# US 2021/0279810 A1 · Interactive and adaptive systems and methods for insurance application > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2021/0279810 A1 - Document ID: US20210279810A1 - Status: Published application - Kind: A1 - Application number: 17/155,480 - Filed: 2021-01-22 - Published: 2021-09-09 - Earliest claimed: 2017-05-24 - Assignees: Jenny Life, Inc. - Applicants: Jenny Life, Inc. - Inventors: Chirag Pancholi; Lief Larson - Web page: https://patentgrep.com/patent/US20210279810A1 ## CPC - G06Q 40/08: Insurance - G06F 3/0482: Interaction with lists of selectable items, e.g. menus - 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 The disclosure relates to interactive and adaptive systems and methods for insurance application. Depending on how the application process is tailored and/or adapted to individual applicants' identity, location, status, health condition, medical history, or other information collected during the process, the application process can provide UIs in different form, content, sequence, and/or quantity, to different applicants as part or the entirety of the insurance application process. ## Claims ### Claim 1 A computer-implemented method performed by a portable computing device that is configured to communicate with at least one remote computing device, the method comprising: presenting a first set of user interfaces for an application for insurance; receiving image data from a user in response to the user's interaction with the first set of user interfaces; identifying personally identifiable information based, at least in part, on the received image data; transmitting the personally identifiable information to the at least one remote computing device, wherein the personally identifiable information is analyzed based, at least in part, on communication between the remote computing device and one or more third-party computing resources; receiving instructions from the at least one remote computing device for generating a second set of user interfaces based, at least in part, on the analysis of the personally identifiable information; generating and presenting the second set of user interfaces; receiving additional data from the user in response to the user's interaction with the second set of user interfaces; concurrently with presenting the second set of user interfaces, transmitting at least a portion of the additional data to the at least one remote computing device, wherein the at least a portion of the additional data is analyzed based, at least in part, on communication between the remote computing device and one or more third-party computing resources; and providing a result for the application for insurance based, at least in part, on the analysis of the at least a portion of the additional data. ### Claim 2 (depends on 1) The computer-implemented method of claim 1, wherein the method is completed in a period of time equal to or shorter than 5 minutes. ### Claim 3 (depends on 1) The computer-implemented method of claim 1, wherein the first set of user interfaces are predefined independent of the personally identifiable information of the user. ### Claim 4 (depends on 1) The computer-implemented method of claim 1, wherein the image data includes at least one of an image of an identification card, an image of a payment card, or an image of the user's face. ### Claim 5 (depends on 1) The computer-implemented method of claim 1, wherein the method is completed without need for the user to manually type or key in textual information. ### Claim 6 (depends on 1) The computer-implemented method of claim 1, further comprising receiving instructions from the at least one remote computing device for generating a third set of user interfaces based, at least in part, on the analysis of the at least a portion of the additional data. ### Claim 7 (depends on 6) The computer-implemented method of claim 6, wherein providing a result for the application for insurance is further based on the user's interaction with the third set of user interfaces. ### Claim 8 A non-transitory computer-readable medium storing content that, when executed by one or more processors, causes the one or more processors to perform actions comprising: receiving image data from a user in response to the user's interaction with a first set of user interfaces for an insurance application, identifying user-specific information based, at least in part, on the received image data; transmitting the user-specific information to the at least one remote computing device for analysis; receiving from the at least one remote computing device a first response to the transmitted user-specific information; presenting a second set of user interfaces based, at least in part, on the first response; receiving additional data from the user in response to the user's interaction with the second set of user interfaces; concurrently with presenting the second set of user interfaces, transmitting at least a portion of the additional data to the at least one remote computing device for analysis; and providing a result for the insurance application based, at least in part, on a second response to the transmitted at least a portion of the additional data. ### Claim 9 (depends on 8) The computer-readable medium of claim 8, wherein the second set of user interfaces are dynamically generated responsive to receiving the first response. ### Claim 10 (depends on 8) The computer-readable medium of claim 8, wherein content for the second set of user interfaces is generated, at least in part, by the at least one remote computing device. ### Claim 11 (depends on 8) The computer-readable medium of claim 8, wherein the actions further comprise causing matching a first image of the user's face with a second image data of the user's face. ### Claim 12 (depends on 11) The computer-readable medium of claim 11, wherein the first image is derived from an image of an identification card and the second image includes the user's face captured live by a mobile device ### Claim 13 (depends on 11) The computer-readable medium of claim 11, wherein the image data includes the first image and the additional data includes the second image. ### Claim 14 (depends on 8) The computer-readable medium of claim 8, wherein the actions further comprise presenting a third set of user interfaces based, at least in part, on the second response. ### Claim 15 (depends on 8) The computer-readable medium of claim 8, wherein the result of the insurance application includes at least one of approval, denial, or notice for further processing. ### Claim 16 A system, comprising: at least a memory storing computer-executable instructions; and one or more processors that, when executing the instructions, are configured to: receive image data from a user, identify personally identifiable information based, at least in part, on the received image data, cause first analysis of the personally identifiable information, present one or more user interfaces based, at least in part, on the first analysis, receive additional data from the user via the one or more user interfaces, concurrently with presenting the one or more user interfaces, cause second analysis of at least a portion of the additional data and/or the personally identifiable information, and determine a result for insurance application based, at least in part, on the second analysis. ### Claim 17 (depends on 16) The system of claim 16, wherein the system corresponds to a mobile phone or a server computer. ### Claim 18 (depends on 16) The system of claim 16, wherein the one or more processors are further configured to validate the identified personally identifiable information. ### Claim 19 (depends on 16) The system of claim 16, wherein the one or more processors are further configured to verify the user's identity based, at least in part, on the personally identifiable information. ### Claim 20 (depends on 16) The system of claim 16, wherein the one or more processors are further programmed to evaluate fraud risks based on the personally identifiable information. ### Claim 21 (depends on 16) The system of claim 16, wherein the one or more processors are further configured to automatically underwrite an insurance policy for the user based, at least in part, on data associated with the user.