IP Library Granted Patent US 12,243,103
Granted Patent B2
US 12,243,103 · App. 18/145,786 · Granted Mar 4, 2025

Immutable workflows for the encapsulation and modularization of processes

Inventors: Scott Tsuchiyama (Dallas, TX); Matthew Planchard (Austin, TX); Asim Ranginwala (Irving, TX)
Assignee: Bestow Inc.
G06Q40/08G06F11/3476G06F11/362G06F16/258G06Q10/10G06Q20/401
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Quick Facts
Patent No.
US 12,243,103
App. No.
18/145,786
Filed
Dec 22, 2022
Granted
Mar 4, 2025
Kind
B2
Art Unit
3693
USPC
705/4
Abstract

In general, this disclosure involves systems, software, and computer implemented methods including receiving a workflow defining (1) a plurality of parameters to be defined during completion of a digital applications, (2) a sequence of operations, and (3) one or more evaluation rules, the workflow having been defined by an external system and received at an integration platform. An application service generates a digital application based on the workflow, the digital application including a reference to the workflow. The integration platform can cause a locked workflow to be immutably stored in a repository at the integration platform. The integration platform sends the digital application to a client device, the digital application configured to be presented on the client device in accordance with the sequence of operations.

Claims (46)

1. A method for processing digital applications, the method comprising:

receiving, by an integration platform, a workflow defining (1) a plurality of parameters to be defined during completion of a digital application, (2) a sequence of operations, and (3) one or more evaluation rules, wherein the workflow is defined by an external system;

generating, by an application service executing on the integration platform, a digital application based on the workflow, the digital application comprising a reference to the workflow;

locking, by the integration platform, the workflow, wherein the locked workflow is immutably stored in a repository at the integration platform;

sending, by the integration platform, the digital application to a client device, wherein the digital application is configured to be presented on the client device in accordance with the sequence of operations;

receiving, from the client device, a completed digital application comprising inputs to the plurality of parameters; and

determining, by the integration platform, that the completed digital application is to be approved based on evaluating the inputs using the one or more evaluation rules.

2. The method of claim 1 , wherein evaluating the inputs using the one or more evaluation rules comprises:

sending reflexive questions to the client device; and

receiving additional inputs based on the reflexive questions.

3. The method of claim 1 , wherein transmitting the digital application to the client device comprises transmitting a universal resource locator (URL) to a digital device that, when interacted with, causes the client device to display the digital application in an interactive graphical user interface (GUI) hosted by the integration platform.

4. The method of claim 1 , wherein generating the digital application based on the workflow comprises calling one or more external systems and collecting data from the one or more external systems.

5. The method of claim 1 , wherein the plurality of parameters comprises a plurality of questions to be answered, and wherein the questions are immutably stored verbatim with the workflow at the integration platform.

6. The method of claim 1 , wherein the digital application is a life insurance application, and wherein plurality of parameters comprise a price and a term associated with a life insurance policy.

7. The method of claim 1 , wherein the completed digital application, including the reference to the workflow is stored in the repository with the locked workflow.

8. The method of claim 1 , comprising: transmitting an approval signal to the external system in response to determining that the completed digital application is to be approved.

9. A non-transitory computer-readable storage medium storing one or more instructions executable by a computer system to perform operations comprising:

receiving, by an integration platform, a workflow defining (1) a plurality of parameters to be defined during completion of a digital application, (2) a sequence of operations, and (3) one or more evaluation rules, wherein the workflow is defined by an external system;

generating, by an application service executing on the integration platform, a digital application based on the workflow, the digital application comprising a reference to the workflow;

locking, by the integration platform, the workflow, wherein the locked workflow is immutably stored in a repository at the integration platform;

sending, by the integration platform, the digital application to a client device, wherein the digital application is configured to be presented on the client device in accordance with the sequence of operations;

receiving, from the client device, a completed digital application comprising inputs to the plurality of parameters; and

determining, by the integration platform, that the completed digital application is to be approved based on evaluating the inputs using the one or more evaluation rules.

10. The computer-readable medium of claim 9 , wherein evaluating the inputs using the one or more evaluation rules comprises:

sending reflexive questions to the client device; and

receiving additional inputs based on the reflexive questions.

11. The computer-readable medium of claim 9 , wherein transmitting the digital application to the client device comprises transmitting a universal resource locator (URL) to a digital device that, when interacted with, causes the client device to display the digital application in an interactive graphical user interface (GUI) hosted by the integration platform.

12. The computer-readable medium of claim 9 , wherein generating the digital application based on the workflow comprises calling one or more external systems and collecting data from the one or more external systems.

13. The computer-readable medium of claim 9 , wherein the plurality of parameters comprises a plurality of questions to be answered, and wherein the questions are immutably stored verbatim with the workflow at the integration platform.

14. The computer-readable medium of claim 9 , wherein the digital application is a life insurance application, and wherein plurality of parameters comprise a price and a term associated with a life insurance policy.

15. The computer-readable medium of claim 9 , wherein the completed digital application, including the reference to the workflow is stored in the repository with the locked workflow.

16. The computer-readable medium of claim 9 , comprising: transmitting an approval signal to the external system in response to determining that the completed digital application is to be approved.

17. A computer-implemented system, comprising:

one or more computers; and

one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform one or more operations comprising:

receiving, by an integration platform, a workflow defining (1) a plurality of parameters to be defined during completion of a digital application, (2) a sequence of operations, and (3) one or more evaluation rules, wherein the workflow is defined by an external system;

generating, by an application service executing on the integration platform, a digital application based on the workflow, the digital application comprising a reference to the workflow;

locking, by the integration platform, the workflow, wherein the locked workflow is immutably stored in a repository at the integration platform;

sending, by the integration platform, the digital application to a client device, wherein the digital application is configured to be presented on the client device in accordance with the sequence of operations;

receiving, from the client device, a completed digital application comprising inputs to the plurality of parameters; and

determining, by the integration platform, that the completed digital application is to be approved based on evaluating the inputs using the one or more evaluation rules.

18. The system of claim 17 , wherein evaluating the inputs using the one or more evaluation rules comprises:

sending reflexive questions to the client device; and

receiving additional inputs based on the reflexive questions.

19. The system of claim 17 , wherein transmitting the digital application to the client device comprises transmitting a universal resource locator (URL) to a digital device that, when interacted with, causes the client device to display the digital application in an interactive graphical user interface (GUI) hosted by the integration platform.

20. The system of claim 17 , wherein generating the digital application based on the workflow comprises calling one or more external systems and collecting data from the one or more external systems.

Assignments (7)
RELEASE OF SECURITY INTEREST Recorded May 7, 2025
From: TRINITY CAPITAL INC.
To: BESTOW INC.
Reel/Frame 071055/0606 →
RELEASE OF SECURITY INTEREST Recorded May 6, 2025
From: SILICON VALLEY BANK, A DIVISION OF FIRST-CITIZENS BANK & TRUST COMPANY
To: BESTOW INC.
Reel/Frame 071040/0378 →
SECURITY INTEREST Recorded May 2, 2025
From: BESTOW INC.
To: TRIPLEPOINT CAPITAL LLC
Reel/Frame 071013/0471 →
SECURITY INTEREST Recorded Feb 3, 2025
From: BESTOW INC.
To: TRINITY CAPITAL INC.
Reel/Frame 070094/0231 →
CORRECTIVE ASSIGNMENT TO CORRECT THE CORRECT THE SPELLING OF THE NAME OF THE FIRST-NAMED INVENTOR ON THE ASSIGNMENT COVERSHEET FROM SCOTT TSUCHIYMA TO SCOTT TSUCHIYAMA PREVIOUSLY RECORDED AT REEL: 63110 FRAME: 503. ASSIGNOR(S) HEREBY CONFIRMS THE ASSIGNMENT. Recorded Jan 28, 2025
From: TSUCHIYAMA, SCOTT; PLANCHARD, MATTHEW; RANGINWALA, ASIM
To: BESTOW INC.
Reel/Frame 070031/0903 →
SECURITY INTEREST Recorded Aug 14, 2024
From: BESTOW INC.
To: SILICON VALLEY BANK, A DIVISION OF FIRST-CITIZENS BANK & TRUST COMPANY
Reel/Frame 068286/0981 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 27, 2023
From: TSUCHIYMA, SCOTT; PLANCHARD, MATTHEW; RANGINWALA, ASIM
To: BESTOW INC.
Reel/Frame 063110/0503 →
Continuity (2)
Provisional Application 63345717 · May 25, 2022
Related Publication 20230385939A1 · Nov 30, 2023
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