Systems and methods for managing personalized life information

Inventors: Gabriel Carlos Fernandez (San Antonio, TX); Qunying Kou (San Antonio, TX); Arthur Quentin Smith (Fredericksburg, TX); Oscar Roberto Tijerina (San Antonio, TX); Mark Paxman Warnick (San Antonio, TX)

Assignee: United Services Automobile Association (USAA)

G06F16/1834 G06F21/6227 G06F21/6245 G06F21/6272

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Quick Facts

Patent No.: US 12688162
App. No.: 18/811,108
Granted: Jul 21, 2026
Kind: B1

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Abstract

Systems and methods described herein facilitate the management of personalized life information using a distributed ledger. For example, a distributed ledger system, such as one or more blockchains, may manage personalized life information of one or more individuals to, for example, determine an occurrence of a life event for a first individual based at least in part on personalized life information for the first individual, to access various types of personalized life information for the first individual in response to the determination of the occurrence of the life event for the first individual, and to provide a subset of the personalized life information for the first individual to a user device associated with a second individual.

Claims (40)

1 . A system comprising:

at least one processor; and

at least one non-transitory computer-readable storage media communicatively coupled to the at least one processor, the at least one non-transitory computer-readable storage media storing instructions which, when executed by the at least one processor, cause the at least one processor to perform operations comprising:

determining an occurrence of a first life event for a first user;

prompting one or more user devices to provide personalized life information for the first user to be stored in a distributed ledger network in response to the determination of the occurrence of the first life event for the first user, wherein the personalized life information for the first user comprises audiovisual information relating to the first user that is stored on the one or more user devices and that is identified using facial recognition algorithms and/or voice recognition algorithms, and wherein the audiovisual information relating to the first user comprises one or more photos of the first user, one or more videos of the first user, or one or more audio recordings of the first user;

storing the personalized life information for the first user in the distributed ledger network in response to receiving the personalized life information for the first user from the one or more user devices;

determining an occurrence of a second life event for the first user;

accessing the personalized life information for the first user that is stored in the distributed ledger network in response to the determination of the occurrence of the second life event for the first user;

determining whether a second user has been authorized, prior to the occurrence of the first life event for the first user, to access a subset of the personalized life information for the first user that is stored in the distributed ledger network based on a determined relationship between the first user and the second user; and

providing the subset of the personalized life information for the first user that is stored in the distributed ledger network to a user device associated with the second user in response to determining that the second user is authorized to access the subset of the personalized life information for the first user that is stored in the distributed ledger network.

2 . The system of claim 1 , wherein the first life event for the first user comprises a holiday, a birthday for the first user, an anniversary for the first user, a major purchase for the first user, or a vacation for the first user.

3 . The system of claim 1 , wherein the second life event for the first user comprises death of the first user, a coma of the first user, a diagnosis of memory impairment for the first user, or a missing in action designation for the first user.

4 . The system of claim 1 , wherein the personalized life information for the first user comprises military service information for the first user, wherein the military service information for the first user comprises one or more deployment locations at which the first user was deployed, how long the first user was deployed at the one or more deployment locations, a time period during which the first user was deployed at the one or more deployment locations, type of deployment for the first user when deployed at the one or more deployment locations, military rank of the first user when deployed at the one or more deployment locations, one or more world events occurring at a time the first user was deployed at the one or more deployment locations, or military awards awarded to the first user.

5 . The system of claim 1 , wherein the personalized life information for the first user comprises work history information for the first user, wherein the work history information comprises one or more companies with which the first user was employed, how long the first user was employed by the one or more companies, a time period during which the first user was employed by the one or more companies, one or more job titles of the first user while employed by the one or more companies, or one or more work accomplishments of the first user while employed by the one or more companies.

6 . The system of claim 1 , wherein the personalized life information for the first user comprises third party contact information for one or more associates of the first user, wherein the one or more associates of the first user comprise one or more family members of the first user, one or more friends of the first user, one or more military acquaintances of the first user, or one or more work acquaintances of the first user.

7 . The system of claim 1 , wherein the distributed ledger network comprises one or more blockchains.

8 . A method performed by at least one processor, the method comprising:

determining an occurrence of a first life event for a first user;

determining an occurrence of a second life event for the first user:

9 . The method of claim 8 , wherein the first life event for the first user comprises a holiday, a birthday for the first user, an anniversary for the first user, a major purchase for the first user, or a vacation for the first user.

10 . The method of claim 8 , wherein the second life event for the first user comprises death of the first user, a coma of the first user, a diagnosis of memory impairment for the first user, or a missing in action designation for the first user.

11 . The method of claim 8 , wherein the personalized life information for the first user comprises military service information for the first user, wherein the military service information for the first user comprises one or more deployment locations at which the first user was deployed, how long the first user was deployed at the one or more deployment locations, a time period during which the first user was deployed at the one or more deployment locations, type of deployment for the first user when deployed at the one or more deployment locations, military rank of the first user when deployed at the one or more deployment locations, one or more world events occurring at a time the first user was deployed at the one or more deployment locations, or military awards awarded to the first user.

12 . The method of claim 8 , wherein the personalized life information for the first user comprises work history information for the first user, wherein the work history information comprises one or more companies with which the first user was employed, how long the first user was employed by the one or more companies, a time period during which the first user was employed by the one or more companies, one or more job titles of the first user while employed by the one or more companies, or one or more work accomplishments of the first user while employed by the one or more companies.

13 . The method of claim 8 , wherein the personalized life information for the first user comprises third party contact information for one or more associates of the first user, wherein the one or more associates of the first user comprise one or more family members of the first user, one or more friends of the first user, one or more military acquaintances of the first user, or one or more work acquaintances of the first user.

14 . The method of claim 8 , wherein the distributed ledger network comprises one or more blockchains.

15 . A non-transitory computer-readable storage media storing instructions which, when executed by at least one processor, cause the at least one processor to perform operations comprising:

determining an occurrence of a first life event for a first user;

determining an occurrence of a second life event for the first user;

16 . The non-transitory computer-readable storage media of claim 15 , wherein the first life event for the first user comprises a holiday, a birthday for the first user, an anniversary for the first user, a major purchase for the first user, or a vacation for the first user.

17 . The non-transitory computer-readable storage media of claim 15 , wherein the second life event for the first user comprises death of the first user, a coma of the first user, a diagnosis of memory impairment for the first user, or a missing in action designation for the first user.