System and method for providing wellness recommendation

1. A method for providing a recommended wellness behavior using a machine learning algorithm, the method comprising:

a) receiving, for a user, user data for different wellness components, the user data comprising:

i) device data indicative of a physical health status or a stress status of the user;

ii) financial data for the user; and

iii) psychological data for the user;

b) receiving standards for the different wellness components;

c) for each wellness component, the machine learning algorithm:

i) determining a current user score based on the received user data;

ii) determining a comparison score based on the current user score;

iii) determining a deviation between the comparison score and the standard for the wellness component;

d) the machine learning algorithm identifying at least one recommended behavior to be performed by the user, the identification being based on the determination, for each wellness component, of the deviation between the comparison score and the standard for the wellness component; and

e) outputting data associated with the at least one recommended behavior to a training algorithm;

f) the training algorithm determining modified decision parameters for the machine learning algorithm based on the data associated with the at least one recommended behavior;

g) updating the machine learning algorithm based on the modified decision parameters; and

h) repeating operations c) and d) using the updated machine learning algorithm to generate at least one subsequent recommended behavior;

i) wherein operations a) to h) are performed by one or more processors.

2. The method of claim 1 wherein the each of the standards for the wellness components is either a demographic standard or a customized wellness standard.

3. The method of claim 1 further comprising receiving at least one user behavior preference indicative of a preferred recommended behavior, wherein the identification of the at least one recommended behavior is based on the at least one user behavior preference.

4. The method of claim 1 wherein the user behavior preferences comprises at least one of a preferred breathing technique or a preferred mindfulness exercise.

5. The method of claim 1 :

wherein the device data is obtained from the wearable device and is real-time data;

wherein operations a) to d) e) are repeated in real-time to provide an indicator of the at least one recommended behavior in real-time.

6. The method of claim 1 wherein the comparison score is a predicted future score, the predicted future score being determined based on:

the current user score;

a deviation between the current user score and the standard; and

a controller coefficient that depends on a demographic for the user.

7. The method of claim 6 wherein the determination of the deviation between the current user score and the demographic standard uses bias-based reasoning.

8. The method of claim 1 wherein the identification of at least one recommended behavior uses bias-based reasoning.

9. The method of claim 1 wherein the comparison score is the current user score.

10. The method of claim 1 wherein the comparison score is further based on previously-determined current user scores.

11. The method of claim 1 wherein the user data includes current data and historical data.

12. The method of claim 1 :

wherein the wellness components are grouped into at least one of three wellness categories, the wellness categories being psychological, physical, and financial;

wherein the psychological wellness category comprises at least one of the following wellness components: positivity, engagement, relationships, meaning, accomplishment, emotional stability, optimism, resilience, self esteem, or vitality;

wherein the physical wellness category comprises at least one of the following wellness components: weight, blood pressure, sugar, heart rate, age, sleep, diet; and

wherein the financial wellness category comprises at least one of the following wellness components: spending less than income, timely bill-paying, sufficient liquid savings, sufficient long-term savings, manageable debt load, prime credit score, have appropriate insurance, and plan ahead for expenses.

13. The method of claim 1 wherein gradient ascent algorithm or a recursive algorithm is used to carry out step c).

14. The method of claim 1 wherein the identification of the recommended behaviors is further based on past user recommendations.

15. The method of claim 1 further comprising outputting an indicator of the at least one recommended behavior, wherein the indicator comprises a report, an SMS message, an email, or a haptic alert.

16. The method of claim 1 further comprising outputting an indicator of the at least one recommended behavior, wherein the indicator is communicated to the user via the a wearable device.

17. A system for providing a recommended wellness behavior, the system comprising:

a) a wearable device configured to obtain device data indicative of a physical health status or a stress status of a user;

b) a server configured to carry out the operations of:

i) receiving user data for different wellness components, the user data comprising:

1) The device data;

2) Financial data for the user; and

3) Psychological data for the user;

ii) receiving standards for the different wellness components;

iii) for each wellness component, a machine learning algorithm:

1) Determining a current user score based on the received user data;

2) Determining a comparison score based on the current user score;

3) Determining a deviation between the comparison score and the standard for the wellness component;

iv) the machine learning algorithm identifying at least one recommended behavior to be performed by the user, the identification being based on the determination, for each wellness component, of the deviation between the comparison score and the standard for the wellness component; and

v) outputting data associated with the at least one recommended behavior to a training algorithm;

vi) the training algorithm determining modified decision parameters for the machine learning algorithm based on the data associated with the at least one recommended behavior;

vii) updating the machine learning algorithm based on the modified decision parameters; and

viii) repeating operations c) and d) using the updated machine learning algorithm to generate at least one subsequent recommended behavior.

18. The system of claim 17 wherein the each of the standards for the wellness components is either a demographic standard or a customized wellness standard.

19. The system of claim 17 further comprising receiving at least one user behavior preference indicative of a preferred recommended behavior, wherein the identification of the at least one recommended behavior is based on the at least one user behavior preference.

20. The system of claim 17 wherein a gradient ascent algorithm or a recursive algorithm is used to carry out step c).