Sensor systems and methods for sensor-based activity evaluation

• US 10,410,293 B2
• Filed: 11/14/2018
• Issued: 09/10/2019
• Est. Priority Date: 02/02/2007
• Status: Active Grant

• Current Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Original Assignee: Hartford Fire Insurance Company (The Hartford Financial Services Group, Inc.)
• Inventors: Amigo, Andrew J., Gingrave, Michael
• Primary Examiner(s): King, Curtis J
• Application Number:
  US16/190,851
• Publication Number:
  US 20190080417A1
• Time in Patent Office: 300 Days
• Field of Search: None
• CPC Class Codes: A61B 2503/20 Workers
• CPC Class Codes: A61B 5/1038 Measuring plantar pressure during gait
• CPC Class Codes: A61B 5/1112 Global tracking of patients, e.g. by using GPS
• CPC Class Codes: A61B 5/1115 Monitoring leaving of a patient support, e.g. a bed or a wheelchair
• CPC Class Codes: A61B 5/1118 Determining activity level
• CPC Class Codes: A61B 5/112 Gait analysis
• CPC Class Codes: A61B 5/1121 Determining geometric values, e.g. centre of rotation or angular range of movement
• CPC Class Codes: A61B 5/1123 Discriminating type of movement, e.g. walking or running A61B5/1116, A61B5/112 take precedence
• CPC Class Codes: A61B 5/6804 Garments; Clothes
• CPC Class Codes: A61B 5/6807 Footwear
• CPC Class Codes: G06Q 10/105 Human resources
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 50/30 for calculating health indices; for individual health risk assessment

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. In embodiments, an alert may be generated when a failure to conform with activity guidelines is detected.

Claims

1. An activity evaluation system comprising:

a communications device configured to receive (1) sensor data based on at least one sensor configured to monitor activity of an individual associated with and distinct from a covered entity, and (2) an activity evaluation for the individual; and

a computer hardware server, operated by a risk management entity and in communication with the communications device, configured to 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 desired activity by the individual;

wherein the computer hardware server is further configured to;

determine, based on the sensor data, whether the individual has conformed with activity guidelines applicable to the individual; and

responsive to a negative determination that the individual has conformed with the activity guidelines, transmit an alert to a computing device of the covered entity.

2. The system of claim 1, wherein the computer hardware server is further configured to:

generate, based at least in part on the activity evaluation, data indicative of a risk management recommendation comprising a loss-control recommendation for one or both of the covered entity and a healthcare provider; and

output, by a communications system, an electronic communication having the data indicative of the risk management recommendation to one or both of the covered entity and the healthcare provider.

3. The system of claim 1, wherein the computer hardware server being configured to transmit the alert to the covered entity comprises the computer hardware server being configured to transmit the alert to one or more of a local computer, an audio buzzer at a workplace configured to output an audio signal responsive to receipt of the alert, a flashing light at the workplace configured to flash responsive to receipt of the alert, and a vibrating device worn by an employee configured to vibrate responsive to receipt of the alert.

4. The system of claim 1, wherein the sensor data comprises one or both of raw sensor data directly from the at least one sensor configured to monitor activity of the individual and preprocessed sensor data based on the raw sensor data from the at least one sensor.

5. The system of claim 1, wherein the sensor data comprises preprocessed sensor data including data indicative of one or more of body movement, body orientation, frequency of movement, duration of movement, movement distance, and calories expended, calculated based upon raw sensor data.

6. The system of claim 1, wherein the at least one sensor comprises one of a sensor worn by the individual, a sensor on a piece of equipment, a gyroscopic sensor, an accelerometer, a motion sensor, a pressure sensor, a chemical sensor, and a GPS sensor.

7. The system of claim 1, wherein the at least one sensor comprises a three-axis accelerometer, and wherein the computer hardware server is further configured to:

calculate a frequency of movement based on a series of the sensor data received from the three-axis accelerometer; and

calculate a duration of movement based on a weighted average of movements over time identified in the series of the sensor data;

wherein the computer hardware server is configured to adjust the data corresponding to the parameter of the risk management policy based upon the calculated frequency of movement and the calculated duration of movement.

8. The system of claim 1, wherein the individual associated with and distinct from the covered entity comprises an employee of the covered entity;

wherein the sensor data comprises one or more of RFID scanner data, GPS data, and photo recognition data corresponding to the employee;

wherein the activity guidelines comprise workplace safety guidelines at a workplace of the covered entity; and

wherein determining whether the individual has conformed with the activity guidelines comprises determining a number of times the employee has accessed hazardous areas at the workplace.

9. A method for evaluating activity of an individual associated with and distinct from a covered entity, comprising:

receiving by a hardware server, the hardware server comprising at least one processor, (1) sensor data based on at least one sensor monitoring activity of the individual associated with and distinct from the covered entity, and (2) an activity evaluation for the individual;

adjusting, by the hardware server, data corresponding to a risk management policy covering the covered entity based on the sensor data and the activity evaluation, the adjusting comprising adjusting data corresponding to at least one parameter so as to provide an adjustment favorable to the covered entity responsive to the activity evaluation being indicative of desired activity by the individual;

determining, based on the sensor data, whether the individual has conformed with activity guidelines applicable to the individual; and

responsive to a negative determination that the individual has conformed with the activity guidelines, transmit an alert to a computing device of the covered entity.

10. The method of claim 9, further comprising:

generating, by the hardware server, based at least in part on the activity evaluation, data indicative of a risk management recommendation comprising a loss-control recommendation to one or both of the covered entity and a healthcare provider; and

outputting, by an output device, the data indicative of the risk management recommendation to one or both of the covered entity and the healthcare provider.

11. The method of claim 10, wherein the loss-control recommendation comprises one or more of a patient intake decision for the individual, an initial diagnosis for the individual, care instructions for the individual, a patient progress determination for the individual, a determination of sufficient activity for the individual, and a determination of activity conformance for the individual.

12. The method of claim 9, wherein the individual associated with and distinct from the covered entity comprises a patient at a health care facility;

wherein the activity guidelines comprise prescribed motion for the patient;

wherein determining whether the individual has conformed with the activity guidelines comprises determining, by the hardware server based on the sensor data, whether the prescribed motion for the patient has been performed; and

wherein transmitting the alert to the covered entity comprises, responsive to a negative determination that the prescribed motion for the patient has been performed, transmitting the alert to a user terminal at the health care facility.

13. The method of claim 12, wherein the sensor data comprises data indicative of one or more of horizontal body positions, vertical body positions, turning of a body, twisting of a body, sitting postures, and standing postures calculated based upon raw sensor data.

14. The method of claim 9, wherein the individual associated with and distinct from the covered entity comprises an employee of the covered entity returning from an injury;

wherein the activity guidelines comprise a recovery plan prescribed for the employee;

wherein determining whether the individual has conformed with the activity guidelines comprises determining, by the hardware server based on the sensor data, whether the employee has conformed with the recovery plan prescribed for the employee; and

wherein transmitting the alert to the covered entity comprises, responsive to a negative determination that the employee has conformed with the recovery plan, transmitting the alert to a local computer at the covered entity.

15. The method of claim 9, wherein the individual associated with and distinct from the covered entity comprises an employee of the covered entity;

wherein the activity guidelines comprise workplace safety guidelines at a workplace of the covered entity;

wherein determining whether the individual has conformed with the activity guidelines comprises determining, by the hardware server based on the sensor data, whether the employee has conformed with the workplace safety guidelines at the workplace of the covered entity; and

wherein transmitting the alert to the covered entity comprises, responsive to a negative determination that the employee has conformed with the workplace safety guidelines, transmitting the alert to one of more of a local computer at the workplace of the covered entity, an audio buzzer at the workplace configured to output an audio signal responsive to receipt of the alert, a flashing light at the workplace configured to flash responsive to receipt of the alert, and a vibrating device worn by the employee configured to vibrate responsive to receipt of the alert.

16. The method of claim 9, wherein adjusting, by the hardware server, the data corresponding to the at least one parameter of the risk management policy covering the covered entity is further based on demographic data about the individual comprising one or more of height data, age data, weight data, and stride length data corresponding to the individual;

and

wherein the hardware server being configured to transmit the alert to the covered entity comprises the hardware server being configured to transmit the alert to one or more of a local computer, an audio buzzer at a workplace configured to output an audio signal responsive to receipt of the alert, a flashing light at the workplace configured to flash responsive to receipt of the alert, and a vibrating device worn by an employee configured to vibrate responsive to receipt of the alert.