LifeScore

Patent metadata

Field	Value
Publication number	US-11665253-B1
Application number	US-202017035347-A
Country	US
Kind code	B1
Filing date	Sep 28, 2020
Priority date	Jul 8, 2011
Publication date	May 30, 2023
Grant date	May 30, 2023

Abstract

Methods and systems are disclosed that generate life scores for individuals based on various information associated with the individuals. For example, life scores may be based on data associated with several aspects of the individual's life, such as work, family, hobbies, education, etc. The life scores may be generated in realtime and/or periodically and provided to the individual and/or shared with others in various formats.

First claim

What is claimed is:

1. A system for determining a score for a user, the system comprising:
a data store configured to store information associated with the user;
a computing device in communication with the data store, the computing device configured to:
receive a first score of the user based on a score algorithm, wherein the score algorithm generates the first score for the user based on information associated with the user;
identify an aspect that is used in the scoring algorithm to determine the first score;
determine a recommendation with respect to the aspect, wherein the recommendation suggests that the user provide additional information in order to increase the first score of the user;
provide the recommendation to the user to provide additional information in order to increase the first score of the user;
receive the additional information from the user to access one or more accounts of the user, wherein the received additional information enables the system to access one or more third party databases that include information associated with the user related to the aspect;
obtain third party data from at least a subset of the one or more third party databases based on the received additional information;
add the third party data to a database associated with the scoring algorithm;
obtain an updated score of the user based on the scoring algorithm using the third party data stored in the database; and
provide the updated score to the user.

2. The system of claim 1 , wherein the computing device is further configured to identify a targeted advertisement offer based on the updated score.

3. The system of claim 2 , wherein the targeted advertisement offer is to be displayed on respective social networking sites, financial sites, storage sites, or other data repository.

4. The system of claim 2 , wherein to identify the targeted advertisement offer comprises:
applying partner offer rules associated with respective partner offers to at least some of the stored information associated with the user.

5. The system of claim 1 , wherein the received additional information comprises login credentials for the one or more accounts.

6. The system of claim 1 , wherein the computing device is further configured to:
determine the first score of the user based on only a name, an email address, and an educational institution or an employer associated with the user.

7. The system of claim 1 , wherein the computing device is further configured to:
provide the updated score to one or more friends of the user.

8. The system of claim 7 , wherein the computing device is further configured to:
access social network data of the user in order to determine the one or more friends of the user.

9. The system of claim 1 , wherein the computing device is further configured to:
generate a graph illustrating changes in the user's score over a prior time period.

10. The system of claim 9 , wherein the prior time period is one hour, one day, one week, one month, or one year.

11. The system of claim 9 , wherein the graph further illustrates changes to respective scores of one or more friends of the user over the same prior time period.

12. The system of claim 9 , wherein the graph includes user interfaces configured to provide information regarding changes of a predetermined amount to the user.

13. A computer-implemented method for determining a score for a user, the method comprising:
receiving a first score of the user based on a score algorithm, wherein the score algorithm generates the first score for the user based on information associated with the user;
identifying an aspect that is used in the scoring algorithm to determine the first score;
determining a recommendation with respect to the aspect, wherein the recommendation suggests that the user provide additional information in order to increase the first score of the user;
providing the recommendation to the user to provide additional information in order to increase the first score of the user;
receiving the additional information from the user to access one or more accounts of the user, wherein the received additional information enables the system to access one or more third party databases that include information associated with the user related to the aspect;
obtaining third party data from at least a subset of the one or more third party databases based on the received additional information;
adding the third party data to a database associated with the scoring algorithm;
obtaining an updated score of the user based on the scoring algorithm using the third party data stored in the database; and
providing the updated score to the user.

14. The computer-implemented method of claim 13 , wherein the scoring algorithm is a custom scoring model.

15. The computer-implemented method of claim 14 , wherein the custom scoring model is based on the stored information regarding the user.

16. The computer-implemented method of claim 14 , wherein the custom scoring model is based on information provided by the user.

17. The computer-implemented method of claim 14 , wherein the custom scoring model is based on characteristics of another individual, wherein the user's score increases as the user's characteristics approach the characteristics of another individual.

18. The computer-implemented method of claim 13 , wherein the aspect comprises information regarding one or more financial accounts.

19. The method of claim 13 , wherein the aspect indicates characteristics of one or more financial accounts of the user.

Assignees

• Consumerinfo Com Inc

Inventors

• Dean Michael John
• Kapczynski Mark Joseph

Classifications

• G06Q10/40 Primary

  Business processes related to social networking or social networking services · CPC title

• H04L51/52

  for supporting social networking services · CPC title

• H04L67/55 Primary

  Push-based network services · CPC title

• G06Q50/01

  Physics · mapped topic

• G06Q10/44

  Identification of trends within social networks, e.g. identification of trending topics · CPC title