System for mobile device enabled biometric monitoring

• US 10,740,845 B2
• Filed: 12/18/2015
• Issued: 08/11/2020
• Est. Priority Date: 12/31/2009
• 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: Peak, David F., Amigo, Andrew J., Borden, Richard M., Busque, Keven J., Graham, Christopher, Walters, Eugene J.
• Primary Examiner(s): Le, Linh Giang
• Application Number:
  US14/974,876
• Publication Number:
  US 20160196391A1
• Time in Patent Office: 1,698 Days
• CPC Class Codes: G01C 21/3461 Preferred or disfavoured areas, e.g. dangerous zones, toll or emission zones, intersections, manoeuvre types, segments such as motorways, toll roads, ferries
• CPC Class Codes: G01C 21/36 Input/output arrangements for on-board computers
• CPC Class Codes: G06Q 10/067 Enterprise or organisation modelling
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/22 Social work or social welfare, e.g. community support activities or counselling services
• CPC Class Codes: G16H 10/40 for data related to laboratory analysis, e.g. patient specimen analysis
• CPC Class Codes: G16H 10/60 for patient-specific data, e.g. for electronic patient records
• CPC Class Codes: G16H 10/65 stored on portable record carriers, e.g. on smartcards, RFID tags or CD
• CPC Class Codes: G16H 40/63 for local operation
• CPC Class Codes: G16H 40/67 for remote operation

Abstract

Pursuant to some embodiments, systems, methods and devices are provided for processing including a mobile device coupled to a biometric sensor, the one mobile device including a medical monitoring application for collection of medical data for an individual from the biometric sensor. A risk assessment computer is configured to receive, from the mobile device, medical data for the individual; collect, from a data storage device storing static data corresponding to the plurality of individuals, static data corresponding to the individual; and update a medical profile corresponding to the individual based on an analysis of the medical data for the individual and the static data corresponding to the individual. The risk assessment computer periodically determines, based on the updated medical profile, a term of a policy corresponding to the individual.

Claims

1. A system for mobile device enabled biometric monitoring, comprising:

at least one mobile device coupled to a biometric sensor, the at least one mobile device including a medical monitoring application for collection of biometric data for an individual from the biometric sensor;

a data storage device storing static data corresponding to a plurality of individuals;

a biometric results monitoring computer configured to;

receive, from the at least one mobile device, the biometric data for the individual collected by the at least one mobile device;

collect, from the data storage device storing static data corresponding to the plurality of individuals, static data corresponding to the individual;

update a medical profile corresponding to the individual based on an analysis of the biometric data for the individual and the static data corresponding to the individual;

periodically determine, based on the updated medical profile, a term of a policy corresponding to the individual; and

transmit the medical monitoring application to the at least one mobile device and cause the medical monitoring application to be configured on the at least one mobile device to control the collection of medical data.

2. The system of claim 1, wherein the biometric results monitoring computer is configured to cause the medical monitoring application to be configured on the at least one mobile device according to at least one medical monitoring rule.

3. The system of claim 2, wherein the at least one medical monitoring rule defines a frequency and duration of collection of the medical data.

4. The system of claim 1, wherein the biometric sensor comprises at least one of a heart rate sensor, a blood pressure sensor, a blood glucose sensor, a pulse oximetry sensor, an EKG sensor, a holter sensor, and a weight sensor.

5. The system of claim 1, wherein the biometric results monitoring computer is further configured to validate the medical data for the individual collected by the at least one mobile device.

6. The system of claim 5, wherein the biometric results monitoring computer validates the medical data for the individual collected by the at least one mobile device based on proximity sensor data from the at least one mobile device.

7. The system of claim 5, wherein the biometric results monitoring computer validates the medical data for the individual collected by the at least one mobile device based on location data from the at least one mobile device.

8. A computer-implemented processing method for mobile device enabled biometric monitoring, comprising:

receiving, from at least one mobile device coupled to a biometric sensor, the at least one mobile device including a medical monitoring application configured to collect medical data for an individual, the medical data for the individual collected by the at least one mobile device;

collecting, from a data storage device storing static data corresponding to a plurality of individuals, static data corresponding to the individual;

updating, by a biometric results monitoring processor, a medical profile corresponding to the individual based on an analysis of the medical data for the individual and the static data corresponding to the individual;

periodically determining, by the biometric results monitoring processor based on the updated medical profile, a term of a policy corresponding to the individual;

transmitting the medical monitoring application to the at least one mobile device; and

causing the medical monitoring application to be installed on the at least one mobile device to control collection of medical data.

9. The computer-implemented method of claim 8, wherein the medical monitoring application is transmitted to the at least one mobile device by the biometric results monitoring processor.

10. The computer-implemented method of claim 9, wherein the medical monitoring application is transmitted to the at least one mobile device responsive to receipt, by the biometric results monitoring processor, of a monitoring request.

11. The computer-implemented method of claim 8, wherein the medical monitoring application is transmitted to the at least one mobile device by a mobile device application store.

12. The computer-implemented method of claim 8, wherein the medical monitoring application includes at least one medical monitoring rule.

13. The computer-implemented method of claim 12, wherein the at least one medical monitoring rule defines a frequency and duration of collection of the medical data.

14. The computer-implemented method of claim 8, wherein periodically determining the term of the policy corresponding to the individual comprises adjusting one of premium data and deductible data associated with the policy.

15. A computer-implemented processing method for mobile device enabled biometric monitoring, comprising:

receiving, from at least one mobile device coupled to a biometric sensor, the at least one mobile device including a medical monitoring application configured to collect medical data for an individual, the medical data for the individual collected by the at least one mobile device;

collecting, from a data storage device storing static data corresponding to a plurality of individuals, static data corresponding to the individual;

updating, by a biometric results monitoring processor, a medical profile corresponding to the individual based on an analysis of the medical data for the individual and the static data corresponding to the individual;

periodically determining, by the biometric results monitoring processor based on the updated medical profile, a risk category corresponding to the individual;

responsive to a change in the risk category corresponding to the individual, determining, by the biometric results monitoring processor, an updated policy parameter of a policy corresponding to the individual; and

validating, by the biometric results monitoring processor, based on proximity sensor data from the at least one mobile device, the medical data for the individual collected by the at least one mobile device.

16. The computer-implemented method of claim 15, wherein the updated policy parameter is applied to the policy corresponding to the individual immediately after determination of the change in the risk category.

17. The computer-implemented method of claim 15, wherein the updated policy parameter is applied to the policy corresponding to the individual upon renewal of the policy.

18. The computer-implemented method of claim 15, wherein the updated policy parameter comprises a policy premium for the policy.