain, where the block may be identified by a hash value that references a previous block in the blockchain that includes at least one additional sales record.
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公开(公告)号：US20220189623A1
公开(公告)日：2022-06-16
申请号：US17550482
申请日：2021-12-14
摘要： Systems and methods relating to collecting guided user data generating recommendations are disclosed, with particular reference to collecting user data related to the well-being of a user. Such systems and methods include obtaining well-being data associated with a user and determining that a triggering event has occurred based at least upon the well-being data collected. A user log may be generated by iteratively presenting a plurality of information prompts to the user. In generating the user log, the systems and methods may apply a conversational artificial intelligence model, receive user responses to prompts, and add data entries to the user log. A user action recommendation based upon the data entries may be generated and presented to the user.
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公开(公告)号：US11270331B1
公开(公告)日：2022-03-08
申请号：US17082818
申请日：2020-10-28
发明人： Edward W. Breitweiser , Larry Ingrum , Jennifer L. Crawford , Jason W. Boice , Jeffrey G. Christianson
摘要： A method and system of providing personalized rewards for lifestyle management of a user includes receiving various target goals from the user. The target goals relate to the personal health, community involvement and financial planning of the user. As such, the method and system include receiving and analyzing a first set of data during a first period of time to determine whether the user has met the target goals during the first period of time. In response to determining that the user has met the target goals, the method and system include receiving and analyzing a second set of data during a second period of time to determine whether the user has maintained the target goals during the second period of time. In response to determining that the user has maintained the target goals, the method and system include determining and transmitting one or more personalized rewards to the user.
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公开(公告)号：US20210264052A1
公开(公告)日：2021-08-26
申请号：US15876976
申请日：2018-01-22
发明人： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
摘要： Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to share access to audit data. The policy information may be associated with a smart contract. Accordingly, the audit data may be encrypted using a public key for the smart contract and compiled into a block of the blockchain. In response to a request to provide access to the audit data to a particular node, the private key for the smart contract may be encrypted using the public key for the particular node and compiled into a block of the blockchain.
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8.发明申请公开(公告)号：US20230060732A1
公开(公告)日：2023-03-02
申请号：US17983273
申请日：2022-11-08
发明人： Dingchao Zhang , Michael Bernico , Peter Laube , Utku Pamuksuz , Jeffrey S. Myers , Marigona Bokshi-Drotar , Edward W. Breitweiser
摘要： A method and system may use machine learning analysis of audio data to automatically identify a user's biometric characteristics. A user's client computing device may capture audio of the user. Feature data may be extracted from the audio and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.
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公开(公告)号：US20230032043A1
公开(公告)日：2023-02-02
申请号：US17965354
申请日：2022-10-13
发明人： Betsy L. Wilkes , Dustin C. Sargent , Larry Ingrum , Edward W. Breitweiser , Ryan J. Merkle , Linda McKimmy
摘要： In one aspect, a computer-implemented method for conducting an online insurance application process may include, via one or more processors, (1) receiving a request from an applicant to start an insurance application; (2) collecting, in response to receiving the request, applicant data from one or more service providers; (3) generating application questions for the applicant based upon the applicant data; (4) prompting the application questions to the applicant; (5) receiving, in response to prompting the application questions, responses to the application questions; and (6) generating a conditional receipt based at least upon the responses of the applicant.
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10.发明授权公开(公告)号：US11521412B1
公开(公告)日：2022-12-06
申请号：US17087446
申请日：2020-11-02
发明人： Dingchao Zhang , Michael Bernico , Peter Laube , Utku Pamuksuz , Jeffrey S. Myers , Marigona Bokshi-Drotar , Edward W. Breitweiser
摘要： A method and system may use machine learning analysis of audio data to automatically identify a user's biometric characteristics. A user's client computing device may capture audio of the user. Feature data may be extracted from the audio and applied to statistical models for determining several biometric characteristics. The determined biometric characteristic values may be used to identify individual health scores and the individual health scores may be combined to generate an overall health score and longevity metric. An indication of the user's biometric characteristics which may include the overall health score and longevity metric may be displayed on the user's client computing device.
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