Dynamic modeling and scoring risk assessment
First Claim
1. A system for determining compliance with a regimen, comprising:
- a client device associated with each individual of a group, the client device configured for acquiring a first set of data from each individual of the group and a second set of data from each individual of the group, said client device including a display, an input device for receiving information, an output device configured to alert an individual that information is requested from the individual and a data port, the second set of data being acquired after a time period has elapsed after acquisition of the first set of data;
a medical measurement device coupled to said data port of said client device, the medical measurement device configured for obtaining measurement data from each individual of the group, the medical measurement device including at least one of a blood glucose meter, blood pressure monitor and medication dispensing device, the client device configured for receiving the measurement data and for integrating said measurement data within said first set of data and said second set of data; and
a server device, the server device operably connected to the client device associated with each individual of a group via a communication pathway, the server device configured for analyzing the first set of data and the second set of data to assess a change for the group by comparing the second set of data to the first set of data after performing a regimen, said regimen including a prescribed diet, exercise and medication, wherein an award is distributed to the group based upon the change.
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Accused Products
Abstract
The invention provides for modeling and scoring risk-assessment and a set of insurance products derived therefrom. Risk indicators are determined at a selected time. A population is assessed at that time and afterward for those risk indicators and for consequences associated therewith. Population members are coupled to client devices for determining risk indicators and consequences. A server receives data from each client, and in response thereto and in conjunction with an expert operator, (1) reassesses weights assigned to the risk indicators, (2) determines new risk indicators, (3) determines new measures for determining risk indicators and consequences, and (4) presents treatment options to each population member. The server determines, in response to the data from each client, and possibly other data, a measure of risk for each indicated consequence or for a set of such consequences. The server provides this measure with regard to each population member, or with regard to population subsets. The expert operator uses this measure to determine either (1) an individual course of treatment, (2) a resource utilization review model, (3) a risk-assessment model, or (4) an insurance pricing model, for each individual population member or for selected population subsets. Information requested by the client, information determined and presented by the server, and responsive measurements, are adapted dynamically to changing population aspects or changing population membership, or of an external environment having relevance to the population.
394 Citations
10 Claims
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1. A system for determining compliance with a regimen, comprising:
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a client device associated with each individual of a group, the client device configured for acquiring a first set of data from each individual of the group and a second set of data from each individual of the group, said client device including a display, an input device for receiving information, an output device configured to alert an individual that information is requested from the individual and a data port, the second set of data being acquired after a time period has elapsed after acquisition of the first set of data; a medical measurement device coupled to said data port of said client device, the medical measurement device configured for obtaining measurement data from each individual of the group, the medical measurement device including at least one of a blood glucose meter, blood pressure monitor and medication dispensing device, the client device configured for receiving the measurement data and for integrating said measurement data within said first set of data and said second set of data; and a server device, the server device operably connected to the client device associated with each individual of a group via a communication pathway, the server device configured for analyzing the first set of data and the second set of data to assess a change for the group by comparing the second set of data to the first set of data after performing a regimen, said regimen including a prescribed diet, exercise and medication, wherein an award is distributed to the group based upon the change. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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Specification