Methods and systems for personalized information content and delivery

• US 9,942,736 B1
• Filed: 03/07/2017
• Issued: 04/10/2018
• Est. Priority Date: 03/10/2016
• Status: Active Grant

• Current Assignee: United Services Automobile Association
• Original Assignee: UIPCO, LLC
• Inventors: Sharp, Sakina Hassonjee, Trevino, JoAnn, Shreder, Scott, Edmiston, Roland, Koch, Kristin, Manzoli, Nicholas
• Primary Examiner(s): Patel, Nimesh
• Application Number:
  US15/452,042
• Time in Patent Office: 399 Days
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/9537 Spatial or temporal dependent retrieval, e.g. spatiotemporal queries
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04L 63/107 wherein the security policies are location-dependent, e.g. entities privileges depend on current location or allowing specific operations only from locally connected terminals
• CPC Class Codes: H04L 63/20 for managing network security; network security policies in general filtering policies H04L63/0227
• CPC Class Codes: H04L 67/306 User profiles
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/63 Location-dependent; Proximity-dependent
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
• CPC Class Codes: H04W 4/18 Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 8/18 Processing of user or subscriber data, e.g. subscribed services, user preferences or user profiles; Transfer of user or subscriber data

Abstract

Methods and systems described in this disclosure are directed creating a profile for a user that includes information content rules and information delivery rules. Upon detecting a triggering event, a personalized set of information is created for the user based on the information content rules. The information is delivered to the user according to the information delivery rules.

Claims

1. A method comprising:

creating a profile for a remote subscriber, the profile having information content rules and information delivery rules; and

receiving a trigger at a server sent from a data source over the Internet, the server comprising a microprocessor and a memory that stores the remote subscriber'"'"'s profile, wherein the microprocessor, when directed by a set of instructions stored in the memory;

creates a personalized set of information according to the information content rules,

wherein the information content rules determine the personalized set of information based at least in part on a last transmitted personalized set of information, user preferences, a change in user specific information, and a priority of the personalized set of information, and

upon detecting the trigger;

determines to which device associated with the remote subscriber to transmit the personalized set of information and a format in which to transmit the personalized set of information,

wherein the information delivery rules determine the device and the format based at least in part on a location of the remote subscriber and a time of day, and

transmits the personalized set of information over a wireless communication channel to the device determined by the information delivery rules in the format.

2. The method of claim 1, wherein receiving the trigger comprises detecting a location of the remote subscriber, wherein the location of the remote subscriber is detected using at least one of:

a W-Fi signal, an RFID signal, an NFC signal, a satellite signal, a cellular signal, or a Bluetooth signal.

3. The method of claim 1 further comprising detecting a presence of a second device, wherein the information content rules further determine the personalized set of information based on the presence of the second device.

4. The method of claim 3, wherein the location of the remote subscriber is determined from the device or the second device.

5. The method of claim 1, wherein the personalized set of information comprises at least one of:

a status of an account, financial advice, a reminder to pay a bill, a reminder to deposit a check, a warning regarding the account, a recap of spending over a period of time, or an advertisement of a product or service.

6. The method of claim 1, wherein the set of instructions further causes the microprocessor to request authentication prior to transmitting the personalized set of information.

7. The method of claim 6, wherein detecting the trigger comprises detecting the location of the remote subscriber, wherein a level of the authentication is determined based on the location of the remote subscriber.

8. The method of claim 1, wherein the device is one of:

a radio, a mobile computing device, a laptop, a wearable computing device, or a vehicle, and wherein the format is one of;

a broadcast via a radio channel, a podcast, webcast, or a voicemail.

9. A non-transitory computer-readable storage medium comprising a set of instructions that, when executed by one or more processors cause a computing device to:

create a profile for a remote subscriber, the profile having information content rules and information delivery rules;

detect a location of a device associated with the remote subscriber;

when the location of the device triggers the information content rules, create a personalized set of information according to the information content rules, wherein the information content rules determine the personalized set of information based at least in part on the location of the device, a last transmitted personalized set of information, user preferences, a change in user specific information, and a priority of the personalized set of information;

determine a level of authentication required to access the personalized set of information; and

after the user is authenticated to the required level of authentication, transmit the personalized set of information over a wireless communication channel to the device or a second device associated with the remote subscriber in a format,

wherein the information delivery rules determine the device, the second device and the format based at least in part on a location of the remote subscriber and a time of day.

10. The non-transitory computer-readable storage medium of claim 9, wherein the location of the device associated with the remote subscriber is detected using at least one of:

a W-Fi signal, an RFID signal, an NFC signal, a satellite signal, a cellular signal, or a Bluetooth signal.

11. The non-transitory computer-readable storage medium of claim 9, wherein the set of instructions, when executed by the one or more processors, further cause the computing device to detect a presence of the second device, wherein the information content rules further determine the personalized information based on the presence of the second device.

12. The non-transitory computer-readable storage medium of claim 9, wherein the information content rules further determine the personalized set of information based on a day of week.

13. The non-transitory computer-readable storage medium of claim 9, wherein:

the personalized set of information comprises at least one of;

a status of an account, financial advice, a reminder to pay a bill, a reminder to deposit a check, a warning regarding the account, a recap of spending over a period of time, or an advertisement of a product or service,

the device is one of;

a radio, a mobile computing device, a laptop, a wearable computing device, or a vehicle, and

the format is one of;

a broadcast via a radio channel, a podcast, webcast, or a voicemail.

14. The non-transitory computer-readable storage medium of claim 9, wherein determining the level of the authentication is based on the location of the device associated with the remote subscriber.

15. A personalized information collection and delivery system, comprising:

one or more processors; and

a computer readable storage medium having instructions stored thereon, which when executed by the one or more processors cause the personalized information collection and delivery system to;

create a profile for a remote subscriber, the profile having information content rules and information delivery rules;

detect a location of a device associated with the remote subscriber;

when the location of the device triggers the information content rules, create a personalized set of information according to the information content rules, wherein the information content rules determine the personalized set of information based at least in part on the location of the device, a last transmitted personalized set of information, user preferences, a change in user specific information, and a priority of the personalized set of information;

determine a level of authentication required to access the personalized set of information; and

after the user is authenticated to the required level of authentication, transmit the personalized set of information over a wireless communication channel to a device or a second device associated with the remote subscriber in a format,

wherein the information delivery rules determine the device, the second device and the format based at least in part on a location of the remote subscriber and a time of day.

16. The personalized information collection and delivery system of claim 15, wherein the set of instructions, when executed by the one or more processors, further cause the personalized information collection and delivery system to detect a presence of the second device, wherein the information content rules further determine the personalized information based on the presence of the second device.

17. The personalized information collection and delivery system of claim 16, wherein the information content rules further determine the personalized set of information based on a day of week.