Techniques to visualize and gamify risk management services

• US 10,282,786 B1
• Filed: 03/19/2015
• Issued: 05/07/2019
• Est. Priority Date: 05/29/2014
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: United Services Automobile Association
• Inventors: Osborne, Shane C., Fernandez, Jr., Jaime
• Primary Examiner(s): Shrestha, Bijendra K
• Application Number:
  US14/663,137
• Time in Patent Office: 1,510 Days
• CPC Class Codes: A63F 13/25 Output arrangements for video game devices
• CPC Class Codes: A63F 13/537 using indicators, e.g. showing the condition of a game character on screen
• CPC Class Codes: A63F 13/65 automatically by game devices or servers from real world data, e.g. measurement in live racing competition
• CPC Class Codes: A63F 13/80 Special adaptations for executing a specific game genre or game mode
• CPC Class Codes: A63F 13/822 Strategy games; Role-playing games A63F13/825, A63F13/828 take precedence
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G09B 9/00 Simulators for teaching or training purposes for the use of weapons F41; computing aspects G06; protocols for games, networked simulations or virtual reality H04L67/131

Abstract

Techniques for gamifying risk management services include associating a financial status of a user with a defensible position display element in a gameplay scenario, receiving risk management data regarding at least one risk management service secured by the user, associating the risk management service with at least one defensive display element in the gameplay scenario, and providing the defensible position display element and each defensive display element to a display to cause the display to visualize the defensible position display element protected by each defensive display element in the gameplay scenario.

Claims

1. A method for providing a Graphical User Interface (GUI) for gamifying risk management services the method comprising:

associating, by a processor, a financial status of a user with a defensible position display element in a gameplay scenario and generating the defensible position display element on the GUI wherein the visual size of the defensible position display element is proportional to the financial status of the user;

receiving, by the processor, risk management data regarding at least one risk management service secured by the user;

associating, by the processor the risk management service with at least one defensive display element in the gameplay scenario and generating the at least one defensive display element on the GUI wherein the visual size of the at least one defensive display element is proportional to a risk mitigation value; and

displaying, by the processor, the defensible position display element and each defensive display element on the GUI for visualizing the defensible position display element protected by each defensive display element in the gameplay scenario wherein the financial status of the user is an initial financial status, wherein the risk management service is an initial risk management service; and

evaluating, by the processor, at least one financial impact scenario using a Monte Carlo simulation engine against the initial risk management service and the initial financial status in the gameplay scenario to yield a resultant risk management service and a resultant financial status, respectively;

modifying, by the processor, each defensive display element by the resultant risk management service to yield at least one modified defensive display element in the gameplay scenario as shown on the GUI;

modifying, by the processor, the defensible position display element by the resultant financial status to display on the GUI a modified defensible position display element in the gameplay scenario;

displaying, by the processor, each modified defensive display element and the modified defensible position display element on the GUI and causing the display to visualize each modified defensive display element and the defensible position display element, respectively, in the gameplay scenario; and

executing, by the processor, at least one financial impact scenario in the gameplay scenario including;

determining and providing modifications to at least one of the defensible position display element and the defensive display element responsive to the financial impact scenario wherein the modifications include actions that mitigate the financial impact scenario; and

modify the display and visualize an attack on the at least the one of the defensible position display element and the defensive display element and visualize the modifications to the at least one of the defensible position display element and the defensive display element responsive to the attack and displaying mitigation of the financial impact scenario; and

executing, by the processor, at least one asset purchase scenario by the user in the gameplay scenario including;

determining and providing modifications to at least one of the defensible position display element and the defensive display element displayed on the GUI resulting from the at least one asset purchase; and

determining and providing indication on the GUI a financial impact to the user resulting from the at least one asset purchase.

2. The method of claim 1, wherein, providing each modified defensive display element to the display comprises providing each modified defensive display element to the display to cause the display to visualize each defensive display element in a reduced protection state in the gameplay scenario.

3. The method of claim 1, wherein, providing the modified defensible position display element to the display comprises providing the modified defensible position to the display to cause the display to visualize the defensible position display element in a damaged state in the gameplay scenario.

4. The method of claim 1, further comprising:

determining, by the processor, a risk management change between the initial risk management service and the resultant risk management service;

determining, by the processor, a financial status change between the initial financial status and the resultant financial status;

associating, by the processor, the risk management change and the financial status change with a game play time period;

wherein, modifying each defensive display element by the resultant risk management service comprises iteratively modifying each defensive position display element by the risk management change according to the game play time period; and

wherein, modifying the defensible position display element by the resultant financial status comprises iteratively modifying the defensible position display element by the financial status change according to the game play time period.

5. The method of claim 1, wherein the risk management data comprises risk management data regarding a plurality of risk management services secured by the user, and

wherein, associating the risk management service with at least one defensive display element comprises, associating, by the processor each risk management service with a corresponding defensive display element.

6. The method of claim 1, wherein the risk management service comprises an insurance service.

7. The method of claim 1, wherein the risk management service comprises automobile insurance, vehicle insurance, home owners insurance, rental insurance, an emergency fund, health insurance, life insurance, term insurance, property insurance, and umbrella insurance.

8. The method of claim 1, wherein the financial status of the user comprises at least one of a net worth, a total value of assets, a financial stock portfolio value, a bank account value, a mortgage value, a debt value, an emergency fund value, and a credit value.

9. The method of claim 1, wherein the financial impact scenario comprises at least one of a fire, an auto accident, a car repair, a medical bill, a newborn, a death, a lawsuit, long term care, and a natural disaster.

10. The method of claim 1, wherein the defensible position display element comprises at least one of a house, a building, and a structure.

11. The method of claim 1, wherein the at least one defensive display element comprises at least one of a wall, a bridge, a moat, a barricade, a body of water, an obstacle, and one or more guards.

12. The method of claim 1, wherein the defensible position display element comprises a structure having a size correlating to the financial status of the user.