SYSTEMS AND METHODS FOR SENSOR-ENHANCED ACTIVITY EVALUATION
First Claim
1. An activity evaluation system for use in managing an insurance-related process, comprising:
- a communications module operated by the insurance company comprising at least one processor configured to receive one or both of sensor data from at least one sensor configured to monitor activity of an individual associated with and distinct from an insured entity and an activity evaluation for the individual;
a computer processor, operated by the insurance company and in communication with the communications module, configured to;
adjust a term of an insurance policy covering the insured entity based on one or both of the sensor data and the activity evaluation, wherein the computer processor is configured to adjust the term so as to provide an adjustment favorable to the insured entity responsive to the activity evaluation being indicative of desired activity by the individual.
1 Assignment
0 Petitions
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 to accurately reflect the risks associated with the user, employer, and/or facility.
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Citations
20 Claims
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1. An activity evaluation system for use in managing an insurance-related process, comprising:
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a communications module operated by the insurance company comprising at least one processor configured to receive one or both of sensor data from at least one sensor configured to monitor activity of an individual associated with and distinct from an insured entity and an activity evaluation for the individual; a computer processor, operated by the insurance company and in communication with the communications module, configured to; adjust a term of an insurance policy covering the insured entity based on one or both of the sensor data and the activity evaluation, wherein the computer processor is configured to adjust the term so as to provide an adjustment favorable to the insured entity responsive to the activity evaluation being indicative of desired activity by the individual. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A method for evaluating activity of an individual associated with and distinct from an insured entity for use in managing an insurance-related process, comprising:
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receiving by a server, the server comprising at least one processor, activity data derived at least in part from at least one sensor monitoring activity of the individual associated with and distinct from the insured entity; and adjusting by a computer processor an insurance-related parameter associated with the insured entity based at least in part on an activity analysis based on the received activity data and demographic information about the individual, the adjusting comprising adjusting the parameter so as to provide an adjustment favorable to the insured entity responsive to the activity analysis being indicative of desired activity by the individual. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. An activity evaluation system for use in managing an insurance-related process, comprising:
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a data storage device storing demographic information about a plurality of individuals associated with and distinct from an insured entity; an activity evaluation module comprising at least one processor configured to; receive sensor data from at least one sensor configured to monitor activity of a plurality of individuals associated with and distinct from an insured entity; analyze the sensor data to determine activity characteristics of the plurality of individuals; and output an activity evaluation based on the determined activity characteristics and the demographic information about the plurality of individuals to an insurance company system for adjusting a term of an insurance policy covering the insured entity. - View Dependent Claims (20)
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Specification