Patents Assigned to Massachusetts Mutual Life Insurance Company
  • Patent number: 11611653
    Abstract: An artificial intelligence (AI) model, using logistic regression and gradient boosting tree, may determine a priority score for a user. The priority score may be associated with a likelihood of redemption of investment funds of the user by the user. Based on the priority score for the user, a server may prioritize transmission of a communication message to the user via one of a plurality of communication channels. The communication message may describe why the user should continue with their investment funds without redemption.
    Type: Grant
    Filed: September 2, 2020
    Date of Patent: March 21, 2023
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Sarah Porter, Zizhen Wu, Marcy Daniels
  • Patent number: 11598644
    Abstract: The methods and systems disclosed herein provide a server that periodically monitors a user's location using one or more beacons while periodically monitoring hazardous conditions using a variety of electronic sensors, such as thermographic imaging. When the user is within a predetermined proximity of a hazardous condition the server transmits an instruction to an electronic wearable device to present a notification (e.g., haptic, noise, and the like) warning the user of the hazardous condition.
    Type: Grant
    Filed: November 30, 2020
    Date of Patent: March 7, 2023
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Michal Knas, Jiby John
  • Patent number: 11571165
    Abstract: In one embodiment of the present disclosure, an ingestible medication device is a self-contained electronic device that stores an active agent, and that controls release of the active agent using an on board processor. The ingestible medication device embodies one or more ingestible device identifiers, including personal identifiers and active agent identifiers, which are compared with external device identifiers to determine whether to release the active agent. A method for managing an ingestible medication device detects proximity to a limited range, RFID-enabled patient wristband, indicating that the wristband is worn by the patient that ingested the ingestible medication device. Various methods enable a nurse to track medication information to monitor compliance with medication regimen and dosage information. Other methods track an ingestible medication device selected for filling a prescription at a pharmacy of the health care provider, including transfer to a caregiver station using a transport cart.
    Type: Grant
    Filed: September 11, 2018
    Date of Patent: February 7, 2023
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Michal Knas, Jiby John
  • Patent number: 11557156
    Abstract: Disclosed herein is a product inspection apparatus that may include an electronic device having a visual inspection software application. The visual inspection software application may activate a camera of the electronic device to capture images of a product, such as a vehicle. A display screen of the electronic device may present product images. The product images may be digitally processed, and augmented by the addition of computer-generated images associated with a status of inspection of each element of the vehicle in the product images. Each computer-generated image may include a graphical indicator associated with the status of inspection of a particular element. Each computer-generated image may be projected on top of a real world image of the particular element presented on the display screen.
    Type: Grant
    Filed: June 8, 2020
    Date of Patent: January 17, 2023
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Michal Knas, Jiby John, Damon DePaolo, Payton Shubrick
  • Patent number: 11551108
    Abstract: A call management system of a call center retrieves from a customer database enterprise customer data associated with an identified customer in a customer call, which may include customer event data, attributions data, and activity event data. The customer database tracks prospects, leads, new business, and purchasers of an enterprise. The system retrieves customer demographic data associated with the identified customer. A predictive model is selected from a plurality of predictive models based on retrieved enterprise customer data. The selected predictive model, including a logistic regression model, and tree-based model, determines a value prediction signal for the identified customer, then classifies the identified customer into a first value group or a second value group. The system routes a customer call classified in the first value group to a first call queue assignment, and routes a customer call classified in the second value group to a second call queue assignment.
    Type: Grant
    Filed: November 8, 2021
    Date of Patent: January 10, 2023
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventor: Sears Merritt
  • Patent number: 11544598
    Abstract: Disclosed herein are embodiments of systems, methods, and products comprises an analytic server, which evaluates user data for premium financing status and dynamically renders graphical user interfaces. The server trains an artificial intelligence model based on historical user data. The artificial intelligence model comprises one or more data points with each data point representing one of a plurality of attributes and applies a logistic regression algorithm to identify a weight factor for each attribute. The server uses a dynamic algorithm to generate a score by combining the plurality of attributes based on the weight factors. The server receives responses regarding the scores that indicate the premium financing status of each case. The server retrains the artificial intelligence model to identify new weight factors based on negative responses data. The server automatically displays new scores calculated based on the new weight factors.
    Type: Grant
    Filed: June 19, 2020
    Date of Patent: January 3, 2023
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Xiaomin Lin, Matthew Girard, Michael Crough, Peng Wang, Adam Fox, Robert Greif
  • Publication number: 20220414704
    Abstract: Systems for assisting users in selecting various promotional offers while shopping online are disclosed. The system is configured to receive promotional information being offered by one or more business merchants to a user, determine a navigation to a webpage on a user device by the user from where an item can be purchased, identify one or more attributes associated to the webpage, determine one or more promotions from the promotional information based on the one or more attributes identified, and display on the user device of the user the one or more promotions associated with the item being purchased by the user on the webpage of the user device.
    Type: Application
    Filed: August 29, 2022
    Publication date: December 29, 2022
    Applicant: Massachusetts Mutual Life Insurance Company
    Inventors: Damon Ryan Depaolo, Payton A. Shubrick, Robert Benoit
  • Patent number: 11532389
    Abstract: A transdermal delivery device for dispensing personalized transdermal dosage formulations from a plurality of reservoirs, and a personalized method for producing the transdermal delivery device. A prescription fill service receives electronic prescription data for a plurality of transdermal dosage formulations to be administered to a given patient. The prescription fill service deposits transdermal dosage formulations in two or more reservoirs of a transdermal device substrate via 3D printing of printable pharmaceutical agent. The electronic prescription data may include transdermal dosage formulations data used to select printable pharmaceutical agent deposited in respective reservoirs. The electronic prescription data further may include medication regimen data for administration of transdermal medications, such as timing data for release of selected transdermal dosage formulations.
    Type: Grant
    Filed: September 7, 2018
    Date of Patent: December 20, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Michal Knas, Jiby John
  • Patent number: 11531969
    Abstract: The system and methods described herein provide for managing user datasets by facilitating interactions between users and their advisors following location-based notification of certain triggering events in the user dataset. The geolocation of the user is used to identify nearby advisors who can provide consultation as required by the user. Some embodiments facilitate introductions to a potential user of a set of advisors matched to the user's profile and in response to certain triggering events in the user's dataset.
    Type: Grant
    Filed: March 16, 2020
    Date of Patent: December 20, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Richard Murphy, Brian Berard
  • Patent number: 11522677
    Abstract: A computerized system and method may include, in response to receiving a blockchain via a communications network that includes information associated with an event, parsing, by a blockchain parsing engine being executed by a blockchain node, the information to identify a status state of an item related to the event. The blockchain may be inclusive of the information along with the status state of the item may be stored in a storage unit. An event tracking engine may determine from the parsed information that the status state of the item transitioned from a first state to a second state. Responsive to the event tracking engine determining that a qualifying state is satisfied by the item being in the second state, automatically executing, by the blockchain node, a smart code inclusive of initiating communications between a first party and a second party.
    Type: Grant
    Filed: May 21, 2020
    Date of Patent: December 6, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Jennifer Rutley, Abigail Jennings O'Malley
  • Patent number: 11509771
    Abstract: A call management system of a call center identifies an inbound caller based upon computer analysis of customer identifiers, which may include at least two of customer name, street address, and zip code. Approximate string matching analysis matches n-grams generated from strings within customer identifiers, with n-grams generated from customer identification fields while searching one or more databases. Approximate string matching can incorporate a closeness metric based on Jaccard distance, and a Gaussian mixture model of best matches. In one embodiment, a polymr search engine analyzes customer identifiers of inbound callers to retrieve customer data, such as customer demographic data, matched to the customer identifiers. In another embodiment, the polymr search engine analyzes customer identifiers of inbound callers to identify repeat callers and retrieve previously collected customer data.
    Type: Grant
    Filed: December 20, 2018
    Date of Patent: November 22, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Gareth Ross, Andrew Reagan, Randall Schwager
  • Patent number: 11501880
    Abstract: Disclosed is a method and a system for receiving a request to generate an anonymized pool dataset, wherein the request comprises overall number of people in the dataset, one or more genetic condition categories, a genetic attribute associated with each category, and a percentage of the number of users associated with each category; querying and receiving from a second server a set of datasets associated with people, wherein each dataset comprises health data associated with a user and a corresponding genetic data; generating a pool dataset from the anonymized set of datasets, wherein the pool dataset corresponds to the received overall number of users in the dataset, genetic condition categories, the genetic attribute associated with each category, and a percentage of the number of people in each category.
    Type: Grant
    Filed: December 11, 2018
    Date of Patent: November 15, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventor: Gareth Ross
  • Patent number: 11496554
    Abstract: An advisor distribution system may include an advisor management system, which may include various software modules. The advisor management system may allow for a balanced distribution of a plurality of advisors operating a plurality of advisor computing devices into multiple groups based on value of a Mahalanobis Distance between each covariate of the plurality of advisors operating the plurality of advisor computing devices.
    Type: Grant
    Filed: March 16, 2021
    Date of Patent: November 8, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Nailong Zhang, Zizhen Wu, Adam Fox, Sarah Porter
  • Patent number: 11494364
    Abstract: A computerized system and method may include, in response to receiving a blockchain via a communications network that includes information associated with an event, parsing, by a blockchain parsing engine being executed by a blockchain node, the information to identify a status state of an item related to the event. The blockchain may be inclusive of the information along with the status state of the item may be stored in a storage unit. An event tracking engine may determine from the parsed information that the status state of the item transitioned from a first state to a second state. Responsive to the event tracking engine determining that a qualifying state is satisfied by the item being in the second state, automatically executing, by the blockchain node, a smart code inclusive of initiating communications between a first party and a second party.
    Type: Grant
    Filed: June 15, 2020
    Date of Patent: November 8, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Jennifer Rutley, Abigail Jennings O'Malley
  • Patent number: 11494246
    Abstract: Disclosed herein are embodiments of systems, methods, and products comprises a server for efficiently processing electronic requests. The server receives a plurality of predictive computer models and a specification file for each model for registration. The server extracts validation codes for each model based on the specification file. When the server receives an electronic request, the API layer of the server validates the request by verifying the inputs of the request satisfying the validation codes of the corresponding model. If the electronic request is invalid, the server returns an error message immediately; otherwise, the API layer of the server sends the electronic request to the model execution layer. Within the model execution layer, the server executes the corresponding model based on the request inputs and generates output results. The model execution layer transmits the output results back to the API layer, which transmits the output results to the user device.
    Type: Grant
    Filed: January 25, 2021
    Date of Patent: November 8, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Lucas Adams, Jonathan Ellenberger
  • Patent number: 11463585
    Abstract: Disclosed herein are embodiments of systems, methods, and products comprises an analytic server for electronic requests routing and distribution. The server receives a plurality of requests from a plurality of electronic user devices. Aiming to routing the plurality of requests to appropriate agents, the server trains an artificial intelligence model for each agent based on historical data. For each request, the server executes the artificial intelligence model to determine a score indicating the probability of the agent converting the request to a successful sale. The server determines an entropy value for each request based on the scores and order the requests into a queue based on the entropy values. The server also calculates a capacity for each agent based on historical agent data. For each request in the queue, the server routes the request to an agent based on at least one of the score and capacity of the agent.
    Type: Grant
    Filed: September 14, 2020
    Date of Patent: October 4, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Asieh Ahani, Tara Zayac, Michael Tracy
  • Patent number: 11436284
    Abstract: Embodiments disclosed herein disclose a back-end computer to generate a risk score and a front-end visualization engine to hierarchically display the generated risk core. The back-end computer users a machine learning model for a stepwise perturbation from a digital reference profile until a user profile to be score is reached. The computer may calculate intermediate risk score for each perturbation and calculate the final risk score after all the perturbations are completed. The front-end visualization engine generates an interactive hierarchical display showing information associated with the risk score calculation. More specifically, the visualization engine may show a filtered list of users sharing one or more attributes with the user profile, a visual rendering of the top factors contributing to the risk score, and individual input values within a factor; and juxtapose the scores and attributes of the user profile in the graphical information display of the associated population.
    Type: Grant
    Filed: January 25, 2021
    Date of Patent: September 6, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Sears Merritt, Michael Bessey, Marc Maier
  • Patent number: 11436281
    Abstract: This disclosure discloses systems, devices, and methods for parallelized data structure processing in context of machine learning and reverse proxy servers.
    Type: Grant
    Filed: March 16, 2020
    Date of Patent: September 6, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventor: Sears Merritt
  • Patent number: 11430000
    Abstract: Systems for assisting users in selecting various promotional offers while shopping online are disclosed. The system is configured to receive promotional information being offered by one or more business merchants to a user, determine a navigation to a webpage on a user device by the user from where an item can be purchased, identify one or more attributes associated to the webpage, determine one or more promotions from the promotional information based on the one or more attributes identified, and display on the user device of the user the one or more promotions associated with the item being purchased by the user on the webpage of the user device.
    Type: Grant
    Filed: February 14, 2018
    Date of Patent: August 30, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventors: Damon Ryan Depaolo, Payton A. Shubrick, Robert Benoit
  • Patent number: 11423418
    Abstract: Embodiments of systems and methods for fraud review are disclosed. The systems may comprise multi-tiered computing systems which may receive fraud alerts from multiple sources. A computing system in a tier may receive a fraud alert and use one or more fraud risk metrics to determine whether the fraud alert should be escalated. If the computing system determines that the fraud alert should be escalated, the computing system may transmit an escalation message to a higher tier computing system. If the computing system determines that the fraud alert should not be escalated, the computing system may transmit a message to a fraud prevention computing system. In some embodiments, the computing system may determine that the fraud alert is a false positive and transmit a false positive message to the source of the fraud alert such as a lower tier computing system.
    Type: Grant
    Filed: March 2, 2021
    Date of Patent: August 23, 2022
    Assignee: MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
    Inventor: Sears Merritt