US 12,340,003 B2
Lifestyle continuation model using a capacity unit architecture
Henry Alistair Croydon, New York, NY (US); James Finesilver Crystal, New York, NY (US); Jonathon Henry Croydon, London (GB); and Peninah Wairimu Njoki, Nairobi (KE)
Assigned to STP Group Holdings LLC, New York, NY (US)
Filed by STP Group Holdings LLC, New York, NY (US)
Filed on Sep. 28, 2022, as Appl. No. 17/955,097.
Claims priority of provisional application 63/251,904, filed on Oct. 4, 2021.
Prior Publication US 2023/0106728 A1, Apr. 6, 2023
Int. Cl. G06Q 20/06 (2012.01); G06F 3/0481 (2022.01); G06F 21/62 (2013.01); G06F 21/64 (2013.01); G06Q 40/08 (2012.01); H04L 12/14 (2006.01)
CPC G06F 21/645 (2013.01) [G06F 3/0481 (2013.01); G06F 21/62 (2013.01); G06Q 20/065 (2013.01); G06Q 40/08 (2013.01); H04L 12/145 (2013.01)] 28 Claims
OG exemplary drawing
 
1. A lifestyle protection system comprising:
an embedded application installed on a user device;
a plurality of data channels configured to access activity data;
a network circuit; and
a processing circuit communicably coupled to the plurality of data channels via the network circuit, the processing circuit configured to:
detect, from the embedded application installed on the user device of a user via a first data channel of the plurality of data channels, activity data based on a transaction by the user or a usage of the user device by the user;
access the embedded application to collect the activity data;
responsive to the detection and accessing, generate new capacity units based on the activity data, wherein the new capacity units correspond with a first value;
determine if a summation of the new capacity units and un-allocated capacity units is above a threshold for a first plan, wherein the un-allocated capacity units are based on previous activity data performed by the user device, and wherein the un-allocated capacity units correspond with a second value below the threshold for the first plan;
automatically generate the first plan of a plurality of other plans based on the summation of the new capacity units and the un-allocated capacity units, wherein each of the plurality of other plans comprises a plurality of coverages and active periods;
allocate the summation of the new capacity units and the un-allocated capacity units to the first plan over the plurality of other plans based on an allocation scheme set by the user, wherein the allocation of the summation comprises converting the new capacity units and the un-allocated capacity units to allocated capacity units, and wherein the allocation scheme sets a first coverage amount and an active period based a cumulative value of the allocated capacity units to the first plan;
receive, from the user device, an interaction with at least one slider or button of a graphical user interface (GUI) corresponding with a reallocation of the allocated capacity units; and
responsive to the reallocation using the at least one slider or button of the GUI, adjust, in real-time, the coverage or the active period of the first plan, the active period of the first plan comprises a start and end date set by the user, and wherein the adjustment comprises reducing the allocated capacity units by a first amount on the first plan and increasing allocated capacity units by a second amount of a second plan of the plurality of other plans.