Granted Patent B2

US 12,602,730 · App. 18/776,410 · Granted Apr 14, 2026

Inventors: Sina Chehrazi (New York, NY); Josh Allen Brown (San Diego, CA); Lisa Renee Carpenter (Jackson, WY); Akash Magoon (New York, NY); Aman Magoon (Fallston, MD)

Assignee: Nayya Health, Inc.

G06Q40/0822G06N20/00G06Q30/0203G06Q40/08G06Q40/082G16H10/60

Abstract

Claims (70)

1 . A data processing system comprising:

a processor; and

a machine-readable medium storing executable instructions that, when executed, cause the processor to perform operations comprising:

obtaining an electronic copy of first demographic information associated with a user from a plurality of electronic data sources via secure and authenticated pipelines;

analyzing the first demographic information using a parsing engine to reformat the first demographic information according to a standard schema to generate first standardized demographic information;

analyzing the first standardized demographic information to obtain predicted medical spending information for the user by analyzing the first demographic information using a consumption cluster prediction model, the consumption cluster prediction model being trained using training data formatted according to the standard schema to associate the user with a cluster of other people based on the first demographic information and to output predicted medical spending information for the user based on medical spending by the cluster of other people;

providing the predicted medical spending information to a recommendation engine to generate a customized comprehensive insurance plan for the user comprising a plurality of insurance policies based on the predicted medical spending information;

generating an insurance recommendation report that presents the customized comprehensive insurance plan to the user;

causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report;

receiving feedback from a plan recommendation unit based on user acceptance of the customized comprehensive insurance plan;

analyzing the feedback using a model update unit; and

fine-tuning training of the consumption cluster prediction model based on the feedback.

2 . The data processing system of claim 1 , wherein the customized comprehensive insurance plan comprises a bundle of insurance policies selected based on the predicted medical spending information.

3 . The data processing system of claim 2 , wherein generating the insurance recommendation report further comprises:

obtaining a description of each insurance policy including the bundle of insurance policies;

generating a narrative indicating why each insurance policy including in the bundle of insurance policies has been selected for the user; and

generating the insurance recommendation report to present the narrative and the description of each insurance policy.

4 . The data processing system of claim 2 , wherein the machine-readable medium includes instructions configured to cause the processor to perform:

causing a user interface of a display of a computing device associated with the user to present a policy procurement user interface, the policy procurement user interface configured to guide the user through obtaining one or more policies included in the bundle of insurance policies.

5 . The data processing system of claim 2 , wherein the predicted medical spending information includes a predicted amount spent on medical claims and types of claims typically filed by people associated with the cluster of other people.

6 . The data processing system of claim 2 , wherein the machine-readable medium includes instructions configured to cause the processor to perform:

dynamically generating a plurality of questions to obtain second demographic information for the user by identifying additional demographic information relevant to the user for determining insurance coverage needs of the user using a demographic information model, the demographic information model trained to receive as an input the first demographic information for the user and to predict and output additional information demographic information relevant for determining insurance coverage needs of the user based on the first demographic information.

7 . The data processing system of claim 6 , wherein the machine-readable medium includes instructions configured to cause the processor to perform:

obtaining the second demographic information as responses to the plurality of questions; and

combining the second demographic information with the first demographic information before providing the first demographic information as an input to the consumption cluster prediction model.

8 . A method implemented in a data processing system for recommending insurance plans, the method comprising:

obtaining an electronic copy of first demographic information associated with a user from a plurality of electronic data sources via secure and authenticated pipelines;

analyzing the first demographic information using a parsing engine to reformat the first demographic information according to a standard schema to generate first standardized demographic information;

analyzing the first standardized demographic information to obtain predicted medical spending information for the user by analyzing the first demographic information using a consumption cluster prediction model, the consumption cluster prediction model being trained using training data formatted according to the standard schema to associate the user with a cluster of other people based on the first demographic information and to output predicted medical spending information for the user based on medical spending by the cluster of other people;

providing the predicted medical spending information to a recommendation engine to generate a customized comprehensive insurance plan for the user comprising a plurality of insurance policies based on the predicted medical spending information;

generating an insurance recommendation report that presents the customized comprehensive insurance plan to the user;

causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report;

receiving feedback from a plan recommendation unit based on user acceptance of the customized comprehensive insurance plan;

analyzing the feedback using a model update unit; and

fine-tuning training of the consumption cluster prediction model based on the feedback.

9 . The method of claim 8 , wherein the customized comprehensive insurance plan comprises a bundle of insurance policies selected based on the predicted medical spending information.

10 . The method of claim 9 , wherein generating the insurance recommendation report further comprises:

obtaining a description of each insurance policy including the bundle of insurance policies;

generating a narrative indicating why each insurance policy including in the bundle of insurance policies has been selected for the user; and

generating the insurance recommendation report to present the narrative and the description of each insurance policy.

11 . The method of claim 9 , further comprising:

causing a user interface of a display of a computing device associated with the user to present a policy procurement user interface, the policy procurement user interface configured to guide the user through obtaining one or more policies included in the bundle of insurance policies.

12 . The method of claim 9 , wherein the predicted medical spending information including a predicted amount spent on medical claims and types of claims typically filed by people associated with the cluster of other people.

13 . The method of claim 9 , further comprising:

dynamically generating a plurality of questions to obtain second demographic information for the user by identifying additional demographic information relevant to the user for determining insurance coverage needs of the user using a demographic information model, the demographic information model trained to receive as an input the first demographic information for the user and to predict and output additional information demographic information relevant for determining insurance coverage needs of the user based on the first demographic information.

14 . The method of claim 13 , further comprising:

obtaining the second demographic information as responses to the plurality of questions; and

combining the second demographic information with the first demographic information before providing the first demographic information as an input to the consumption cluster prediction model.

15 . A machine-readable medium storing instructions that, when executed, cause a processor of a programmable device to perform operations of:

obtaining an electronic copy of first demographic information associated with a user from a plurality of electronic data sources via secure and authenticated pipelines;

analyzing the first demographic information using a parsing engine to reformat the first demographic information according to a standard schema to generate first standardized demographic information;

analyzing the first standardized demographic information to obtain predicted medical spending information for the user by analyzing the first demographic information using a consumption cluster prediction model, the consumption cluster prediction model being trained using training data formatted according to the standard schema to associate the user with a cluster of other people based on the first demographic information and to output predicted medical spending information for the user based on medical spending by the cluster of other people;

providing the predicted medical spending information to a recommendation engine to generate a customized comprehensive insurance plan for the user comprising a plurality of insurance policies based on the predicted medical spending information;

generating an insurance recommendation report that presents the customized comprehensive insurance plan to the user;

causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report;

receiving feedback from a plan recommendation unit based on user acceptance of the customized comprehensive insurance plan;

analyzing the feedback using a model update unit; and

fine-tuning training of the consumption cluster prediction model based on the feedback.

16 . The machine-readable medium of claim 15 , wherein the customized comprehensive insurance plan comprises a bundle of insurance policies selected based on the predicted medical spending information.

17 . The machine-readable medium of claim 16 , wherein generating the insurance recommendation report further comprises:

obtaining a description of each insurance policy including the bundle of insurance policies;

generating a narrative indicating why each insurance policy including in the bundle of insurance policies has been selected for the user; and

generating the insurance recommendation report to present the narrative and the description of each insurance policy.

18 . The machine-readable medium of claim 16 , wherein the machine-readable medium includes instructions configured to cause the processor to perform:

causing a user interface of a display of a computing device associated with the user to present a policy procurement user interface, the policy procurement user interface configured to guide the user through obtaining one or more policies included in the bundle of insurance policies.

19 . The machine-readable medium of claim 15 , wherein the predicted medical spending information including a predicted amount spent on medical claims and types of claims typically filed by people associated with the cluster of other people.

20 . The machine-readable medium of claim 15 , the machine-readable medium includes instructions configured to cause the processor to perform:

dynamically generating a plurality of questions to obtain second demographic information for the user by identifying additional demographic information relevant to the user for determining insurance coverage needs of the user using a demographic information model, the demographic information model trained to receive as an input the first demographic information for the user and to predict and output additional information demographic information relevant for determining insurance coverage needs of the user based on the first demographic information;

obtaining the second demographic information as responses to the plurality of questions; and

combining the second demographic information with the first demographic information before providing the first demographic information as an input to the consumption cluster prediction model.

Assignments (2)

Continuity (4)

References Cited (105)