Bioinformatic Transaction Scheme

• US 20100131309A1
• Filed: 01/26/2010
• Published: 05/27/2010
• Est. Priority Date: 11/06/1999
• Status: Abandoned Application

• Current Assignee: Dennis Fernandez
• Original Assignee: Dennis Fernandez
• Inventors: Fernandez, Dennis
• Application Number:
  US12/694,068
• Publication Number:
  US 20100131309A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06F 21/6245 Protecting personal data, e.g. for financial or medical purposes
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16B 20/00 ICT specially adapted for functional genomics or proteomics, e.g. genotype-phenotype associations
• CPC Class Codes: G16B 20/20 Allele or variant detection, e.g. single nucleotide polymorphism [SNP] detection
• CPC Class Codes: G16B 30/00 ICT specially adapted for sequence analysis involving nucleotides or amino acids
• CPC Class Codes: G16B 30/10 Sequence alignment; Homology search
• CPC Class Codes: G16B 50/00 ICT programming tools or database systems specially adapted for bioinformatics
• CPC Class Codes: G16H 40/67 for remote operation
• CPC Class Codes: G16H 50/20 for computer-aided diagnosis, e.g. based on medical expert systems
• CPC Class Codes: G16H 50/30 for calculating health indices; for individual health risk assessment
• CPC Class Codes: G16H 70/60 relating to pathologies

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.

Claims

1. Bioinformatic transaction system for automating multi-insurance company rate bids comprising:

a first insurance company server, such first server electronically offering a first rate bid for an individual; and

a second insurance company server, such second server electronically offering a second rate bid for the individual;

wherein the first and second servers couple to an online auction for bidding insurance rates competitively according to a bioinformatic value associated with the individual, such bioinformatic value classifying the individual automatically per a personal mask data structure which functionally filters a subset of the individual personal genetic sequence.

2. System of claim 1 wherein the bioinformatic value further classifies the individual automatically per an indexing flag data structure which functionally corresponds with one or more single nucleotide polymorphism that associates, links, maps or indicates the individual propensity for illness or disease.

3. Bioinformatic transaction method for automating multi-insurance company rate bids comprising steps:

offering electronically by a first insurance company server a first rate bid for an individual; and

offering electronically by a second insurance company server a second rate bid for the individual;

wherein the first and second servers couple to an online auction for bidding insurance rates competitively according to a bioinformatic value associated with the individual, such bioinformatic value classifying the individual automatically per a personal mask data structure which functionally filters a subset of the individual personal genetic sequence.

4. Method of claim 3 wherein the bioinformatic value further classifies the individual automatically per an indexing flag data structure which functionally corresponds with one or more single nucleotide polymorphism that associates, links, maps or indicates the individual propensity for illness or disease.