Allstate Insurance Company

John Rugel

Howard Hayes

Brian Stricker

Matthew Olenak

Surender Kumar

Avani Patel

Araba Appiagyei-Dankah

Philip Peter Ramirez

Tarik Galijasevic

Aspects of the disclosure relate to computing platforms that utilize improved mitigation analysis and policy management techniques to improve onboarding security. A computing platform may initiate an onboarding process with a mobile device. The computing platform may receive one or more onboarding verification inputs indicative of a user identity. The computing platform may send commands directing a mitigation analysis and output generation platform to analyze the onboarding verification inputs. The computing platform may receive a mitigation output indicating a degree of correlation between the one or more received onboarding verification inputs and expected onboarding verification inputs. In response to determining that the mitigation output exceeds a predetermined mitigation threshold, the computing platform may send mitigation interface information and one or more commands directing the mobile device to display an onboarding mitigation interface that prompts for one or more additional onboarding verification inputs indicative of the user identity.

Onboarding platform for performing dynamic mitigation analysis

Aspects of the disclosure relate to computing platforms that utilize improved mitigation analysis and policy management techniques to improve onboarding security. A computing platform may determine that a predetermined period of time has elapsed since finalizing an onboarding process. The computing platform may receive spot check verification inputs indicative of a user identity and may direct a mitigation analysis and output generation platform to analyze the spot check verification inputs. The computing platform may receive an indication of a correlation between the spot check verification inputs and expected spot check verification inputs. In response to determining that the correlation exceeds a predetermined threshold, the computing platform may determine that an additional verification test should be conducted, and may direct the mobile device to display an interface that prompts for additional onboarding verification inputs.

System, apparatuses, computer-implemented methods, and computer-readable media executable by insurance system servers and user computing devices for receiving requests for insurance products are provided. In order to determine one or more factors of the insurance product or policy, the system may use body characteristics of the customer or potential customer, such as height, weight, body mass index, and the like. In some examples, this information may be determined from one or more images provided by the user. For instance, one or more images of the customer or potential customer may be captured and transmitted to the system for processing. Based on the received images, the system may determine various body characteristics of the user and may use that information to determine one or more policy factors for the insurance product or policy, such as premium, coverage, term, type of policy, or the like.

Determining body characteristics based on images

Methods, apparatuses, systems, and computer-readable media for identifying and executing one or more interactive condition evaluation tests and collecting and analyzing user behavior data to generate an output are provided. In some examples, user information may be received and one or more interactive condition evaluation tests may be identified. An instruction may be transmitted to a computing device of a user and executed on the computing device to enable functionality of one or more sensors that may be used in the identified tests. Upon initiating a test, data may be collected from the one or more sensors. The collected sensor data may be transmitted to the system and processed using one or more machine learning datasets. Additionally, user behavior data may be collected and processed using one or more machine learning datasets. The sensor data, the user behavior data, and other data may be used together to generate an output.

Data processing system with machine learning engine to provide output generating functions

Systems, methods, computer-readable media, and apparatuses for identifying and executing one or more interactive condition evaluation tests to generate an output are provided. In some examples, user information may be received by a system and one or more interactive condition evaluation tests may be identified. An instruction may be transmitted to a computing device of a user and executed on the computing device to enable functionality of one or more sensors that may be used in the identified tests. A user interface may be generated including instructions for executing the identified tests. Upon initiating a test, data may be collected from one or more sensors in the computing device. The data collected may be transmitted to the system and may be processed using one or more machine learning datasets to generate an output.

Aspects of the disclosure relate to computing platforms that utilize improved mitigation analysis and policy management techniques to improve onboarding security. A computing platform may determine that a predetermined period of time has elapsed since finalizing an onboarding process. The computing platform may receive spot-check verification inputs indicative of a user identity and may direct a mitigation analysis and output generation platform to analyze the spot-check verification inputs. The computing platform may receive an indication of a correlation between the spot-check verification inputs and expected spot-check verification inputs. In response to determining that the correlation exceeds a predetermined threshold, the computing platform may determine that an additional verification test should be conducted, and may direct a mobile or other computing device to display an interface that prompts for additional onboarding verification inputs.

One or more devices in a life insurance clearinghouse system may be configured to store and maintain life insurance customer data and policy data in one or more life insurance databases. A life insurance clearinghouse may store, for example, customer information, policy types and terms, and coverage amounts for life insurance policies associated with multiple different life insurance providers. Various systems and devices, such as insurance provider computer hardware memory and processor systems, insurance clearinghouse computer memory and processor devices, and customer terminals, may retrieve life insurance customer data and/or policy data associated with multiple different life insurance providers, from one or more databases in a life insurance clearinghouse. The retrieved life insurance customer data and/or policy data may be analyzed and used in various life insurance determinations and functions, such as processing a life insurance application or a requested change to the coverage amount or terms of an existing policy, or determining maximum combined coverage amounts for customers.

Life insurance clearinghouse

Methods, computer-readable media, and apparatuses for identifying and executing one or more interactive condition evaluation tests and collecting and analyzing social data to generate an output are provided. In some examples, user information may be received and one or more interactive condition evaluation tests may be identified. An instruction may be transmitted to a computing device of a user and executed on the computing device to enable functionality of one or more sensors that may be used in the identified tests. Upon initiating a test, data may be collected from the one or more sensors. The collected sensor data may be transmitted to the system and processed using one or more machine learning datasets. Additionally, social data may be collected and analyzed using one or more machine learning datasets to generate a social profile. The sensor data and social profile may be used together to generate an output.

One or more devices in a life insurance clearinghouse system may be configured to store and maintain life insurance customer data and policy data. A life insurance clearing house may store, for example, customer information, policy types and terms, and coverage amounts for life insurance policies associated with different life insurance providers. Various systems and devices, such as insurance provider computer hardware memory and processor systems, insurance clearinghouse computer memory and processor devices, and customer terminals, may retrieve life insurance customer data and/or policy data associated with multiple different life insurance providers, from databases in a life insurance clearinghouse. The retrieved life insurance customer data and/or policy data my be analyzed and used in life insurance determinations and functions, such as processing a life insurance application or a requested change to the coverage amount or terms of an existing policy, or determining maximum combined coverage amounts for customers.

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Hawthorn Woods, IL, United States of America

John Rugel