Sensor systems and methods for activity evaluation
First Claim
1. An activity evaluation system, comprising:
- a communications device configured to receive remote sensor data based on at least one sensor proximate to an individual associated with and distinct from a covered entity;
a data storage device storing at least one activity guideline associated with the individual;
a computer hardware server, in communication with the communications device and the data storage device, and operated by a risk management entity remote from the at least one sensor, configured to;
analyze the received sensor data to determine activity characteristics of the individual;
output an activity evaluation based on the activity characteristics and the at least one stored activity guideline;
adjust data corresponding to a parameter of a risk management policy covering the covered entity based on the sensor data and the activity evaluation, wherein the computer hardware server is configured to adjust the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of conformance by the individual with the at least one activity guideline; and
responsive to the activity evaluation being indicative of non-conformance by the individual with the at least one activity guideline, transmit an alert to a computing device of the covered entity.
1 Assignment
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Accused Products
Abstract
Systems and methods are discussed for providing sensor enhanced safety, recovery, and activity evaluation systems. Sensors that monitor user activity and behavior are worn by a user and/or placed in the user environment. Data from the sensors are processed to obtain a safety, recovery, and/or activity evaluation. Based on the evaluation, recommendations or adjustments to the terms of an insurance policy covering the user, the user'"'"'s employer, or a facility providing health care to the user, aer generated, to accurately reflect the risks associated with the user, employer, and/or facility. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected.
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Citations
16 Claims
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1. An activity evaluation system, comprising:
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a communications device configured to receive remote sensor data based on at least one sensor proximate to an individual associated with and distinct from a covered entity; a data storage device storing at least one activity guideline associated with the individual; a computer hardware server, in communication with the communications device and the data storage device, and operated by a risk management entity remote from the at least one sensor, configured to; analyze the received sensor data to determine activity characteristics of the individual; output an activity evaluation based on the activity characteristics and the at least one stored activity guideline; adjust data corresponding to a parameter of a risk management policy covering the covered entity based on the sensor data and the activity evaluation, wherein the computer hardware server is configured to adjust the data corresponding to the parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of conformance by the individual with the at least one activity guideline; and responsive to the activity evaluation being indicative of non-conformance by the individual with the at least one activity guideline, transmit an alert to a computing device of the covered entity. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 15)
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11. A computer-implemented method for activity evaluation, comprising:
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receiving, by a communications device, remote sensor data based on at least one sensor proximate to an individual associated with and distinct from a covered entity; analyzing, by a computer hardware server, in communication with the communications device and the data storage device, and operated by a risk management entity remote from the at least one sensor, the received sensor data to determine activity characteristics of the individual; and outputting, by the computer hardware server, an activity evaluation based on the activity characteristics and at least one stored activity guideline associated with the individual stored in a data storage device in communication with the computer hardware server; responsive to the activity evaluation being indicative of conformance with the at least one activity guideline by the individual, adjusting, by the computer hardware server, data corresponding to a parameter of a risk management policy so as to provide an adjustment favorable to the covered entity; and responsive to the activity evaluation being indicative of non-conformance with the at least one activity guideline by the individual, transmitting, by the computer hardware server, an alert to a computing device of the covered entity. - View Dependent Claims (12, 13, 14, 16)
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Specification