# US 12,217,314 B2 · Systems and methods for electronically matching online user profiles > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,217,314 B2 - Document ID: US12217314B2 - Status: Granted - Kind: B2 - Application number: 18/373,553 - Filed: 2023-09-27 - Published: 2024-01-25 - Granted: 2025-02-04 - Earliest claimed: 2019-02-12 - Assignees: State Farm Mutual Automobile Insurance Company - Applicants: State Farm Mutual Automobile Insurance Company - Inventors: Joseph Robert Brannan; Brian N. Harvey; Ryan Michael Gross; J. Lynn Wilson; Matthew Eric Riley, Sr. - Web page: https://patentgrep.com/patent/US12217314B2 ## CPC - G06Q 30/0645: Rental transactions; Leasing transactions - G06F 16/9035: Filtering based on additional data, e.g. user or group profiles - G06F 16/9535: Search customisation based on user profiles and personalisation - G06Q 10/40: Business processes related to social networking or social networking services - G06Q 10/42: Determination of affinities or common interests between users - G06Q 40/08: Insurance - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) ## Abstract A matching computer system for electronically generating, matching, and providing online user profiles, and determining a trust score for a user based upon at least social media data and insurance data is provided. The matching computer system may be configured to register users within the matching computer system, receive consent from the users to capture the social media data, and collect the social media data and the insurance data from each registered user. The matching computer system may also be configured to retrieve the social media data and the insurance data associated with each registered user. The matching computer system may be further configured to determine a trust score for each registered user based upon each respective social media data and each respective insurance data. Each trust score represents a level of trustworthiness of the user. ## Claims ### Claim 1 A matching computer system comprising at least one processor in communication with at least one memory device, wherein the at least one processor is configured to: retrieve, from at least one social media server, social media data associated with social media activities of a selected user of one or more users; retrieve, from at least one insurance provider server, insurance data for the selected user of the one or more users; store, within the at least one memory device, the social media data and the insurance data of the one or more users; retrieve feedback data associated with the selected user; update a scoring algorithm by utilizing the feedback data associated with the selected user, the scoring algorithm configured to generate a score for a user indicating a trustworthiness of the user when engaging with that user; apply the updated scoring algorithm to the social media data and the insurance data associated with the selected user; generate a trust score for the selected user based, at least in part, upon the application of the updated scoring algorithm to the social media data and the insurance data associated with the selected user, wherein the trust score represents a level of trustworthiness of the selected user; cause display, on a user interface of a user computing device associated with a requestor user of the one or more users, an interactive electronic page including a listing of the selected user and the trust score of the selected user; and in response to receiving a selection of the listing by the requestor user, generate a sharing score based upon a comparison of the trust score of the selected user to a trust score of the requestor user. ### Claim 2 (depends on 1) The matching computer system of claim 1, wherein the at least one processor is further configured to receive, from one or more user computing devices associated with the one or more users, consent from the one or more users to capture the social media data associated with social media activities of the one or more users. ### Claim 3 (depends on 1) The matching computer system of claim 1, wherein the feedback data includes user-satisfaction data associated with at least one user of the one or more users. ### Claim 4 (depends on 1) The matching computer system of claim 1, wherein the feedback data relates to at least one previous transaction involving at least one user of the one or more users, and wherein the at least one previous transaction includes an exchange of a good or service with the at least one user. ### Claim 5 (depends on 1) The matching computer system of claim 1, wherein the at least one processor is further configured to: receive consent from the one or more users to capture telematics data associated with usage of one or more items that each respective user is interested in at least one of renting or offering for rent; collect, via one or more sensors associated with the one or more items, the telematics data; store, within the at least one memory device, the telematics data; retrieve, the at least one memory device, the telematics data; apply the scoring algorithm to each respective telematics data; and determine the trust score for each registered user based, at least in part, upon the application of the scoring algorithm to each respective telematics data. ### Claim 6 (depends on 1) The matching computer system of claim 1, wherein the at least one processor is further configured to register, with the matching computer system, the one or more users, wherein each registered user is one of a consumer and a provider, wherein the consumer is associated with a consumer computing device, wherein the provider is associated with a provider computing device, wherein the consumer is interested in renting the one or more items, and wherein the provider is interested in offering for rent the one or more items. ### Claim 7 (depends on 1) The matching computer system of claim 1, wherein the at least one processor is further configured to: determine a social media score for each user of the one or more users based upon each respective social media data; and determine the trust score for each user based, at least in part, upon each respective social media score and each respective insurance data. ### Claim 8 A computer-implemented method using a matching computer system including at least one processor in communication with at least one memory device, the method comprising: retrieving, from at least one social media server, social media data associated with social media activities of a selected user of one or more users; retrieving, from at least one insurance provider server, insurance data for the selected user of the one or more users; storing, within the at least one memory device, the social media data and the insurance data of the one or more users; retrieving feedback data associated with the selected user; updating a scoring algorithm by utilizing the feedback data associated with the selected user, the scoring algorithm configured to generate a score for a user indicating a trustworthiness of the user when engaging with that user; applying the updated scoring algorithm to the social media data and the insurance data associated with the selected user; generating a trust score for the selected user based, at least in part, upon the application of the updated scoring algorithm to the social media data and the insurance data associated with the selected user, wherein the trust score represents a level of trustworthiness of the selected user; causing display, on a user interface of a user computing device associated with a requestor user of the one or more users, an interactive electronic page including a listing of the selected user and the trust score of the selected user; and in response to receiving a selection of the listing by the requestor user, generating a sharing score based upon a comparison of the trust score of the selected user to a trust score of the requestor user. ### Claim 9 (depends on 8) The computer-implemented method of claim 8 further comprising receiving, from one or more user computing devices associated with the one or more users, consent from the one or more users to capture the social media data associated with social media activities of the one or more users. ### Claim 10 (depends on 8) The computer-implemented method of claim 8, wherein the feedback data includes user-satisfaction data associated with at least one user of the one or more users. ### Claim 11 (depends on 8) The computer-implemented method of claim 8, wherein the feedback data relates to at least one previous transaction involving at least one user of the one or more users, and wherein the at least one previous transaction includes an exchange of a good or service with the at least one user. ### Claim 12 (depends on 8) The computer-implemented method of claim 8 further comprising: receiving consent from the one or more users to capture telematics data associated with usage of one or more items that each respective user is interested in at least one of renting or offering for rent; collecting, via one or more sensors associated with the one or more items, the telematics data; storing, within the at least one memory device, the telematics data; retrieving, the at least one memory device, the telematics data; applying the scoring algorithm to each respective telematics data; and determining the trust score for each registered user based, at least in part, upon the application of the scoring algorithm to each respective telematics data. ### Claim 13 (depends on 8) The computer-implemented method of claim 8 further comprising registering, with the matching computer system, the one or more users, wherein each registered user is one of a consumer and a provider, wherein the consumer is associated with a consumer computing device, wherein the provider is associated with a provider computing device, wherein the consumer is interested in renting the one or more items, and wherein the provider is interested in offering for rent the one or more items. ### Claim 14 (depends on 8) The computer-implemented method of claim 8 further comprising: determining a social media score for each user of the one or more users based upon each respective social media data; and determining the trust score for each user based, at least in part, upon each respective social media score and each respective insurance data. ### Claim 15 At least one non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, wherein when executed by at least one processor included in a matching computer system and in communication with at least one memory device, the computer-executable instructions cause the at least one processor to: retrieve, from at least one social media server, social media data associated with social media activities of a selected user of one or more users; retrieve, from at least one insurance provider server, insurance data for the selected user of the one or more users; store, within the at least one memory device, the social media data and the insurance data of the one or more users; retrieve feedback data associated with the selected user; update a scoring algorithm by utilizing the feedback data associated with the selected user, the scoring algorithm configured to generate a score for a user indicating a trustworthiness of the user when engaging with that user; apply the updated scoring algorithm to the social media data and the insurance data associated with the selected user; generate a trust score for the selected user based, at least in part, upon the application of the updated scoring algorithm to the social media data and the insurance data associated with the selected user, wherein the trust score represents a level of trustworthiness of the selected user; cause display, on a user interface of a user computing device associated with a requestor user of the one or more users, an interactive electronic page including a listing of the selected user and the trust score of the selected user; and in response to receiving a selection of the listing by the requestor user, generate a sharing score based upon a comparison of the trust score of the selected user to a trust score of the requestor user. ### Claim 16 (depends on 15) The computer-readable storage medium of claim 15, wherein the computer-executable instructions further cause the at least one processor to receive, from one or more user computing devices associated with the one or more users, consent from the one or more users to capture the social media data associated with social media activities of the one or more users. ### Claim 17 (depends on 15) The computer-readable storage medium of claim 15, wherein the feedback data relates to at least one previous transaction involving at least one user of the one or more users, and wherein the at least one previous transaction includes an exchange of a good or service with the at least one user. ### Claim 18 (depends on 15) The computer-readable storage medium of claim 15, wherein the computer-executable instructions further cause the at least one processor to: receive consent from the one or more users to capture telematics data associated with usage of one or more items that each respective user is interested in at least one of renting or offering for rent; collect, via one or more sensors associated with the one or more items, the telematics data; store, within the at least one memory device, the telematics data; retrieve, the at least one memory device, the telematics data; apply the scoring algorithm to each respective telematics data; and determine the trust score for each registered user based, at least in part, upon the application of the scoring algorithm to each respective telematics data. ### Claim 19 (depends on 15) The computer-readable storage medium of claim 15, wherein the computer-executable instructions further cause the at least one processor to register, with the matching computer system, the one or more users, wherein each registered user is one of a consumer and a provider, wherein the consumer is associated with a consumer computing device, wherein the provider is associated with a provider computing device, wherein the consumer is interested in renting the one or more items, and wherein the provider is interested in offering for rent the one or more items. ### Claim 20 (depends on 15) The computer-readable storage medium of claim 15, wherein the computer-executable instructions further cause the at least one processor to: determine a social media score for each user of the one or more users based upon each respective social media data; and determine the trust score for each user based, at least in part, upon each respective social media score and each respective insurance data.