Bioinformatic Transaction Scheme
First Claim
1. Sensor apparatus comprising:
- a sensor for determining a genetic term associated with a user;
an interface for enabling a network access to the genetic term to provide a secure transaction with the user;
wherein a bioinformatic value may be determined from the genetic term when or after the user permits access effectively to a voluntarily-selected portion of the genetic term, such accessible portion being associated or used with evaluating the user transaction, an other portion of such genetic term being not voluntarily-selected by the user and thereby inaccessible for evaluating the user transaction.
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Accused Products
Abstract
Secure network transaction system obtains user-authorized genetic term or bioinformatic profile, and transacts online service according to genetically-based user medical or other risk determined therefrom. Insurance policy, promotional offer, or other service may dynamically address genetically-based condition. Bioinformatic data classifies user per personal mask which filters subset of user genetic sequence. Risk profile may be calculated according to actuarial statistics, genetics and/or heredity using non-discriminatory rules specified for users in temporal or jurisdictional groups. User transactions are modifiable according to bioinformatic data representing genetically-based risk increase or decrease. Data is securely processed, modulated, and stored by network server for remote access and transaction using various portable user devices.
52 Citations
26 Claims
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1. Sensor apparatus comprising:
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a sensor for determining a genetic term associated with a user; an interface for enabling a network access to the genetic term to provide a secure transaction with the user; wherein a bioinformatic value may be determined from the genetic term when or after the user permits access effectively to a voluntarily-selected portion of the genetic term, such accessible portion being associated or used with evaluating the user transaction, an other portion of such genetic term being not voluntarily-selected by the user and thereby inaccessible for evaluating the user transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26)
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Specification