Geotribing

• US 10,733,560 B1
• Filed: 04/26/2018
• Issued: 08/04/2020
• Est. Priority Date: 06/30/2010
• Status: Active Grant

• Current Assignee: Allstate Insurance Company (Allstate Corporation)
• Original Assignee: Allstate Insurance Company (Allstate Corporation)
• Inventors: Warden, Thomas, Huls, Eric
• Primary Examiner(s): Fan, Hua
• Application Number:
  US15/963,779
• Time in Patent Office: 831 Days
• CPC Class Codes: G06F 16/24 Querying
• CPC Class Codes: G06Q 10/06 Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/06393 Score-carding, benchmarking or key performance indicator [KPI] analysis
• CPC Class Codes: G06Q 10/107 Computer-aided management of electronic mailing [e-mailing]
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 50/01 Social networking
• CPC Class Codes: H04L 67/01 Protocols
• CPC Class Codes: H04M 3/42382 Text-based messaging services in telephone networks such as PSTN/ISDN, e.g. User-to-User Signalling or Short Message Service for fixed networks

Abstract

A system and method for evaluating, scoring, and encouraging group performance towards a common goal is disclosed. In an embodiment, individuals of a group have an incentive to encourage other group members to drive better and achieve an improved overall driving score for the group. A group driving score is determined based on the driving performances of members of the group. The group may establish a driving score goal and work toward achieving that goal using real-time group reinforcement communications.

Claims

1. A computer-implemented method of improving a group user score, the method comprising:

(a) receiving, at a common interest server, data regarding a performance for a first user;

(b) determining, by the common interest server, a first user'"'"'s score based on the received first user'"'"'s performance;

(c) receiving, at the common interest server, data regarding a performance for a second user;

(d) determining, by the common interest server, a second user'"'"'s score based on the received second user'"'"'s performance;

(e) based on the received data for the first user'"'"'s performance and the second user'"'"'s performance, determining, by the common interest server, a group user score;

(f) transmitting, by the common interest server, the determined group user score to the first user and the second user;

(g) comparing, by the common interest server, the determined group user score to a first threshold;

(h) if the determined group user score exceeds the first threshold, transmitting, by the common interest server, a first predetermined message to the first and second user, the first predetermined message comprising information to assist the first user and the second user to improve the group user score; and

(i) if the determined group user score does not exceed the first threshold, transmitting, by the common interest server, a second predetermined message to the first and second user, the second predetermined message comprising information to assist the first user and the second user to improve the group user score;

wherein the determined group user score is selected from the group consisting of a determined group user financial position score, a determined group user energy usage score, and a determined group user weight loss score.

2. The method of claim 1, further comprising:

(j) transmitting, by the common interest server, the determined first user'"'"'s user score, the determined second user'"'"'s user score, and the determined group user score to at least all members of the group.

3. The method of claim 1, further comprising:

(j) receiving, at the common interest server, at least one communication from another group member regarding the determined group user score.

4. The method of claim 3, further comprising:

(k) transmitting, by the common interest server, the received at least one communication to all members of the group.

5. The method of claim 1, wherein the first predetermined message includes an indication that the determined group user score exceeds a predetermined goal.

6. The method of claim 5, wherein the first predetermined message further includes an indication that a reward has been achieved based on the determined group user score exceeding a predetermined goal.

7. The method of claim 1, wherein the second predetermined message includes an indication that the determined group user score falls short of a predetermined goal.

8. The method of claim 1, wherein the first and second predetermined messages comprise text messages.

9. The method of claim 1, wherein the first and second predetermined messages comprise e-mail messages.

10. An apparatus comprising:

a memory;

a display;

a processor coupled to the memory and programmed with computer-executable instructions for performing steps comprising;

(a) receiving data regarding a user performance for a first user;

(b) determining a first user'"'"'s user score based on the received first user'"'"'s user performance;

(c) receiving data regarding a user performance for a second user;

(d) determining a second user'"'"'s user score based on the received second user'"'"'s user performance;

(e) based on the received data for the first user'"'"'s user performance and the second user'"'"'s user performance, determining a group user score;

(f) transmitting the determined group user score to the first user and the second user;

(g) comparing the determined group user score to a first threshold;

(h) if the determined group user score exceeds the first threshold, transmitting a first predetermined message to the first and second user, the first predetermined message comprising information to assist the first user and the second user to improve the group user score; and

(i) if the determined group user score does not exceed the first threshold, transmitting a second predetermined message to the first and second user, the second predetermined message comprising information to assist the first user and the second user to improve the group user score;

wherein the determined group user score is selected from the group consisting of a determined group user financial position score, a determined group user energy usage score, and a determined group user weight loss score.

11. The apparatus of claim 10, wherein the processor is further programmed with computer-executable instructions for performing steps comprising:

(j) transmitting the determined first user'"'"'s user score, the determined second user'"'"'s user score, and the determined group user score to at least all members of the group.

12. The apparatus of claim 10, wherein the processor is further programmed with computer-executable instructions for performing steps comprising:

(j) receiving at least one communication from another group member regarding the determined group user score.

13. The apparatus of claim 12, wherein the processor is further programmed with computer-executable instructions for performing steps comprising:

(k) transmitting the received at least one communication to all members of the group.

14. The apparatus of claim 10, wherein the first predetermined message includes an indication that the determined group user score exceeds a predetermined goal.

15. The apparatus of claim 14, wherein the first predetermined message further includes an indication that a reward has been achieved based on the determined group user score exceeding a predetermined goal.

16. The apparatus of claim 10, wherein the second predetermined message includes an indication that the determined group user score falls short of a predetermined goal.

17. The apparatus of claim 10, wherein the first and second predetermined messages comprise text messages.

18. The apparatus of claim 10, wherein the first and second predetermined messages comprise e-mail messages.

19. The apparatus of claim 10, wherein the first predetermined message further includes an indication that a reward has been achieved based on the determined group user score exceeding a predetermined goal, wherein the first predetermined message is selected from the group consisting of a text message and an e-mail message.

20. A non-transitory computer readable medium storing instructions that, then executed by a processor, cause the processor to perform steps comprising:

(a) receiving data regarding a user performance for a first user;

(b) determining a first user'"'"'s user score based on the received first user'"'"'s user performance;

(c) receiving data regarding a user performance for a second user;

(d) determining a second user'"'"'s user score based on the received second user'"'"'s user performance;

(e) based on the received data for the first user'"'"'s user performance and the second user'"'"'s user performance, determining a group user score;

(f) transmitting the determined group user score to the first user and the second user;

(g) comparing the determined group user score to a first threshold;

(h) if the determined group user score exceeds the first threshold, transmitting a first predetermined message to the first and second user, the first predetermined message comprising information to assist the first user and the second user to improve the group user score; and

(i) if the determined group user score does not exceed the first threshold, transmitting a second predetermined message to the first and second user, the second predetermined message comprising information to assist the first user and the second user to improve the group user score;

wherein the determined group user score is selected from the group consisting of a determined group user financial position score, a determined group user energy usage score, and a determined group user weight loss score.