IP Library › Granted Patent US 11,164,236
Granted Patent B1
US 11,164,236 · App. 16/773,838 · Granted Nov 2, 2021

Systems and methods for assessing needs

Inventors: Gareth Ross (Amherst, MA); Sears Merritt (Groton, MA)
Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
G06Q30/0631G06N5/04G06Q10/067G06Q40/08
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Quick Facts
Patent No.
US 11,164,236
App. No.
16/773,838
Granted
Nov 2, 2021
Kind
B1
Abstract

Systems and methods for assessing the needs of customers using predictive modeling techniques are disclosed in which a server receives, from a computing device, a request to generate a recommendation for a first user, the server further receiving a set of attributes of the first user; identifies at least one missing attribute for the first user and an existing user profile corresponding to a second user having the set of attributes; executes an artificial intelligence model trained based on personas corresponding to a set of existing users, wherein the artificial intelligence model estimates the at least one missing attribute of the first user; updates a user profile of the first user using the estimated at least one missing attribute generated by the artificial intelligence model; generates the recommendation based on the updated user profile; and transmits the recommendation to be displayed on the graphical user interface.

Claims (36)

1. A method comprising:

receiving, by a server from a computing device, a request to generate a recommendation associated with a first user, the server further receiving a set of attributes of the first user from a graphical user interface displayed on the computing device;

identifying, by the server, at least one missing attribute associated with the first user;

identifying, by the server, an existing user profile corresponding to a second user having the set of attributes;

executing, by the server, an artificial intelligence model trained based on personas corresponding to a set of existing users, wherein the artificial intelligence model uses the set of attributes of the identified existing user profile to estimate the at least one missing attribute of the first user;

updating, by the server, a user profile of the first user using the estimated at least one missing attribute generated by the artificial intelligence model;

generating, by the server, the recommendation based on the updated user profile; and

transmitting, by the server to the computing device, the recommendation to be displayed on the graphical user interface.

2. The method of claim 1 , wherein the artificial intelligence model uses personas corresponding to non-personally identifiable data of existing users.

3. The method of claim 1 , further comprising displaying, by the server, the estimated at least one missing attribute on the graphical user interface.

4. The method of claim 3 , wherein the server generates the recommendation in response to receiving an approval associated with the at least one missing attribute from the computing device.

5. The method of claim 4 , wherein when the server receives an input from the computing device corresponding to a denial of the estimated at least one missing attribute, the server re-executes the artificial intelligence model to revise the estimated at least one missing attribute.

6. The method of claim 1 , wherein the graphical user interface is displayed in a browser application.

7. The method of claim 1 , wherein the recommendation is an insurance product.

8. The method of claim 1 , wherein the server assigns a priority weight to each attribute within the set of attributes.

9. The method of claim 1 , wherein the artificial intelligence model prioritizes one or more attributes based on their respective priority weight when estimating the missing attribute.

10. The method of claim 1 , wherein the artificial intelligence model uses a K-nearest-neighbor algorithm or a non-negative matrix factorization algorithm to calculate the at least one missing attribute.

11. A computer system comprising:

a computing device configured to display a graphical user interface having a plurality of input fields configured to receive a set of attributes of a first users; and

a server in communication with the computing device, the server configured to:

receive, from the computing device, a request to generate a recommendation associated with the first user, the server further receiving a set of attributes of the first user from the graphical user interface displayed on the computing device;

identify at least one missing attribute associated with the first user;

identify an existing user profile corresponding to a second user having the set of attributes;

execute an artificial intelligence model trained based on personas corresponding to a set of existing users, wherein the artificial intelligence model uses the set of attributes of the identified existing user profile to estimate the at least one missing attribute of the first user;

update a user profile of the first user using the estimated at least one missing attribute generated by the artificial intelligence model;

generate the recommendation based on the updated user profile; and

transmit, to the computing device, the recommendation to be displayed on the graphical user interface.

12. The system of claim 11 , wherein the artificial intelligence model uses personas corresponding to non-personally identifiable data of existing users.

13. The system of claim 11 , further comprising displaying, by the server, the estimated at least one missing attribute on the graphical user interface.

14. The system of claim 13 , wherein the server generates the recommendation in response to receiving an approval associated with the at least one missing attribute from the computing device.

15. The system of claim 14 , wherein when the server receives an input from the computing device corresponding to a denial of the estimated at least one missing attribute, the server re-executes the artificial intelligence model to revise the estimated at least one missing attribute.

16. The system of claim 11 , wherein the graphical user interface is displayed in a browser application.

17. The system of claim 11 , wherein the recommendation is an insurance product.

18. The system of claim 11 , wherein the server assigns a priority weight to each attribute within the set of attributes.

19. The system of claim 11 , wherein the artificial intelligence model prioritizes one or more attributes based on their respective priority weight when estimating the missing attribute.

20. The system of claim 11 , wherein the artificial intelligence model uses a K-nearest-neighbor algorithm or a non-negative matrix factorization algorithm to calculate the at least one missing attribute.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jan 27, 2020
From: ROSS, GARETH; MERRITT, SEARS
To: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
Reel/Frame 051635/0749 →
Continuity (2)
Continuation 15287503 · Oct 6, 2016
Provisional Application 62238020 · Oct 6, 2015
Cited By (3)
US 12,572,846 US 12,574,399 US 12,695,752