Inferring user risk profile from travel patterns
First Claim
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1. A method comprising:
- receiving, via a wireless network, in a first server from a personal digital assistant (PDA), data indicative of a travel pattern of a user of the PDA, feed data, and sensor information, the first server including a memory to maintain a user database including information received from a plurality of PDAs including the PDA;
inferring a risk profile of the user of the PDA from the travel pattern, wherein inferring the risk profile comprises assessing a state-of-mind of the user based at least in part on the travel pattern, the feed data and the sensor information; and
outputting the risk profile to an external system coupled to the first server via a second network, the external system including a second memory to store a second user database including a plurality of risk profiles of users of at least some of the plurality of PDAs, so as to enable the external system to provide to the user a commercial offer, via the wireless network, to a user interface of the PDA comprising a display, and at a particular time based on the state-of-mind, the commercial offer based on a risk level which is indicated by the risk profile.
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Abstract
A method for estimating a risk profile of a user of a personal digital assistant (PDA) includes collecting, using the PDA, data indicative of a travel pattern of the user of the PDA. The risk profile of the user of the PDA is inferred from the travel pattern. The risk profile to is output an external system, so as to enable the external system to provide to the user a commercial offer based on a risk level which is indicated by the risk profile.
70 Citations
21 Claims
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1. A method comprising:
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receiving, via a wireless network, in a first server from a personal digital assistant (PDA), data indicative of a travel pattern of a user of the PDA, feed data, and sensor information, the first server including a memory to maintain a user database including information received from a plurality of PDAs including the PDA; inferring a risk profile of the user of the PDA from the travel pattern, wherein inferring the risk profile comprises assessing a state-of-mind of the user based at least in part on the travel pattern, the feed data and the sensor information; and outputting the risk profile to an external system coupled to the first server via a second network, the external system including a second memory to store a second user database including a plurality of risk profiles of users of at least some of the plurality of PDAs, so as to enable the external system to provide to the user a commercial offer, via the wireless network, to a user interface of the PDA comprising a display, and at a particular time based on the state-of-mind, the commercial offer based on a risk level which is indicated by the risk profile. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. An apparatus, comprising:
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a user interface comprising a display; one or more sensors; a memory to store a vector of values that represent a state of a user of the apparatus; a communication interface to communicate wirelessly; and at least one processor, which is configured to collect from the one or more sensors data which is indicative of a travel pattern of the user of the apparatus, and to collect feed data and compute the vector of values, to infer a risk profile of the user of the apparatus, including assessment of a state-of-mind of the user based at least in part on the travel pattern and the feed data, and to output the risk profile to an external system via the communication interface, so as to enable the external system to provide to the user a commercial offer, via the user interface, and at a particular time based on the state-of-mind, the commercial offer based on a risk level which is indicated by the risk profile. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A computer software product, comprising a non-transitory computer-readable medium in which program instructions are stored, which instructions, when read by at least one processor, cause the at least one processor to:
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collect, in the at least one processor, from one or more sensors data which is indicative of a travel pattern of a user of a PDA which comprises the at least one processor, a memory to store a vector of values that represent a state of a user of the PDA, a communication interface to communicate wirelessly, and a user interface comprising a display; collect feed data and compute the vector of values, to infer based on the travel pattern a risk profile of the user of the PDA, including assessment of a state-of-mind of the user based at least in part on the travel pattern and the feed data; and output the risk profile via the communication interface to an external system so as to enable the external system to provide to the user via the communication interface a commercial offer, via the user interface of the PDA, and at a particular time based on the state-of-mind, the commercial offer based on a risk level which is indicated by the risk profile.
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Specification