Lifescore

• US 9,483,606 B1
• Filed: 07/06/2012
• Issued: 11/01/2016
• Est. Priority Date: 07/08/2011
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Dean, Michael John, Kapczynski, Mark Joseph
• Primary Examiner(s): Alam, Hosain
• Assistant Examiner(s): Phan, Tuan-Khanh
• Application Number:
  US13/543,669
• Time in Patent Office: 1,579 Days
• Field of Search: 707/748
• US Class Current: 1/1
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: H04L 51/52 for supporting social networking services
• CPC Class Codes: H04L 67/55 Push-based network services

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.

Claims

1. A system for determining a life score for a user, the system comprising:

a data store configured to store information associated with a user

a computing device in communication with the data store, the computing device configured to;

receive, from the user, an indication of a life goal of the user;

determine, based on the received life goal, a first aspect of a life of the user associated with the life goal and a second aspect of the user'"'"'s life also associated with the life goal, wherein the first and second aspects are different and are selected from;

work, family, hobbies, education, finance, health, automobile, credit, location, news, or social;

based on the determined first aspect, determine a first subset of information on which a first aspect score is based;

based on the determined second aspect, determine a second subset of information on which a second aspect score is based;

access the first subset of information a first one or more remote computing systems;

access the second subset of information from a second one or more remote computing systems;

update the data store with the accessed first and second subsets of information;

determine, based on the life goal, a first weighting for the first aspect in calculating a life score of the user;

determine, based on the life goal, a second weighting for the second aspect in calculating the life score of the user, wherein the first and second weightings are different and are not dependent on the accessed first and second subsets of information;

determine the first aspect score based on at least the first subset of information;

determine the second aspect score based on at least the second subset of information;

evaluate a life score algorithm based on at least;

the first aspect score and the determined first weighting; and

the second aspect score and the determined second weighting;

wherein the life score algorithm generates the life score of the user;

apply one or more offer rules to at least some of the information associated with the user; and

in response to determining that the one or more offer rules are matched by the at least some of the information associated with the user, initiate transmission of an offer notification to an offer provider provide the generated life score to the user.

2. The system of claim 1, wherein the first and second one or more remote computing systems are associated with respective social networking sites, financial sites, storage sites, or other data repository.

3. The system of claim 1, wherein the computing device is further configured to:

receive, from a particular offer provider, the one or more offer rules,

wherein the offer notification is transmitted to the particular offer providers.

4. The system of claim 1, wherein the computing device is further configured to:

determine an initial life score of the user based on only a name, an email address, and an educational institution or an employer associated with the user.

5. The system of claim 1, wherein the computing device is further configured to:

provide one or more of the first aspect score, the second aspect score, and the life score to one or more friends of the user.

6. The system of claim 5, 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.

7. The system of claim 1, wherein the computing device is further configured to:

provide, to the user, generating a graph illustrating changes in the user'"'"'s life score over a prior time period.

8. The system of claim 7, wherein the prior time period is one hour, one day, one week, one month, or one year.

9. The system of claim 7, wherein the graph further illustrates changes of respective life scores of one or more friends of the user over the same prior time period.

10. The system of claim 7, wherein the graph includes user interfaces configured to provide information regarding changes of a predetermined amount to the user.

11. The system of claim 1,

wherein the computing device is further configured to:

customize the life score algorithm determining the life score of the user is based on a custom scoring model generated for the user.

12. The system of claim 11, wherein the custom life score algorithm is based on the information associated with the user.

13. The system of claim 11, wherein the custom life score algorithm is based on information provided by the user.

14. The system of claim 11, wherein the custom life score algorithm is based on characteristics of another user, wherein the user'"'"'s life score increases as characteristics of the user approach corresponding characteristics of the another.

15. The system of claim 14, wherein the another is a famous individual.

16. A method for determining a life score of a user, the method comprising:

receiving, from the user, an indication of a life goal of the user;

determining, based on the received life goal, a first aspect of the user'"'"'s life associated with the life goal and a second aspect of the user'"'"'s life also associated with the life goal, wherein the first and second aspects are different and are selected from;

work, family, hobbies, education, finance, health, automobile, credit, location, news, or social;

based on the determined first aspect, determining a first subset of information on which a first aspect score is based;

based on the determined second aspect, determining a second subset of information on which a second aspect score is based;

accessing the first subset of information from a first one or more remote computing systems;

accessing the second subset of information from a second one or more remote computing systems;

receiving from the user an indication of one or more life goals of the user;

determining weightings for components of a life score algorithm usable to calculate a life score of the user, said determining comprising;

determining, based on the life goal, a first weighting for the first aspect in calculating a life score of the user;

determining, based on the life goal, a second weighting for the second aspect in calculating the life score of the user, wherein the first and second weightings are different and are not dependent on the accessed first and second subsets of information;

determining a first component aspect score associated with based on at least the first aspect of the user'"'"'s life, based on at least the accessed subset of information associated with the first aspect;

determining a second component aspect score associated with based on at least the second aspect of the user'"'"'s life, based on at least the accessed subset of information associated with the second aspect;

evaluating a life score algorithm based on at least;

the first aspect score and the determined first weighting; and

the second aspect score and the determined second weighting;

wherein the life score algorithm generates the life score of the user;

applying one or more offer rules to information regarding the user including at least one of the first aspect score, the second aspect score, or the life score; and

in response to determining that the one or more offer rules are matched by the information regarding the user, initiating transmission of an offer notification.

17. The method of claim 16, further comprising:

receiving, from an offer provider, the one or more offer rules,

wherein the offer notification is transmitted to the offer.

20. The method of claim 16, further comprising:

accessing social network data of the user in order to determine one or more friends of the user; and

providing one or more of the first aspect score, the second aspect score, and the life score to one or more of the determined friends of the user.

18. A non-transitory computer-readable medium storing instructions configured to cause one or more computer processors to perform operations comprising:

receiving, from the user, an indication of a life goal of the user;

determining, based on the received life goal, a first aspect of a user'"'"'s life associated with the life goal and a second aspect of the user'"'"'s life also associated with the life goal, wherein the first and second aspects are different and are selected from;

work, family, hobbies, education, finance, health, automobile, credit, location, news, or social;

based on the determined first aspect, determining a first subset of information on which a first aspect score is based;

based on the determined second aspect, determining a second subset of information on which a second aspect score is based;

accessing the first subset of information from a first one or more remote computing systems;

accessing the second subset of information from a second one or more remote computing systems;

receiving from the user an indication of one or more life goals of the user;

determining weightings for components of a life score algorithm usable to calculate a life score of the user, said determining comprising;

determining, based on the life goal, a first weighting for the first aspect in calculating a life score of the user;

determining, based on the life goal, a second weighting for the second aspect in calculating the life score of the user, wherein the first and second weightings are different and are not dependent on the accessed first and second subsets of information;

determining a first component aspect score based on at least associated with the first subset of aspect of the user'"'"'s life, based on at least the accessed information associated with the first aspect;

determining a second aspect component score based on at least associated with the second subset of aspect of the user'"'"'s life, based on at least the accessed information associated with the second aspect;

evaluating a life score algorithm based on at least;

the first aspect score and the determined first weighting; and

the second aspect score and the determined second weighting;

wherein the life score algorithm generates the life score of the user; and

applying one or more offer rules to information regarding the user including at least one of the first aspect score, the second aspect score, or the life score; and

in response to determining that the one or more offer rules are matched by the information regarding the user, initiating transmission of an offer notification.

19. The non-transitory computer-readable medium of claim 18, wherein the operations further comprise:

receiving, from an offer provider, the one or more offer rules,

wherein the offer notification is transmitted to the offer.