goal management and optimization systems and methods and participant outcomes

专利摘要:
abstract a goal optimization ecosystem is presented. contemplated systems include a database storing participant data representing aspects across the life of one or more participants. the system further includes a goal database storing one or more goal objects representing a participant's goals in life. as participant data flows through a goal engine, the goal engine tracks the progress toward objectives of the objective objects and can calculated a life score reflecting a balance or level of optimization between the goals. further, the goal engine can make recommendations on participant actions that can alter the likelihood that the objectives could be achieved individually and the value of the life score
公开号:BR112015029010A2
申请号:R112015029010
申请日:2014-05-22
公开日:2020-03-10
发明作者:Domaszewicz Alexander；Williams Gareth；Olliffe Gary；Murphy Gerard；Stein Katie；Gagnon Louis；A Viloria Mark；Espinosa Sam；Mohler Sherman
申请人:Mercer Us Inc；
IPC主号:

专利说明:

“TARGET MANAGEMENT AND OPTIMIZATION SYSTEMS AND METHODS AND PARTICIPANT RESULTS” [0001] This application claims priority from North American Provisional Patent Application No. 61 / 826,248, filed on May 22, 2013, North American Provisional Patent Application No. 61 / 826.248 and all other extrinsic references contained therein being incorporated by reference in their entirety.
Field of Invention [0002] The field of invention is the acquisition of data and analysis technologies.
Background [0003] The following description includes information that may be appropriate in understanding the present invention. It is not an admission that any information provided herein will be considered to be known by the state of the art for the presently claimed invention, or that any publication specifically or implicitly referenced will be considered to be known by the state of the art.
[0004] Many large corporate entities have access to large data sets, commonly referred to as "Big Data", while lacking an ability to leverage such big data. Lacking an ability to analyze such big data is specifically problematic in industries that store or house massive amounts of data related to the health or financial status of individuals. Analyzing said information may be beneficial to the corporate entity, its customers, employees or other interested parties. If appropriate technologies exist, personal goal management, community goal management, family management, legacy management, or other capabilities. In addition, if these technologies are viable, the entity may provide answer services (feedbacks), reconciliation services, optimization services, or other services to its customers, employees or other collaborators.
2/53 [0005] Others have made efforts to assist individuals with goal setting. For example, the published pre-grant of US Patent Application No. 2008/0109257 A1 by Albrecht et al, is aimed at an advisory tool using a model being well-developed holistic. However, Albrecht lacks discussion regarding the relationship between goals through different categories or channels of life.
[0006] North American patent application pre-granted publication No. 2012/0239416 A1 by Langva discusses a lifestyle management tool used to determine ideal work dates, estimated date of death, present net financial status of the value of user. While Langva discusses financial and non-financial aspects of the user's life, the discussion of non-financial aspects is limited to extended longevity and / or a possibility of retirement and only looking at non-financial aspects of a user's life in terms of time or financial expenses. Thus, Langva fails to consider a balance sheet for a user for whom financial metals or retirement are not just priorities.
[0007] The North American patent application pre-granted publication No. 2006/0184409 Al de Bangel et al, is directed to systems of methods of management goals. While Bangel discusses a goal balance, the balance is limited to comparing the number of goals in various categories and trying to equalize the number of goals. Additionally, Bangel lacks the discussion of an interaction or relationship between various goals across different areas of a user's life.
[0008] All publications here are incorporated by reference to the same extent as if each individual publication or patent application is specifically and individually indicated to be indicated by reference. Where a definition or use of a term in an embedded reference is inconsistent or contrary to the definition of that term provided here, the definition of the term provided here and the definition of that term in the reference is not applied.
3/53 [0009] In some configurations, the numbers expressing quantities of ingredients, properties such as concentration, reaction conditions and others, used to describe and claim certain configurations of the invention are to be understood as being modified in some instances by the term “approximately ”. Accordingly, in some configurations, the numerical parameters established in the written description and in the appended claims are approximations that may vary depending on the desired properties sought to be obtained by a particular configuration. In some configurations, the numerical parameters must be constructed in light of the number of significant digits reported and by the ordinary application of routing techniques. Notwithstanding that the numerical proportions and parameters established to broaden the scope of some configurations of the invention are approximations, the numerical values established in the specific examples being reported as precisely as practiced. The numerical values presented in some configurations of the invention may contain certain errors necessarily resulting of the standard deviation found in their respective test measurements.
[0010] As used in the present description, and through the claims that follow, the meaning of "one", "ones" "one", "ones", "o", "o '," a "," a' includes plural references unless the context clearly states otherwise. In addition, as used in this description, the meaning of “em” includes “em” and “no” unless the context states otherwise.
[0011] The recitation ranges of the present values are merely intended to serve as an abbreviated method of individual reference for each separate value falling within a range. Unless otherwise indicated here, each individual value is incorporated into the specification as if it were individually recited here. All methods described herein may be performed in any suitable order unless otherwise indicated here or clearly indicated in the context. The use of any and all examples, or
4/53 exemplary language (for example, “as” provided with respect to certain configurations is intended merely to better illuminate the invention and not pose a limitation on the scope of the invention unless otherwise claimed, No language in the specification should be constructed as indicating no unclaimed elements essential to the practice of invention.
[0012] Alternative groupings or elements or configurations of the invention disclosed herein are not to be construed as limitations. Each group member may be referred to and claimed individually or in any combination with other group members or other elements found here. One or more elements of a group may be included in, or deleted from, a group for reasons of convenience and / or patentability. When any such inclusion or deletion occurs, the specification is considered here to contain the group as modified and thus filling the written description of all Markush groups used in the appended claims.
[0013] Thus, there is still a need for systems of optimization of big data goals that are able to access the goals of short time and long time and being necessary through multiple areas of a person's life and surely incorporating the relationship and the effects of various areas of a person's life have on another.
Summary of the Invention [0014] The inventive subject provides, devices, systems and methods in which one can leverage large amounts of data related to the participants of the system to assist the participants in the optimization of their life goals. One aspect of the inventive subject includes a goal optimization system that includes a participant database, a goal database, a participant interface and a goal equipment. The participant database is preferably configured or programmed to store vast amounts of participant data across a wide spectrum of
5/53 participants. Examples of participant data may include biometric data, life choices, demographics, psychographs, team data or other types of participant data. The goal database can be configured to store one or more goal objects or other types of participant data. The goal database can be configured to store one or more goal objects representing one or more participant goals possibly including financial goals, family goals, legacy goals, corporate goals, or other types of goals. The goal engine will be able to create one or more goal objects based on participant input, participant data, goal definitions, etc.), received via the participant interface.
[0015] The equipment can generate a life score based on several goal objects, reflecting a balance between the various goals and the effects of interactions between the goal attributes of the goal objects.
[0016] In calculating the life score, the equipment can also compare the nature of the goal object to other known goal objects, with respect to several participants to generate a possibility that the participant can achieve the goals of the goal object. The equipment may also use life scoring, calculated possibilities and / or metal attributes of various goal objects to generate one or more goal recommendations that may include actions to be taken by one or more participants, where the recommendations seek to change the possibility in a desired direction if actions are taken.
[0017] Various objects, characteristics, aspects and advantages of the inventive material will become more apparent from the following detailed description of the preferred configurations of the invention, in relation to the attached drawings, presented in an exemplary character in which similar numerals represent similar components.
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Brief Description of the Drawings
- Figure 1 illustrates a schematic of a big data target optimization ecosystem;
- Figure 2 illustrates an exemplary process as performed by the system, of generating target objects, a life score, a recommendation based on life score and updating of target objects, life score and recommendations;
- Figure 3 provides an exemplary view of a goal object;
- Figure 4 provides a detailed view of the generation of a goal object for exemplary use illustrating retirement planning goal objects, including associated goal possibilities and recommendations;
- Figure 5 is an illustration of a life score and a set of goals presented to a user through the participant interface according to an alternative presentation;
- Figure 6 is an illustration of a life score and set of goals presented to a user via the participant interface according to an alternative presentation according to a second alternative presentation.
Detailed description [0018] Through the following discussion, numerous references will be made regarding servers, services, interfaces, equipment, modules, clients, peers, portals, platforms, or other systems formed from computing devices. It should be appreciated that the use of such terms is considered to represent one or more computing devices having at least one processor, (for example, ASIC, FPGA, DSP, x86, ARM, ColdFire, GPU, multi-core processors, etc. ) configured to execute software instructions stored on a readable, tangible computer, non-transitory medium (for example, hard disk, solid state disk, RAM, flash, ROM, etc.). For example, a server may include one or more computers operating a network (web) database server, or another type of
7/53 computer in a way to fill the described roles, responsibilities or functions. One should further appreciate the revealed computer-based algorithms, processes, methods, or other types of instruction sets that can be incorporated as a computer program comprising a non-transient, tangible computer readable medium storing the instructions that motivate a processor to execute the instructions. steps revealed. The various servers, systems, databases, or interfaces will be able to change data using standardized protocols or algorithms, possibly based on HTTP, HTTPS, AES, changes to public private keys, network services APIs, known financial transaction protocols, or other methods electronic information exchange. Data exchanges may be conducted over a packet-switched network, the Internet, LAN, WAN, VPN, or other type of packet-switched network.
[0019] The following discussion provides many exemplary configurations of the inventive object. Although each configuration represents a unique combination of the inventive elements, the inventive material will be considered to include all possible combinations of the revealed elements. Thus if one configuration comprises elements A, B and C, and a second configuration comprises elements B and D, then the inventive material will also be considered to include other remaining combinations of A, B, C or D, even if not explicitly disclosed.
[0020] As used herein, and unless the context indicates otherwise, the term “coupled to” is intended to include both direct couplings (in which two elements that are coupled together) and indirect coupling (in which at least one additional element is located between the two elements). Therefore, the terms: “coupled to” and “coupled with” are used synonymously. Within the context of an environmental chain, the terms “coupled with” and “coupled with” are also used euphemistically to mean “communicatively coupled with” where two or more
8/53 network enabled devices are able to exchange data over a network with each other, possibly through one or more intermediate devices.
[0021] The techniques revealed allow an entity to compile, analyze, or otherwise manage large sets of data in order to provide adequate services for stakeholders of the data, (for example, the entity itself, the entity's customers, customer employees, individual participants, etc.). The following discussion is presented within the context of a corporate entity that provides access to workplace data including talent data, health data, retirement data, investment data, benefit data, outsourcing data, M&A data, and other types of data. The term “entity” is used to represent an interested party that operates one or more computing services capable of compiling and analyzing data, and thus capable of providing analysis results to other interested parties, preferably for a quota. In addition, the term "participant" is used to represent an end user who can provide participant data to the system or consume system target optimization services. Typically, a participant includes an employee of a customer who purchases services from the entity. However, a participant may still include the customer, or another end user.
[0022] Through the use of revealed technologies, entities will be able to provide adequate targeted data and evidence based on participants' goals including goal management, goal opinions, goal reconciliation, goal optimization services, or other services that assist a participant in achieving a positive result or desired goal. For example, due to the assistance of even young participants (for example, newly hired employees entering the workforce), profiles and achievement of desired goals through complex areas such as legacy planning, retirement, corporate improvement, or other goals, the entity does not
9/53 will only enrich the lives of each of the engaged participants but of the society itself.
[0023] Thus, the systems and methods of the inventive material can serve to encompass the entire adult life expectancy of an individual, from the beginning of adulthood (for example, around 18 years of age, the beginning of school, etc.). ) to mortality.
[0024] Comprehensive experiences of leveraging the entity in the form of one or more known databases to establish the best archetype of the breed objective through “channels” (for example, financial, health, corporate, legacy planning, or others services). A participant may select, through one or more computer-based portals, one or more channels of appeal and sew the channel by fine tuning the channel's attributes to meet their specific needs. Thus, the individual will be able to optimize and select among these channels to maximize personal achievements (for example, goals, and important follow-ups for them) during their lifetime. Entities having access to big data participants are positioned to use the material revealed to aggregate customer data, benefit career data, claimed data, participant data, or other types of data in unique ways in order to show progress towards the goals of the participants, or to identify opportunities for the participant to pursue new goals.
[0025] As discussed here, entities will be able to acquire data from participants through a broad spectrum of demographics or psychographics, including obtaining data from personal area networks, (for example, instrumented shoes, cell phone telemetry, medical devices, etc. .) one or more entities grouped for the data for analysis and presenting the data for management by the participants as part of a goal optimization system infrastructure. In addition, the system infrastructure provides a service (for example, SaaS, laaS, PaaS, Goals as a Service
10/53 (Gaas), etc.) for intelligent agent technologies that provide information in a consumable fashion for or by participant. For example, intelligent agents may include those provided by the entity, third parties, application program interfaces (APIs), network services, or provided through other avenues.
[0026] It will be contemplated that the participant using the ecosystem will be able to access the ecosystem through the establishment of an account. It will also be contemplated that while employers may be given access to the participants' accounts or data included in them, the generation of the account and the goal preferably belongs to the participant. Thus, when a participant leaves an employer, previous goals associated with previous employers and previous benefit plans or packages may be incorporated seamlessly into the new goals associated with new employers, new benefit packages and other different ones involved in changing employment.
[0027] Figure 1 illustrates an ecosystem 100 where an entity offers a goal optimization service based on vast amounts of big data. In the example shown, an entity operates target equipment 101 enabled to leverage vast amounts of data relating to participants and their goals. The participant will be able to interface to the services via one or more participating interfaces 102. In the configurations, the participant will be able to access the goal equipment 101 to create one or more goal objects 105 based on their input 104. For example, the goal equipment 101 may build a browser-based network portal that allows the participant to select one or more goal models that they can popularize with the desired goal objectives. In addition, to or alternatively, the participant will be able to present participant data during the life activities of his personal area network through a cell phone operating as a participant interface.
11/53 [0028] The goal 101 equipment may be incorporated as a computer executing instructions stored in one or more readable non-transitory computing storage media (for example, hard drives, RAM, ROM, optical media, flash drives, etc.) which, when executed by one or more processors, motivate one or more processors to perform the described functions and processing the associated matter, In the configurations, the goal equipment 101 may comprise computing hardware (for example, one or more processors ) specially programmed (for example, via coded disk instructions) to carry out the processes and methods of the inventive material.
[0029] Participating interfaces 102 may include devices such as desktop computers, laptop computers, tablets, smartphones, smart hearing devices, sensors (for example, biometric temperature, image, audio, etc.), web portals, or client side applications accessible through one or more of these devices, and the devices may include input and output components that allow users to enter data into the system and receive output from the system (eg keyboard, mouse, touch screen, display screen, microphones , style inputs, audio outputs, etc.) [0030] The database of goals 108 and the basic data of participants 109 may be incorporated into one or more non-transitory computer-readable storage media, which can be accessed by the goal 101 equipment through data exchange protocols and techniques for sending and receiving data.
[0031] The participating interface 103 on the side of the goal 101 equipment can be considered to be the protocols, techniques, program instructions, enabling the participating interfaces 102 to exchange data and the goal 101 equipment for purposes of executing associated methods and processes. with the inventive matter. Data exchanges can be made through any data change network currently known or previously conceived.
12/53 [0032] Goal templates may include input fields that allow the user to enter data associated with a desired goal. Data provided by a user may include a goal or channel category, a target time period, etc. In the configurations, the goal models can be configured to require additional data based on the initial data provided. The requirements for additional data may be based on the selection of an option among several viable options (for example, via a drop-down menu or presentation of alternatives) based on particular words or phrases used by the participant when entering their data, based on the time period of the goal or priorities, etc. For example, if a user wants to create a goal in the “retirement” channel, selecting the “retirement” channel can then trigger the participant interface to retrieve entry requests for data associated with retirement goals (for example, current entry, retirement information benefit / retirement plan, etc.). Goal models and goal objects can be stored in the goal database 108.
[0033] When a participant initially interacts with the system, the participant interface can lead the participant to establish an initial set of goals in one or more channels. To keep the initial entry simple and manageable for the initiated participant, the system can lead the user to establish a limited amount of goals per channel and / or a limited amount of total goals. For example, the participant may be asked to provide information regarding the three goals in the “finance” channel.
[0034] Participant data flowing through metal equipment may be stored within participant 109's database. One should appreciate that participant data may include information spread across a large number of participants, possibly including millions of people. users through many different affiliations. In addition, participants' data may capture a wide range of data modalities reflecting the activities or lives of participants including data
13/53 biometric data, security data, life choices, or other types of data. In some configurations, the goal equipment will be able to sanitize the data for consumption by others, assuming its own authentication or authorization, to protect the participant's privacy.
[0035] The goal optimization system can be used by a participant to plan and balance his goals across multiple areas of his life.
[0036] Through the participant interface, the participant will be able to establish goals through various areas of his life. The system may, via the participant interface, present a set of predefined “life channels”, representing the categories or areas of life for which the participant may establish one or more goals. “Channels of life” may include categories such as retirement, property, health, family, career, philanthropy, legacy, laser, etc. Life channels can be grouped into the broadest categories, such as "financial channels" and "non-financial channels", representing financial and non-financial aspects of a person's life. Financial channels may be channels for which a financial condition or state is the goal or the primary motivator for a goal. For example, financial channels may typically include goals associated with retirement, legacy, career, and ownership. Likewise, non-financial channels can be considered to be those that represent goals or independent motivators that are not financial. Thus, for example, non-financial channels may include goals associated with family, philanthropy, health, and laser. It will be understood that some channels may extend through more than a broad category of channel as the goals associated with the channel having financial and non-financial aspects to them.
[0037] A financial target may have non-financial aspects and considerations and vice versa. For example, philanthropy may be considered non-financial because it involves goals associated with giving time to a particular cause. However, philanthropy may still take the form of financial resources, and thus have financial considerations or goals associated with them.
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Similarly, a laser target can be considered non-financial because the tracking of the target does not have a financial impact but for the fulfillment, enrichment, and / or fun that it brings to the participant's life. However, laser targets may have financial aspects as some laser targets require a certain amount of financial commitment or cost. Conversely, a financial goal may have non-financial factors. For example, a career goal might be considered financial in terms of a goal to have a certain income for a certain time in a participant's career. However, the career metal may still include non-financial aspects such as professional prestige associated with career status or in advance.
[0038] In the configurations, the participant's input data may include the provision of a series of questions whose possible answers are mapped to values of other responses of participants, so that for a given goal the goal equipment 101 can check a generalized point starting point for the purposes of life scoring calculations. For example, a series of questions may have a history of the participant's responses, and thus the responses being correlated to their eventual goal objects, including the goal object attribute. In a variation of the examples, the collection of historical responses can be statically grouped into ranges or possible answers to a given question, and the participant's response can then be correlated to the range that is best fixed for the answer, after which the starting point for life scoring calculations is provided (for example, starting metal attributes, values, etc.). In another variation of the example, questions may have multiple choice or other limited response possibilities, where responses from historical participants for each option are correlated to a statistical group of goal objects or goal attributes belonging to those historical participants who selected the option to multiple choice of answer.
15/53 [0039] After the initial installation, the goal equipment 101 can apply a nearby “game plan” to encourage the user to add goals across multiple channels. The game plan may be based on a standard model game plan that may have rules associated with the participant's readiness to add or modify their goals and when they are. The game plan approach can be presented to the participant during the initial installation so that the user can provide input when they want to be ready, how quickly to be able to add additional goals, etc., so that the learning curve associated with the participant's interactions with the system can be measured for the comfort level of each participating individual.
[0040] When a participant creates or modifies goals, such as via goal models or via another goal generation or modification technique, it will be contemplated that the participant may establish limits for the goals associated with prioritized goals within a channel or through all channels. For example, a range for a particular goal may be associated with a goal priority so that a particular goal never falls below a certain level of priority for the user. In another example, ranges may be acceptable ranges of variation within goal attributes before initiating an alert or other action (for example, disabling related goals or dependent goals).
[0041] In the settings, the system can support a modification of a goal attribute from one goal to another. For example, for a goal associated with stress reduction, the participant can exchange one value (for example free time), with another value (for example, working time) and see the effects of this changed value.
[0042] Figure 2 provides an overview of an execution of methods and processes associated with the inventive material.
[0043] In step 201, goal mechanism 101 receives information from participant 104 for one or more goals from the participant, as described here,
16/53 as well as through the goal models presented via participant interface 102, as well as gathered through other sources such as via biometric sensors, other electronic accounts (for example, in medical accounts, financial data accounts of the participants. In the settings, the participant you may be asked to approve data recovery from various sources. Also in step 201, the participant will be able to select the goals that they want to manage, such as by selecting specific goals, goal categories and / or goal channels. received may be considered to be a plurality of attributes of the participants, representative of various aspects of the participants' lives.
[0044] In step 202, the target mechanism 101 may instantiate one or more target objects 105 based on the attributes of the received participants. In the configurations, goal objects 105 can be instantiated based on goal models according to the selected goals, goal category, and / or goal channel. Instanced goal objects 105 can be incorporated as data objects having metal attributes corresponding to the characteristics of the goal represented by the corresponding goal object 105. Thus, the goal attributes may be particularly a goal object based on the goal category and / or goal channel.
[0045] Goal attributes, including goal entry types, goal data types, logical goal (for example, rules / algorithms), goal condition rules, and other goal attribute categories used to instantiate objects of goals 105 may be stored in a goal database 108, and retrieved according to the goal being instantiated (via goal or objective, the channel of the me / or category of the goal) based on the attributes of the participant.
[0046] Goals 105 objects reflect one or more goals related to the participant. Goal equipment 101 treats goal objects 105 as a persistent, enveloping object that can last for super extended periods of time (for example, weeks, years, decades, generations, etc.).
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Like participant data flows through the target mechanism 101, the target equipment 101 may maintain, update, modify or otherwise manage the target object 105. For example, a target object 105 may reflect saving for a fund of one school for greater participation of grandchildren who are yet to be born. When the participant saves money, the target equipment 101 can provide an indication of progress by establishing the viability of that college fund.
[0047] Figure 3 provides an illustrative example of a goal object 105 having attributes of goal 301. The attributes of goal 301 can be considered to be characteristics or parameters associated with the goal represented by goal object 105.
[0048] Examples of 301 goal attributes (some of which are illustrated in Fig. 3) may include a goal name, a goal channel (for example, the highest level of goal classification), a goal category ( for example, a sub-category of a goal), a duration of the goal (for example, time to complete the estimated or current fine metadata for goal), whether completed or not, and can be a null value for persistent goals without an end date goal conditions (for example, rules or conditions that dictate a goal complement based on inputs to a goal, and that allow tracking of a goal status in its completion, which can be considered to be the desired result of the metal ), goal logic (for example, rules, algorithms and / or processing instructions that are used by the 101 goal equipment to process a goal), goal status (for example, percentage of completion or other numerical progress indicator It may also include non-numerical indicators such as “in range”, “exceeding expectations”, “falling behind”, “at risk”, etc.), goal inputs (for example, identification of data inputs used in determining the progress of the participant towards the goal, including participant data, and other data sources), goal data (for example, data used to
18/53 measure and calculate goal progress and may include historical data accumulated all the time), goal priority (for example, a goal priority relative to other goals, an update of the goal (for example, when goal was last updated) ), a type of goal (for example, a life goal against a goal time), goal outputs (for example, the types of goals that are output by the goal and can be used as input for other goals).
[0049] The goal logic can be considered to be the rules, algorithms, and / or instruction processing used by the goal equipment 101 to use the input data for a goal and calculate the status of the goal, outputs of the goals, and other data associated with the progress of a goal. The goal logic of a goal will be associated with the purpose of the goal itself. In other words, the nature of the goal represented by the goal object will dictate the logic of the goal to be used.
[0050] For example, the goals associated with retirement planning, the goal logic may include algorithms evaluated in order to determine data entry, the goal logic being able to design a retirement plan goal and track its progress.
[0051] For a family goal, the goal logic for this goal may include algorithms, which can add time spent with the family, tracked locations visited together and activities carried out together. In addition, the goal logic for this goal may include deduction, by the equipment of goals 101 via interference rules, a level of satisfaction based on data gathered via social network, e-mails, to / from family members, survey responses, etc.
[0052] For personal goals, the logical goal may include algorithms that can aggregate an amount of time spent against the goal, and determine a quality of time spent based on the participant's response, social media, or email comment on the goal to friends , family, acquaintances, or
19/53 monitoring of biometric signals, and other indicators of a more relaxing, more pleasurable, and / or less stressed, for a next period of time spent with the personal goal. The algorithms may include, for example, interference rules for correlates and send messages through a keyboard, use of language. Style, etc., statistical analysis of biometric sensor data against historical data so that the participant determines a measured effect seeking personal goals.
[0053] In the settings, the attributes of the goal logic may include the logic (for example, algorithms, rules, etc.) properly so that the goal equipment 101 can incorporate the logical line of the goal object 105. In the settings, the attributes of the goal logic may include identifiers of the applicable algorithms, rules, etc., which may be stored in a logical database, so that the goal equipment 101 can retrieve the appropriate logic from the database for execution.
[0054] In the settings, the received participant data may be historical data for the participant as reported to the goal, and the goal logic, goal conditions, and other goal attributes adjusted based on an analysis of the participant's past behavior so that the goal logic associated with interpreting the input data and calculating the goal's progress can more safely reflect how the various attributes associated with the goal currently affect the participant. For example, historical data regarding the participant's training or exercise habits and performance gains can be used more accurately by modeling the current effects or exercises on the participant's health. Likewise, an analysis of the effects of work or stress on the participant's behavior, interaction with others, ability to function, energy level, biometric levels, etc., may allow the goal equipment 101 to adjust the goal logic and attributes of the goal. goal associated with the goal 105 goal of stress management by identifying factors of daily life that have historically caused more
20/53 stress, and also helped to alleviate the best. This analysis of the participant's historical data can be performed via statistical analysis of the data points associated with a desired goal (for example, cluster analysis, main component analysis, multi-variant analysis, and / or other statistical algorithms).
[0055] The priority of the goal may be a priority of the object of the goal 105 representative of the importance of the goal in the participant's life relative to other goals. The goal priority may be user-designated and user-modified, as discussed here, so that participants can re-harmonize the priority of their goal objects 10 to reflect changes in priorities in their lives. The goal priority may include one or more global priorities (for example, among all goal objects 105 for a participant), a priority channel (for example, among all goal objects within that channel), a time priority (for example , a priority adjusted according to the importance of a goal at a particular time and / or for a particular duration) and a chronological priority (for example, associated with the complement in addressing a particular goal first before another goal).
[0056] In an illustrative example, a goal object 105 associated with a retirement participant's financial goal may include:
[0057] A “Finance - Retirement” goal category indicating that the goal is within the financial channel and directed towards retirement.
[0058] A target duration of a retirement date as a future date.
[0059] A target condition of having a certain amount of retirement benefits accrued by the retirement date, The target condition may include an amount so that it is possible to have a certain amount or level of income or viable financial resources for a duration projected post-retirement life (for example, for a particular
21/53 number of years based on natural mortality tables or other estimates).
[0060] Goal entries may include input data associated with calculating a participant's retirement projection. This may include income and expenses in the participant's life, which may include data associated with the current income and expenses (for example, debts, recurring expenses) current benefit plans, and relative contributions, as well as projected income and expenses in the future due factors such as inflation, expected expenses projected for the participant, etc. The goal data for the goal object 105 in this example is data corresponding to the goal entries used for the goal object, which may include historical data as well as current data as received, so the goal data may include data associated with income and past expenses, an accumulated current contribution to benefits, etc.
[0061] The goal logic associated with the retirement goal object 105 may generally include the necessary rules and algorithms used to determine a projected retirement for a participant. For example, the goal logic may include the rules and algorithms used to project retirement benefits taking into account the retirement benefit plan, the participant's contributions to the plan, the expected retirement date, the desired post-retirement income - retirement, as through techniques incorporating projection tables, mortality tables.
[0062] In another example, a goal object 105 associated with the “family” channel may represent a desire to maintain and continue to cultivate a relationship with a spouse. Goal attributes associated with this include goal entries, and goal data associated with time spent together, locations visited together, etc. (e.g., gathered through check-in from social networking sitesP, quality of time spent together, etc. Goal entries may include important data, the spouse's corresponding goal objects,
22/53 or from social networking sites or other data sources associated with the spouse. The goal logic for this goal may include comparing the time spent and the number of “dates” together over a period of time with the statistics of time spent and dates for a sample size of couples, etc. and their relative states of their relationships as a function of time spent, dates and other quantifiable aspects of their relationship. In addition, the goal logic for this goal may include deduction, by the equipment of goals 101 via inference rules, a level of spouse satisfaction based on the data grouped via social network, emails to the spouse, etc. The conditions of the goals associated with this example, may include expectations of subjective meetings established by the participant, and / or by his / her spouse related to a state comparable to a population and / or a level of sustained satisfaction. [0063] In an additional example, a goal object 105 associated with a health channel may include goal entries and goal data from biometric sensors (eg, blood monitors, heart rate monitors, GPS monitors for track running, sleep monitors, stress monitors, etc.), caloric input data, participant weight data, body mass index data, respiratory data and other health-related data. The goal logic may include logic associated with determining a participant's condition based on the data received, including logic associated with a change in a physical condition. Appropriate logic may include algorithms and calculations used to determine health and medical status and conditions (for example, those recognized by regulatory authorities or organizations). Target conditions can include reaching a particular weight, reaching a certain level of cholesterol, being able to achieve exercise goals (for example, running 5 miles every day while keeping a heart rate within a desired limit, etc.).
[0064] In the configurations, the objects of the goals may represent future goals that the participant has not yet read to engage. These goals
23/53 may be considered "time consuming" or "dormant" goals that may correspond to a particular period of a participant's life, or may correspond to goals that a user is only able to pursue under certain conditions. Goal objects corresponding to dormant goals may be dormant until they become active. Dormant goals may thus include goal attributes associated with trigger conditions that motivate the goals to become active in the participant's goal management environment. Examples of the trigger attributes may include a time size from the creation of the goal, a date, a length of time, or date associated with a particular event, an occurrence of an event, a completion or failure of another goal, crossing a threshold value associated with an associated attribute, crossing a threshold value associated with one or more goal attributes of the dormant goal, and crossing a threshold value associated with one or more goal attributes of one or more other goals. In one example, dormant goals associated with a participating child may correspond to the child's future stages of life. In this example, a dormant goal to start selecting a minivan might be dormant having a three-month shot from the child's birth, until the child passes the so-called “diaper shock” to new parents and keep acting on the goal until the parents be able to get a little more sleep. In another example, a philanthropic charity donation goal may be contingent on a participant holding a balance in a bank account of more than $ 50,000. If the goal object is the philanthropy goal created at a time when the participant did not yet have $ 50,000, then the goal object remains dormant until the participant's account exceeds the $ 50,000 mark. Additionally, target objects that are active can be dormant if the threshold value is crossed back. Thus, in this example, if the participant's bank account balance falls below $ 50,000, the target will remain dormant until the amount exceeds $ 50,000 again.
24/53 [0065] Goal objects corresponding to dormant goals can be generated based on a goal creation request initiated by the user, an occurrence and / or can be generated by a goal equipment 101 based on other goals associated with the user. In the example of the newborn child above, the event of having a child can trigger the creation of standard dormant goals, typically associated with the child's life stages (for example, associated with college savings, goals associated with social child development, emotional and intellectual, etc.).
[0066] In the settings, the goal mechanism 101 can be configured to recognize "life events" in a participant's life that may affect the participant's activities to achieve the goals. Based on the event of life, the 101 goals mechanism can generate recommendations regarding priority adjustments and / or all goals. Life events thus act as a trigger to the goal mechanism 101 that a participant's life has been substantially altered or modified, and that a change in goals and / or priorities may be necessary to adjust. Life events can be events that directly involve or occur to the participant. Examples of “personal” life may include a change in marital status, a graduation, the birth of a child, a death in the family, beginning of unemployment, starting a job, moving employees, a medical emergency, a loss of property (for example, due to a natural disaster, theft, accident or other cause of loss, etc.). Life events may also include events that do not directly involve the participant but may nevertheless affect the participant's goals and priorities. For example, these “indirect” life events may include large fluctuations in the stock market (for example, affecting the participant's investments, affecting an industry in which the participant is an employee, etc.), changes in laws (for example, changes in tax laws that affect the participant's household budget, affecting retirement, etc.), large fluctuations in prices, from
25/53 products / services, events taking place in locations associated with the participant's goals (for example, an eruption conflict in a region that a participant wished to travel, the closure of an amusement park that had a motorized travel destination across the country with the family, a city being awarded international competition events during a planned visit), etc.
[0067] To recognize life events, the goal mechanism 101 may reference input data against a list of other knowledge indexes, life events applicable to the participants' goals. The data used to detect a life event can be received through the various data sources indicated here. For example, the participant may enter the life event with a child as input from participant 104 via participant interface 102. Other life events may be recognized via information received about the participant from other sources. For example, submitting a child's birth certificate to a government agency (with the participant's authorization to obtain said registration), updating employee benefits as an employer participant, tax return information, etc. In addition, the system may receive data from external sources such as new sources, market sources, and other services reporting and detecting news, market and other events reported as applicable life events using search techniques, correspondence techniques, interference techniques, and other recognition techniques.
[0068] Life events known to the target mechanism 101 may include a standard list of events that may be considered applicable regardless of the participant's goal objects, such as those that they may change the participant's goals or priorities in any way than the goals or participant priorities may be. For example, the birth of a child may be considered to be a significant event in the participant's life if it is not a goal set by the participant (and thus not
26/53 represented through a goal object 105). In addition, life events include life events specifically associated with one or more participants' goals and priorities. For example, these can be life events that yield a particular debatable goal.
[0069] Life events may be incorporated in the form of life event objects having associated life event attributes.
[0070] In the settings, 105 goal objects can be categorized as "life goal objects" or "time goal objects". Life goal objects can be considered “primary goals” that can represent long life goals (for example, having durations of the last years or decades) or persistent goals that do not have an end date. For example, a goal object can be considered a life goal object if the duration is greater than 5 years, 10 years, or more. Long-term life goals may include retirement goals, child school education fears, mortgage payment, reaching a certain level or structure in a career or within an organization, achieving a certain mastery of an activity, writing a book, etc. Persistent goals can be considered to be goals that require the maintenance of a particular state, status or level of goal satisfaction. Examples of persistent goals may include maintaining a certain level of relationship with a family member, maintaining a particular credit rating, maintaining a certain level of health or physical evaluation, current establishment with a topic of interest, etc. These types of persistent goals are never completely completed, but instead are directed towards maintaining a particular aspect of the participant's life at a desirable level or measurement of quality. Another type of long-term life goal objects may represent goals with a finalizing condition but without an established duration. These may be representative of life goals that a participant simply expects to follow before and during his lifetime. Examples may include a legacy goal for
27/53 leaving a certain amount of inheritance for a spouse or child, a goal to travel to a particular destination at least once in their lifetime, a personal goal to learn a new language, etc. In a variation, these goals may have an expected longevity duration as determined according to the participant's longevity tables and / or health data. In the configurations, a goal represented by a goal object can be considered a “life goal” based on a total priority for the participant regardless of the duration of the goal. For example, a set of goal objects 105 representative of the highest priority goals according to a complete priority (for example, the top 3 or 5 goals) could be considered life goal objects.
[0071] In contrast, for life goal objects, time goal objects may be considered to be short time or temporary metals, or subject to progress towards complementing other goals (eg life goals or goals) “higher order” time in hierarchy). For example, for a retirement goal object, the time goal objects may represent goals to contribute a particular amount to save retirement or benefits for each salary, month or year. In another example, a life goal to achieve and maintain a particular level of health or fitness may include time targets for exercise for a particular amount of time several days a week, running a certain number of miles in a week, etc. . In a further variation of this example, a time goal for general fitness goal may include a 10K run every two months, and a time sub-goal (which is a time goal and a lower hierarchy) of the goal of 10K time and may include a goal to run a number of days a week for a particular period of time leading to running and maintaining your own level of running and gymnastics.
[0072] Time goal objects may be generated based on life goal objects, such as life goal objectives, goal duration, status
28/53 current of the participant relative to the goal, as represented by the attributes of the life goal object and / or attribute data of the participant.
[0073] Objects of goals 105 may be correlated or linked via one or more of their corresponding attributes. The link may be via correlation rules or subroutines that govern the nature of the relationship between goal objects, and / or corresponding attributes of related goals of the respective objects. In an aspect of related goal objects, a goal attribute of a first goal object 105 can be an output attribute that can also serve as an input attribute to a second goal object 105. The correlation may include algorithms or rules of processing performed by the goals engine 101 so that the effect of the output attribute is correctly applied with an input attribute. In one example, goal equipment 101 can access link subroutines that can create links based on goal attributes associated with influential factors in a participant's life. The subroutines link can create correlations between goal attributes associated with one or more of "time", "money", "productivity", "happiness" and "energy". The goal attributes associated with each of these factors can be considered to be goal attributes that may or may be affected by these factors. The resulting link may be an input-output link (where a goal attribute is an output attribute providing an entry for another goal attribute on a different goal object 105) and / or a combination of the link, where the link goal attribute can contribute to a marked effect of each goal attribute on each respective goal object and, ultimately, on the assessment of life. The combination effect can be a constructive or a destructive effect. Matching factors can be considered to be metadata for a particular goal attribute that can describe which of the factors can be applied and how. For example, a goal attribute associated with “money” can be linked so that a complete picture of the participant’s financial status can be made based on all
29/53 the participant's goals. Thus, this may involve target attributes of financial goals (for example, investment amounts, rents, contribution levels, etc.), linked to the attributes of money-related goals of non-financial goals (for example, object of associated personal goal with the goal of practicing a particular hobby, a goal attribute that may include the cost of practicing the hobby.). Mortality or other benefits related to goal attributes that may vary with a participant's health status may be associated with the “health” factor, so that they will be linked to health-related goal output factors (for example, so that improvements in health status may be reflected in estimated costs for benefits, insurance coverage, etc.).
[0074] In an illustrative example, consider a goal object 105 associated with a participant's goal for retirement at a certain age (ie “retirement object”). As part of the retirement object, a target attribute includes a mortality assumption and an amount of contribution that the participant has to pay in the retirement plan. Ordinarily, contribution and benefit levels are based on updated tables for a population of elderly participants. In addition, given that these tables are for a population, the tables and the values in them are static. Thus, in the traditional actuarial practice, the participant's mortality is not taken into account the participant's current state (for example, his health, aptitude level, etc.). In this example, however, a goal object 105 associated with a goal to get in shape (that is, a “gymnastic object”) has an output attribute of a current level of fitness of the participant. A link may exist between the mortality assumption of the retirement object and the current fitness level of the gymnastics object, including algorithms that can be correlated with a fitness level to an estimated increase in the useful life. The algorithms may be based on medical estimates, studies and general practices shown to establish correlations between a level of health and a life.
30/53 useful extended. In the settings, the algorithms may simply aggregate estimated reductions in various risks to extend life as suggested by medical studies (for example, studies showing that a person being X% overweight is at Y% risk of heart disease, etc.) , or other correlations. Having established the correlation, the retirement object will be able to recalculate one or more goal attributes associated with the goal object. For example, an increase in the exit of the health / fitness level by the fitness object that corresponds to an extended useful life (and thus, a change in the mortality assumptions for the participant), which may result in an adjustment in the necessary contributions to maintain the date retirement, a reduction in a retirement date (ie an early retirement), a better amount of the retirement benefit, etc.
[0075] A detailed example of a method for performing the fluid in the mortality table calculations according to the configurations of the inventive material can be found below.
[0076] In the settings, the target equipment 101 may derive a state from the participant to the target before instantiating the target object 105 to the target. The participant's state may comprise the participant's attributes and other data used in instantiating the goal 105 object before any normalization, transformation, standardization or other processing in preparation for use in instantiating the goal 105 object. The participant's state may give an instantaneous natural state of the participant's current state before applying his current data status towards the analysis of his goals.
[0077] In step 203, the target equipment 101 may generate an assessment of life 106 for the participant based on the instantiation of the objects of goal 105. The assessment of the participant's life may be considered to be an assessment reflecting a degree of balance or optimization of a current state of the person relative to his goals. In the configurations, the life evaluation can be
31/53 associated with a possibility of complementing one or more of the goals represented by the objects of goals 105. In the configurations, the assessment of life may be associated with a possibility of complementing one or more of the goals represented by the objects of goals 105. The life assessment can be generated as a single assessment or value that can be presented to the participant.
[0078] In the configurations, the evaluation of life can be generated based on a plurality of objects and goals associated with the participant and the progress of the participant towards these goals, so that the evaluation of life represents a measurement of a balance of efforts of the participant in meeting these goals.
[0079] In the configurations, the life evaluation can be generated as a function of a possibility of the calculated success of each goal based on a comparison of the attributes of a participant's goal with those of other participants. Many factors may hinder the determination of a possibility of success in relation to an object of the individual goal 105. In one example, a participant's heart rate may influence the possibility of that success in school since it indicates that the expectation of the participant's life has increased, and that will give an elevation to generate more working life and additional money savings. Thus, the participant's data may have a direct impact on objectives (for example, saving money) or an indirect impact on objects (for example, derivative or related relationship). In addition, external factors in addition to the participant's data may influence the possibility of success. In the case of long-range objectives (for example years, decades, generations, etc.,), factors such as the expected inflation rate or social unrest may impact a possibility of success in view of those factors that may change how the future value of the money saved or how your grandson will be able to access that money in the future.
32/53 [0080] The possibility can be determined through several techniques. In some configurations, the goal equipment compares the success of other participants by trying similar attributes or characteristics so that the target participant with respect to the succession of similar goals. In view of the fact that databases can store thousands, millions, or more points of information, the possibility can be derived based on historical statistics possibly influenced based on external factors as mentioned above. All possible calculations of possibilities are contemplated.
[0081] In the configurations, the life evaluation can be an average of the calculated possibilities of the objects of the goals. In other configurations, the evaluation of life may be an aggregation of the calculated possibilities.
[0082] In generating a life assessment, the relative contributions of each life assessment goal object may be weighed according to the priority of each goal object. Thus, the possibilities associated with high priority goals influence the assessment of life to a greater degree than lower priority for goals having lower weights.
[0083] In the configurations, the goal equipment 101 may generate a plurality of recommendations for a life assessment having a systematic or interactive approach as emphasized in certain goal objects 105 through a modification of the weight of the goal objects and / or attributes of the goals. goals. Having the various permutations, the target equipment 101 will then be able to select the recommendation that optimizes the balance between the participant's goals and thus, maximizing the assessment of life. This approach can also be taken by applying hypothetical changes to a participant status (for example, by implementing changes in status that can be aligned with possible recommendations or outside of possible recommendations) and then update a life assessment to generate a hypothetical life assessment. This may enable a user to view
33/53 real time expected results of taking certain actions according to certain goals.
[0084] Figure 4 provides an illustrative example of a calculation of a possibility of success for a retirement goal object.
[0085] In the example in figure 4, the status of participant 404 associated with the retirement goal is determined based on input data from participant 401 (such as the data provided by the participant, directly or through accessing his relevant accounts) , assumption of 402 best practices, (for example, market data, and assumptions directed to the market that may be updated in real time) and pre-populous information 403. Pre-populous information 403 may be the mean of data (as through other similar participants or segments of a population) to compensate for the loss of input data from participant 401. In the settings, it will be preferable to keep the required input data from the participant so that the goal management startup process is intuitive and easy to use . In these configurations, pre-populated information 403 may be used in place of participant data that is not required. This data can be requested at a later time by the goal equipment 101, or can be edited by the participant when desired.
[0086] Having generated the status of participant 404, the object of goal 405 can be instantiated to the retirement plan based on the data of the state of the participant and associated calculations such as the retirement goal plan. In the illustrative example, it will be contemplated that the calculations may be based on stochastic simulations involving a large number of scenarios (that is, 500 or more). Further details on these calculations will be provided below.
[0087] The possibility of goal 406 is then calculated as a function of the goal object 405 by comparing the attributes of a goal object 405 with attributes of the goal object of other members. The comparison can be
34/53 carried out through statistical algorithms (for example, grouping closest to the neighbor, square means, etc.) that can give the participant's relative standard regarding a reference relationship.
[0088] The possibility of goal 406 may preferably then be incorporated into the generation of a life assessment for the participant based on the goal object 405 and the goal possibilities of other goal objects.
[0089] As updated / refined data 407 will be received, the goal equipment 101 will be able to update the appropriate goal attributes of the goal 405 object and recalculate the possibility of goal 406 (and, consequently, assessment of the participant's life).
[0090] Figures 5-6 provide illustrative examples of a user-facing portal presented via participant interface 104 providing an assessment of participant 106's life. Figures 5-6 also show alternative views 501-601 showing a participant's goals represented by the objects of the goals 105. In the example in Figure 5, the goals are visualized according to the harmonized boxes according to their priority attributes. In the example in Figure 5, the participant's highest priority goal will be to “discover dinosaur species” and the rest of the goals moving downwards represent a descending priority. In addition, as shown in the example in Figure 5 are links between goals illustrated by arrows. As shown in Figure 5, the goal of “discovering dinosaur species” is linked to a philanthropic goal of “volunteering in a museum”. The link between these goals may represent that progress towards “discovering dinosaur species” (for example, attributes associated with research on possible excavation sites while maintaining technical excavation chains to maximize success, etc.) may also benefit the goal of volunteering in a museum vis-à-vis the participant has more knowledge about these topics and, with the time spent on volunteering has more value and is more significant for the philanthropic goal. Thus, the contributions of both linked life assessment goals will be
35/53 equally accentuated the “weight loss” goal is shown as linked to the “retirement at 65” goal and the “legacy” goal that progresses towards the “weight loss” goal also works towards the “retirement at 65” goal ”(As illustrated in the example above) and the“ legacy ”goal. The example in Figure 5 shows the goals ranked at the top across all channels. These goals may show the channel with which they are associated (as shown in the “pyilanthropic volunteer at museum” goal) or the lack of these marks (as shown in other goals).
[0091] Figure 6 shows a variation of the 601 presentation of the goals. In Figure 6, the goals are presented according to their respective channels. Here, more goals are shown than in figure 5 as the goals and ranking can be presented as a list and can be specified as a channel. In addition, the use of textual listings in this case allows more information to be fixed in a presentation in a straight direction (but less of visual appeal). As shown in figure 6, a goal may include more information than in Figure 5. For example, the health-related goal is simply “weight loss” in Figure 5, but is presented as “lose 10 pounds in the summer” in Figure 6. In addition, a time target associated with "weight loss" is shown. Time targets can be shown as subcategories of “life” goals.
[0092] The examples in Figures 5 and 6 correspond to the same instance of goal generation for the participant, showing the same information in different ways. The presentation may be through an application or web portal and may allow for customization including the addition of more information to display or remove information by altering alternative means of presentation, aiming at previously completed and / or failed goals, and other customization options. For example, recommendations generated, relevant offers for services, and other useful information may be presented through the participant interface 104. The priority of the goals may be
36/53 adjusted by the user in the interface examples of Figures 5 and 6. In visual displays as in Figure 5 the user can grab a goal like an interface pointer 104, for example, a mouse on a computer with a finger pressed with a touch screen interface and drag it up or down in relation to other goals. The reorganized order of the goals will correspond to the visual order defined for the user from the top to the bottom of the display. Based on the reorganization, the priority attributes of each goal attribute can be adjusted accordingly. For the example of figure 6, the reorganization can be done by the same clamping of a list entry as in figure 5 and reorganized within the channel. Alternatively, the number can be highlighted and edited by a user so that the order is reorganized according to the order provided by the user.
[0093] For each of the goals, additional information can be presented including a progress report for each of the goals according to the attributes of the goal status for each goal.
[0094] In the settings, the participant can establish rules through the participant interface 104 that configure alerts, which can be sent from their mobile devices or other computing devices when certain goals (for example, health or financial) are placed in addition to a acceptable threshold value or have been achieved. Other configured alerts can be sent by “trainers” (for example, specialists in particular fields, designated helpers, etc.), as desired.
[0095] The target equipment 101 can be configured to generate one or more recommendations 107 in step 204 based on the generated life assessment and, optionally, the target objects of participant 105 (and / or their respective possible targets) that contribute to the assessment of life.
[0096] Recommendation 107 may include a suggested action for the participant to take. The recommendation may be a specific channel, or it may be a recommendation intended to affect goals across multiple channels.
37/53
Examples of the types of recommendations may be to allocate financial resources differently (ie, adjusting expenses, contributions, etc.), to take action beneficial to the participant's emotional and / or physical, mental health (eg exercise to improve physical health, indulging in a hobby to relieve stress, etc.), to take action to improve a personal relationship, etc. The action in the recommendation may preferably be an action that results in a modification of one or more attributes of a goal's goals (and thus, assisting progress towards complete success).
[0097] In the configurations, recommendation 107 may include a recommendation for a particular product or service applicable to one or more goals of the participant. For example, the recommendation could Sr a benefit plan of an employer selected from various options and plans according to life goal, and attributes associated with objects of goal 105. Given the recommendation 107 it may reflect a cross channel decision making by consideration goals across multiple areas of the participant's life, the recommended product or service may be targeted at goals in the channels where they are most beneficial. Where a purely financial decision focusing on the recommendation of each extra dollar that a participant has saved directly for retirement, the cross-channel approach to inventive material recognizes the person's goals that can be multi-faceted, allowing for a recommendation that has an extra dollar for social welfare, filling and improvement, as well as for a healthy product for the participant.
[0098] In the configurations, recommendation 107 may be an action that is directed to promote the goal having the highest priority. In the settings, the recommendation may be an action that is directed to promote the goal that is closest to complete success.
[0099] In the configurations, recommendation 107 may be based on a common aspect or goal attribute among the affected objects or improvement in need.
38/53 [00100] In the configurations, recommendation 107 can be generated as a function of assessing life or more attributes of one or more goal objects. In these configurations, the recommendation can be generated based on the attributes of the same type through the goal objects, so that the action associated with the recommendation affects the largest number of goal objects. Thus, for a participant having a large number of goal objects whose goals are affected with attributes reflecting the participant's stress level (for example, goals associated with a career, associated with family relationships, sleep-related health, etc.), the recommendation generated may be one that results in stress reduction.
[00101] In a variation of these configurations, recommendation 107 can be generated as a function linked to the goal attributes of various goal objects 105, so that the effect of the recommendation results in a “snowball” effect will fall from the attributes connected. Using the example above by which a health goal may affect a retirement goal by changing contributions due to a replacement in mortality, an additional effect may be that the reduced contributions required free of financial resources may be added to charity or other philanthropic goals . Thus, a suggestion to take action to improve public health has a ripple effect through a financial goal associated with retirement, which in turn also adds a philanthropic goal.
[00102] In the configurations, recommendation 107 can be generated based on the life assessment and corresponding to the goal possibilities of each goal object 105. Since the objects of goals 107 can be weighed according to a priority, each object of goal 105 will contribute to the calculation of life assessment differently. Thus, for a heavily weighted target object, a small variation in the target's possibility (used as part of a life assessment calculation) may have a greater impact on the life assessment than a greater variation in a target's potential.
39/53 goal object with a lower priority. To generate the recommendation, the target equipment 101 will first be able to determine the variations of the target possibilities with respect to a reference population of other participants having comparable target objects (corresponding to each of the participants' target objects 105). The goals 101 equipment will then be able to calculate a normalized goal possibility for each goal object 105 as a function of the variation of each possibility and weighting associated with the goal object due to the relative priority to the goal. The possibilities of normalized targets for each target thus represent a variation of a reference population of other target objects of the participants when adjusted to prioritize the participants. The target equipment 101 will then be able to generate a target recommendation of the target objects 101 having standardized possibilities most susceptible to improvement (thus giving the best improvement in the assessment of life).
[00103] In the settings, recommendation 107 may be provided to the participant so that the participant has to manually implement the recommendation (for example, adjustment in the amount of contribution to a benefit plan, an amount directed to a legacy savings goal, scheduling a meeting with a friend or family member, promoting a personal goal, doing gymnastics, or scheduling reminders on a calendar to run every morning). Alternatively, the target equipment 101 may provide recommendation 107 so that it asks the participant to approve the implement, but upon approval, the target equipment 101 can implement the recommendations automatically (for example, in approval, adjustment of the plan's contribution) benefit of a particular percentage, etc.). In another configuration, the participant may elect to have the recommendation implemented automatically, with a notification to a user (but without requiring approval) or without a notification to the user. Thus, the recommendation for exercise to have a better state of health and
40/53 losing weight may be presented to the user, but the scheduling of a trainer specialized in the type of exercise the user needs, for a particular periodicity, etc., can be automatically established by the equipment.
[00104] In the example in Fig. 4, a recommendation 408 is shown as being generated based on the possibility of goal 406, but as described here, it can be generated based on a combination of possibility of goal 406, and other possibilities of goal targets. other goal objects associated with the participant.
[00105] The equipment of goals 101 may use the possibility to derive recommendations in the additional course of actions that may increase, accentuate, or on the contrary alert the possibility of success. For example, back to the example of establishing a legacy fund for grandchildren, the equipment may recommend moving around every day, because this may extend life expectancy, which increases the participant's potential learning. Such recommendations may preferably be weighed by the share accountant (for example, no movement) in the face of movement every day may increase the risk of being involved in an accident on the street. Once one or more recommendations are presented to the target participant via its interface.
[00106] In step 205, the goal equipment 101 may receive an updated participant through all data entry sources as initial data of the participants. For example, financial goals, updated data may include information from the participant's updated accounts! updated market values, updated actuarial table values, etc. In another example, for health goals, the updated data may include updated sensory data associated with periods of activity or exercise including the duration of the biorhythmic sensor data. The updated participant may be reflective of a participant following (or not following) a recommendation provided in step 204, and what is the grade.
41/53 [00107] In step 206, goal equipment 101 may update the objects of goal 105 as appropriate based on updated participant data, which may include attributes of updated goals associated with a current state of the participant, a priority status of the goal among others, and consequently updating the life assessment in step 209 based on updating the objects of the goal 105.
[00108] Updates to the goal object in step 206 may include a deactivation of the goal object 105, so that due to the completion of the goal, the failure to complete a goal, or to start an inactive goal as described above. In response to this, the goal object may take a participant to and receive a response in step 207 on the goal now that the goal is no longer active. This may include questions aimed at accessing the target object's accuracy relative to the target the applicant sought to achieve. For example, a completed personal goal object associated with involvement with a new hobby for a particular duration of time may include questions associated with whether the hobby was one that the participant expected in terms of personal fulfillment, fun, or other purpose that it directs the participant to establish the hobby as a goal first. In other examples, the response may be collected by observing the effect of completed goals (such as time targets) on other goals (such as the further progress toward the life goal associated with the time goal after the time goal is completed). over time, the response collected from the user can be used by the target equipment 101 to, in step 208, calibrate target objects and target attributes as prioritization of weighting, generating time targets, “building” progressive and sequential targets associated with multiple channels, the generation of future recommendations for particular targets, metal categories, target channels or associated with target attributes and adjustments for life assessment calculations to consider a participant's subjective view of life relative to a reference population
42/53 “generalized” of the evaluation system. The updates from step 208 can also be used in combination with the updates to the objects of goals 206 to update the life rating in step 209.
[00109] In step 210, the target equipment 101 may generate new recommendations (or regenerate relevant remaining recommendations) for presentation to the user.
[00110] The following is an illustrative example of a use case in which you can implement the generation of life assessment and subsequent generation of a recommendation based on the objects of the goal and life assessment according to one or more techniques described here.
[00111] The use of the case considers a user who has a plurality of goals. Among the plurality of goals is a career goal associated with a career advancement, a time goal for the current year associated with a goal condition of a production goal for this job, as a sub-goal of the career goal and where the completion of the time goal directly enters into a determination of the possibility of career advancement. The condition of the goal of the time goal is a production goal that can be based on the attributes of a user's productivity goal based on the current time the user spends doing the work and also a goal attribute associated with the user's efficiency ( for example, based on a pre-populated efficiency level based on a reference population of similar employees at this level). In addition, the time goal logic associated with a degradation of efficiency based on a fatigue attribute and a stress attribute. The fatigue attribute may be based on readings associated with sleep quality (from the participant's sleep record as well as sleep sensors measuring the sleep biorhythm), an attribute of the current health level (for example, an associated energy level with a health level) as determined by exercise pattern data and biometric sensors providing biometric data associated with cardiovascular readings, blood pressure
43/53 blood, etc. The health attribute in turn can be linked to the outputs of a weight reduction health goal. In this example, the goal equipment 101 will be able to analyze a plurality of possible recommendations to ensure that the time goal has been met. One possibility to increase the number of time the user spends working, the current time spent on work directly leads to increased productivity at work. However, when working time increases, efficiency decreases, as do productivity gains. In addition, this neglects other issues contributing to health, sleep, stress reduction, etc., which further accelerate the degradation in efficiency. In an alternative, the goal mechanism 101 may currently consider reducing the amount of time but increasing the goals associated with getting in shape. Thus, instead of 9 hours of work per day, the participant spends 8 hours at work and one hour exercising. Initially, the reduction in time will result in a reduction in production but over time the energy, stress relief and mental clarity provided by regular exercise provides gains in efficiency so that the participant is more productive in a reduced period of time. In addition, other goals associated with health goals may receive additional benefits.
[00112] The following are additional details with respect to the calculations used in the example in Fig. 4. In the calculation, values of all assets and all expenses / costs are calculated for each current age, for a selected retirement age. These are then compared and if the assets fall below the level required to achieve costs for a particular scenario, then it will be considered a “failure” for the scenario. This process is repeated for each of the 500 scenarios and the result is the likelihood that the participant will have enough money to meet their retirement needs over these 500 scenarios. Each scenario may have differences in several key markets assuming a category. Examples of key market assumption categories may include “inflation”, “five-year income from the treasury”, “income from
44/53 years of the treasury ”,“ 30-year debenture yield ”,“ EQ: Equity: World c-US ”,“ Fl: Aggregation link ”,“ Fl: Gov / Corp. Aggregation ”,“ FLLongo Gov / Corp. Aggregation ”,“ Fl: TIP: money ”,“ EQ: US Yield Large cap. ”,“ EQ: Yield - Small cap. ”,“ EQ: Yield - Cap value. Medium ”, and“ Company shares ”.
[00113] In addition to the configurations and examples presented elsewhere, the following examples represent various configurations and use cases of the inventive material. However, the reader should appreciate that the examples do not limit the inventive scope of the subject in question.
[00114] In a configuration, the goal optimization system can be configured so that the objects of the goals, the determination of a life assessment and the creation of the recommendation are centered around the constraints of viable money ($) or time viable (T). While other attributes and constraints can be used as a part of instantiating goal objects, it will be used in goal tracking and be used as part of generating recommendations, constraints ($), constraints (T) or both will be determined factors with respect to an assessment of the goal, progress on the goal, continued activity on a goal, achievement of a goal, and a recommendation. Thus, the recommended actions of a goal with a viability of money, time or both, as factors governing factors that trump others.
[00115] In the configurations, the system and goal optimization may include published APIs that people associated with the participant can subscribe for the purposes of providing limit data in support of one or more goals. For example, a museum for which a participating volunteer can subscribe to the API, and plot hours that the participant spends doing volunteer work. The personal use of the museum using the API may use a symbol to apply the hours to a specific goal. In the configurations, the participants will be able to describe via API, how the data provided by the museum are in the
45/53 postponement of the participant's goals. The description can be in terms of a time of benefit to the participant based on the goal.
[00116] In one example, data fed from the third party "smart clothes" that the participant wears in the infrastructure of the entity's target optimization system, indicating the number of miles moved (GPS) and the increase in the heart rate. This information can be used in a number of ways, including:
The. Validation of the fulfillment of health goals, in order to receive a combined discount that is being maintained and a secured account. Such information may be presented in a metaphorical door. Examples of metaphorical portals that can be adequately adapted for use with the inventive material include where the benefits are presented within a virtual metaphor like a city. The virtualized family or metaphorical portal is expected to show some weeds on the streets, meaning several family members are behind some monthly health goals. When family members take a walk at night, when they return to devices wearing GPS they have already communicated to the portal via the goal optimization system, and the weeds turned to the flowers.
B. An example of a high-level goal could include establishing a set of practices that can help reduce the risk of diabetes, with a desired weight loss of 5% in the next 12 months. The details of the set of practices are unique to the individual but within certain guidelines of walking, cycling, walking, efforts in the weight room, etc. The 5% weight reduction will be a desired result, but running the set of practices again is the real follow-up to be rewarded.
46/53
ç. The participant will be able to other third parties to see this information anonymously in order to allow them to “provide” various health-related services. The participant will then be able at some point to allow some of the third parties to come into current contact.
[00117] A family goal of sending your child to a certain caliber of the school can be documented in the infrastructure of the goal optimization system. This may direct several events like the following:
The. Recommendations of the infrastructure of the target optimization system algorithms or other third party financial companies with respect to the college's savings target and current funding.
B. Colleges, under parental control and supervision will have the ability to complete for the best students ahead of time, and to give guidance on how the student can best maximize his chances of entering that college.
ç. The participant will be able to allow a broader set of colleges to be “sanitized” (and initially anonymous) details of their children's grades and early interest in high school, so that the college can suggest several potential scholarships or describe differentials that the college will be able to provide the student. The response of colleagues interested in working with the family can be seen as the mascot colleague politely waiting within the virtualized metaphorical instance of the family, waiting to be engaged.
[00118] The infrastructure of the optimization system may include applications on mobile devices, which will be able to detect (via GPS) when an individual has left the medical supply facilities, and send an inquiry to question whether the interaction with the provider was satisfactory . A very answer
47/53 negative to the poll may trigger an immediate follow-up of a representative of the entity.
[00119] The infrastructure of the optimization system may schedule a brief satisfaction survey to be sent from the individual's mobile device, to correspond when a proposal for a medical treatment can be effectively proven. A strongly negative response to the poll may trigger immediate follow-up by a representative of the entity.
[00120] The participant may decide to allow details derived from the data of the used sensor, possibly obtained by the network of the participant's personal area, in the medicine and consumed food to be shared with a health provider or trainer, but the optimization system algorithms of goal may reinforce the individual preference that the carrier and employer are simply to be notified that the user is proactively maintaining medications and being found the caloric intake prescribed by the health provider.
[00121] In the event that a goal is asleep, an intelligent agent of the goal optimization system may transmit alerts well in advance to have a chance to rectify the slippage before there is an obligation to report a failed goal that may have been tied to an incentive.
[00122] Among the various "channels", the participant may be allowed to third parties to promote various services or institutional needs that the individual will be able to help satisfactorily as part of his social goals. An intelligent agent in the goal optimization system may also appear to be a potential match for the individual to approve, or perhaps the individual has already granted the entity the ability to make some matches automatically. An example could be an individual who has already sought to support scientific research in the field of paleontology. The algorithms of the goal optimization system can detect a combination and an appearance of
48/53 an avatar of a new species of constant dinosaur or in the vicinity of the metaphorical representation with a collection of tin in his hands. The individual may choose to place a fixed amount or a percentage in the tin collection, or to ignore the avatar until it disappears from representation.
[00123] As a part of the comments / remuneration cycle between the participant, his goals and the aware for which the participant works, as certain corporate goals (such as donation for scientific research) being followed, the individual may receive positive comments when this is communicated to your company, Even if no remuneration is received, the recognition can be your own award.
[00124] The entity will be in a position to group and manage information through participants that include goals, claiming health, immediate comments on services provided by suppliers, and perceived success in prescribed procedures and medications. This information can be “sanitized” and make it possible for carriers and pharmaceutical companies to help improve products and services provided. As an example, customers will be able to negotiate payment structures with incentives / fines tied to satisfactory surveys regarding suppliers in the carrier network. As another more sophisticated example, pharmaceutical companies may use the comments along with comprehensive data on the devices used to identify issues with drugs prescribed to certain types of individuals, or to identify issues with interactions with certain types of foods.
[00125] Yet another example, includes the generation of trans-generational health. While many employees in Europe may be frustrated because the company no longer insures their financial well-being until death (defined benefit, ie “DB”), they are aiming at a critical factor over defined contribution (“DC”) which is that money being true of the participants ”. If participants plan wisely, this provides the participant with an opportunity to create a better quality of life for their
49/53 descendants. Regarding this, it is a service offering that provides the establishment of initial DC retirement plans for a participating child. For a very modest contribution that the participant can give his children a long-standing advantage when a nominal amount of money begins to compose. Imagine that each child in the family has its own bank within the metaphorical benefit representation with multiple accounts, including for their retirement. An example of an “best practice” archetype model could take into account the participant's current finances and recommend an initial establishment with only $ 1 transferred per month. Each year for the next 10 years, an increasing percentage of the participant's elevation will be directed to this account.
[00126] The inventive material may also include a client group “Gamification” to improve the work / life balance of the employee. Or, the rollup of department data updates to identify acidic management within a client organization. Said information, possibly including dormant data, results when reported by a used device, and can be compiled and compared against standards or performance.
The. Two departments within the same company have a number of employees who have volunteered to be their skills to have a captured night's sleep in exchange for a slight discount on their insurance (just for volunteering) over a discount on the device. Employee data is accumulated and managers have a general (not individual data) instantly how relaxed their employees are. This leads to “gamigication at the group level” where a company encourages its employees to pursue good habits with managers acting as general cheerleaders (again no individual data).
50/53
B. From the company's perspective, analytical that a person in a department sleeps more than the industry average for that type of department (again the entity having a broader perspective through customers) providing a tool to look for acidic management.
ç. An entity having or providing analytics for an individual's ability to sleep, being able to link to medical records and results of procedures and medications given by suppliers. Among these powerful results we will be able to trade data (again Pll removed) back to medical companies on the effects of their medications from people with good / bad sleep habits, and can also report whether their medications had a detrimental effect on sleep after being prescribed .
[00127] The optimization system infrastructure will be able to report back to the participant how their sleep activity data has influenced different research studies, when corresponding with medicines that the participant is using. This may further assist a participant's interest in the goals of promoting science (perhaps a philanthropic life goal). It should be appreciated that the infrastructure of the goal optimization system helps to facilitate the understanding of how goals are fulfilled without the participant losing their privacy.
[00128] Health goals can be linked in the business tools. For example, scheduling and calendar tools like Microsoft Outlook can provide the goal equipment 101 with the table next to the participant, analyzing upcoming meetings associated with a participant (for example, example, duration of the meeting, relative location to which the participant is expected to be or being typically positioned before the meeting) and corresponding this information to the person's fitness goals. THE
51/53 goals equipment 101 can be configured to consequently, or via Outlook or another suggestion of delivery avenue, suggest that the participant who is placed go to “walking meeting” after asking if this is a “voice only” meeting O Outlook can be configured to intentionally suggest for meeting rooms in distant locations, or other floors.
The goal optimization system can support team or compound goals. Certain goals may be too big for a participant. However, multiple participants can come together in a common effort. A simple example could be a “let's walk together” where a customer donates money to charity for miles traveled (clearly traced by used devices) where the walker is with someone he has never walked before (cross-departmental relationship building). The goal optimization system can support the establishment of future rates based on the results of the group. Benefit holders may participate in a “reverse auction” to offer health insurance to customers whose participants are showing an improved health trend (activity, sleep, calories burned,% of meetings held while walking, etc.).
[00129] Using the system, an employer will be able to establish grouped assessments for groups of employees (for example, departmental, geographic, or large company) and according to a common set of goals. Thus, the employer may have a feeling for a level of progress towards goals in relation to one or more aspects of life for their employees in general. The company's assessment can be used to feed into comparative analysis indexes for assessing large industry, for future fluctuations related to productivity, employed morale, etc.
[00130] In a variation of this example, the system may provide an automatic modification of benefits offering based on the progression of the
52/53 employee through its goals. For example, a new employee may be offered a standard health plan with conditions linked to an average of the characteristics of the population. As the employee's health has improved due to the completion of health-related goals, benefits can automatically be changed to adapt to the employee's needs. Similarly, the benefits may adapt to the account for health degradation due to aging or due to the occurrence of life events.
[00131] The goal optimization system may also support sending data to the used devices or target personal area networks, in support of the participant's goals. An example could be to set up office chairs to "alert" the user based on inactivity at times agreed.
[00132] In addition to the thinking of customer managers, they may very well want to perform sanitized analyzes of the number (or percentage) of employees in the event that they have established goals in life if related to financial, personal, health, corporate, family or legacy. This quantifiable analysis of high employee improvement may show the value of leadership that a particular manager provides to his company.
[00133] The following points represent points of addition for consideration in relation to the inventive material.
[00134] In the configurations, the contemplated system may support tax incentives such as goals associated with tax contributions, tax benefits / fees associated with fitness or health plans, tax benefits associated with levels of variation or attributes of the benefit plan of retirement, etc.
[00135] In the configurations, the contemplated system derives recommendations based on the combined cultural drivers, Cultural drivers can be considered attributes associated with a culture (for example, company culture, geographic culture, national culture, ethnic culture, etc.), which can
53/53 still serve to modify a goal based on what cultural norms consider to be relevant or important.
[00136] In the configurations, the contemplated systems may support the creation of evidence-based negotiation points between a participant and one or more employees. Negotiation points may be derived based on progress towards participant goals (including goals achieved) and an employee attribute that may be affected by the participant's goals. This may include directly reaching the goals set by the employer. This may also include progress towards goals that result in an employer benefit (for example, lower insurance costs, higher productivity, etc.).
[00137] It should be apparent to a technician on the subject knowledgeable of the state of the art that many more modifications besides those already described will be possible without running away from the present inventive concepts. The inventive material, therefore, is not restricted except in the spirit of the attached claims. In addition, in interpreting the specification and claims, all terms should be interpreted in the broadest possible way consistent with the context. In particular, the terms "comprises" and "comprising" shall be interpreted as referring to elements, components, or stages in a non-exclusive manner, indicating that said elements, components or stages may be presented, or used, or combined with other elements, components, stages that are not expressly referenced. Where the specification of the claims refers to at least one of something selected from the group consisting of A, B, C. and N, the text should be interpreted as requiring only one member of the group, not A plus N, or B plus N, etc.

权利要求:
Claims (18)
[1]
1. “GOAL OPTIMIZATION SYSTEM”, characterized by comprising a database of participants configured to store data of participants from a plurality of participants, a database of goals configured to store a plurality of goal objects associated with the plurality of participants, a participant interface, and a goals mechanism coupled with the participants' database, the participant interface and the goals database, and configured to instantiate a first goal object as a function of a first set of attributes of the participants received from a target participant through the participant interface, the first goal object comprising a first set of goal attributes and having a first desired result, and to instantiate a second goal object as a function of a second set of attributes of the participants received from the target participant through the participant interface, the second metal object having a second set of goal attributes and having a second desired result, generating a life score for the participant as a function of the first goal object and the second goal object, generating at least one recommendation based on the score generated, and to configure the participant interface to present the goal recommendation.
[2]
2. "SYSTEM", according to claim 1, characterized in that the goals mechanism is configured to generate a life score comprising the goals mechanism configured to generate a first goal result possibility for the first goal object as a function of the desired results by comparing the first set of goal attributes to corresponding sets of attributes of goal objects associated with at least some of the plurality of participants, generating a second possibility of goal result for the second goal object as a function of the second desired result by comparing the second set of goal attributes to corresponding sets of goal attributes
2/4 goal objects associated with at least some of the plurality of participants, and generate a life score as a function of the first goal outcome possibility and the second goal outcome possibility.
[3]
3. “SYSTEM”, according to claim 2, characterized in that the goal mechanism is still configured to generate at least one recommendation as a function of the life score, at least one first goal attribute of the first set of goal attributes and at least one second goal attribute from the second set of goal attributes.
[4]
4. "SYSTEM" according to claim 3, characterized in that at least one first goal attribute and at least one second goal attribute comprise attributes of the same type of attribute.
[5]
5. "SYSTEM", according to claim 3. characterized by at least one first goal attribute and at least one second goal attribute comprise related attributes.
[6]
6. "SYSTEM" according to claim 3, characterized in that at least one first goal attribute comprises an output attribute corresponding to an output associated with the first goal object and by at least one second goal attribute comprises an attribute input for the second goal object, the derived input attribute based on the output attribute.
[7]
7. "SYSTEM" according to claim 1, characterized in that the first goal object still includes a first goal priority attribute of a priority from the first goal object, and the second goal object still includes a second goal object goal priority representative of a priority of the second goal object, and because the first goal priority attribute and the second goal priority attribute are representative of different priority levels.
[8]
8. “SYSTEM”, according to claim 7, characterized in that the target mechanism is configured to generate life evaluation as a
3/4 function of at least one first goal attribute, the first goal priority attribute, at least one of the second goal attributes, and the second goal priority attribute.
[9]
9. "SYSTEM" according to claim 8, characterized in that the first goal priority attribute comprises a first weighting factor applied to at least one first goal attribute and the second goal priority attribute comprises a second target factor weighting applied to at least a second goal attribute.
[10]
10. "SYSTEM", according to claim 1, characterized in that the first goal object and the second goal object each comprise at least one of the following different characteristics, a benefit goal, a financial goal, a legacy goal , a corporate goal, a health goal, a family goal, a personal goal, and a team goal.
[11]
11. "SYSTEM", according to claim 1, characterized by the attributes of the participants comprising at least one of the demographic attributes, psychographic attributes, biometric attributes, financial attributes, personality attributes, relationship attributes, personal attributes, and family attributes .
[12]
12. "SYSTEM", according to claim 1. Characterized by the data of the participants comprising psychographic attributes.
[13]
13. "SYSTEM", according to claim 1, characterized in that the data of the participants comprise biometric data.
[14]
14. "SYSTEM", according to claim 1, characterized in that the target participant comprises a customer.
[15]
15. "SYSTEM", according to claim 1, characterized in that the target participant comprises an employee.
[16]
16. "SYSTEM", according to claim 1, characterized in that the participating interface comprises at least one of the following, cell phone,
4/4 computing device enabled for browsing, a workstation and a server.
[17]
17. “SYSTEM”, according to claim 1, characterized in that the goal recommendation includes an act suggested to be done by the target participant.
[18]
18. "SYSTEM", according to claim 1, characterized in that the goal recommendation includes a modification to at least one of the first goal attributes and the second goal attributes increase the life score.

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同族专利:

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公开号 | 公开日

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HK1217240A1|2016-12-30|

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AU2014268479A1|2015-12-03|

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US20160321935A1|2016-11-03|

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WO2014190201A1|2014-11-27|

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JP2016522496A|2016-07-28|

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JP2017168137A|2017-09-21|

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JP6151441B2|2017-06-21|

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SG11201509514PA|2015-12-30|

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CN105408923A|2016-03-16|

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EP3000079A4|2016-12-07|

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AU2014268479B2|2017-09-28|

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CA2912603A1|2014-11-27|

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EP3000079A1|2016-03-30|

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MX2015015862A|2016-08-19|

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法律状态:
2018-11-06| B06F| Objections, documents and/or translations needed after an examination request according [chapter 6.6 patent gazette]|

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2020-04-22| B06U| Preliminary requirement: requests with searches performed by other patent offices: procedure suspended [chapter 6.21 patent gazette]|

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2020-09-15| B11B| Dismissal acc. art. 36, par 1 of ipl - no reply within 90 days to fullfil the necessary requirements|

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2021-07-13| B350| Update of information on the portal [chapter 15.35 patent gazette]|

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2021-10-13| B350| Update of information on the portal [chapter 15.35 patent gazette]|

优先权:

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申请号 | 申请日 | 专利标题

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US201361826248P| true| 2013-05-22|2013-05-22|

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PCT/US2014/039229|WO2014190201A1|2013-05-22|2014-05-22|Participant outcomes, goal management and optimization, systems and methods|

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