DYNAMIC MODELING AND SCORING RISK ASSESSMENT

• US 20080046268A1
• Filed: 08/08/2007
• Published: 02/21/2008
• Est. Priority Date: 09/25/1998
• Status: Active Grant

• Current Assignee: Stephen Brown
• Original Assignee: Stephen Brown
• Inventors: Brown, Stephen
• Granted Patent: US 8,005,690 B2
• Time in Patent Office: Days
• US Class Current: 705/1
• CPC Class Codes: G06Q 10/067 Enterprise or organisation modelling
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G16H 70/20 relating to practices or guidelines

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.

Claims

1. A method for determining compliance with a regimen for a group including at least one individual, comprising:

acquiring a first set of data from each individual of the group regarding health information;

determining a regimen for the group to improve the first set of data;

acquiring a second set of data from each individual of the group regarding health information; and

assessing a change for the group by comparing the second set of data to the first set of data, wherein an award is distributed to the group based upon the change.

2. The method as claimed in claim 1, wherein the first set of data from each individual of the group is acquired by use of a client device.

3. The method as claimed in claim 2, wherein the step of acquiring the first set of data from the group further comprises prompting each individual to enter the first set of data into the client device.

4. The method as claimed in claim 2, further comprising establishing a communication pathway between the client device and a server device for analyzing the first set of data and the second set of data.

5. The method as claimed in claim 4, wherein the communication pathway is at least one of an internet connection, an intranet connection, a local area network, a telephone connection, a wireless connection, a cable connection, a satellite connection, a router connection, an Ethernet connection, a serial connection, a USB connection, a firewire connection, a microwave connection and a cellular connection.

6. The method as claimed in claim 1, said regimen includes a prescribed diet, exercise and medication.

7. The method as claimed in claim 1, wherein the award is distributed to the group for improvement in a measure of a health condition.

8. The method as claimed in claim 7, wherein the award is at least one of a reduction in an insurance premium, a pecuniary benefit, an expansion of insurance coverage, a bonus, an incentive, and a continuance of insurance coverage.

9. A system for determining compliance with a regimen, comprising:

a client device, for acquiring a first set of data from each individual of a group and a second set of data from each individual of the group,

a server device, operably connected to the client device via a communication pathway, 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, wherein an award is distributed to the group based upon the change.

10. The system as claimed in claim 9, wherein the client device prompts each individual of the group to enter the first set of data and the second set of data into the client device.

11. The system as claimed in claim 9, wherein said client device includes an input device.

12. The system as claimed in claim 11, wherein said input device comprises a data port.

13. The system as claimed in claim 9, wherein the communication pathway is established between the client device and the server device by at least one of an internet connection, an intranet connection, a local area network, a telephone connection, a wireless connection, a cable connection, a satellite connection, a router connection, an Ethernet connection, a serial connection, a USB connection, a firewire connection, a microwave connection and a cellular connection.

14. The system as claimed in claim 9, wherein the award is distributed to the group for improvement in a measure of a health condition.

15. The system as claimed in claim 9, wherein the award is at least one of a reduction in an insurance premium, a pecuniary benefit, an expansion of insurance coverage, a bonus, an incentive, and a continuance of insurance coverage.

16. The system as claimed in claim 9, said regimen includes a prescribed diet, exercise and medication.

17. A system for determining compliance with a regimen for a group including at least one individual, comprising:

means for acquiring a first set of data from each individual of the group regarding health information;

means for determining a regimen for the group to improve the first set of data;

means for acquiring a second set of data from each individual of the group regarding health information; and

means for assessing a change for the group by comparing the second set of data to the first set of data, wherein an award is distributed to the group based upon the change.

18. The system as claimed in claim 17, wherein said means for acquiring a first set of data includes means for prompting each individual to enter the first set of data into the client device.

19. The system as claimed in claim 17, wherein the award is distributed to the group for improvement in a measure of a health condition.

20. The system as claimed in claim 17, wherein the award is at least one of a reduction in an insurance premium, a pecuniary benefit, an expansion of insurance coverage, a bonus, an incentive, and a continuance of insurance coverage.