Insurance processing systems and methods using mobile devices for medical monitoring
First Claim
1. An insurance system, comprising:
- a data storage device for storing, updating and providing access to data defining a plurality of medical monitoring rules;
a computer processor for executing program instructions and for retrieving said medical monitoring rule data from the data storage device;
a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor toprocess an insurance request message, said insurance request message including data identifying an insurance request from a user associated with a mobile device;
determine that said insurance request is associated with at least one medical monitoring rule;
generate an insurance monitoring request for transmission to said user associated with said mobile device, said insurance monitoring request including data identifying a medical monitoring application to be installed on said mobile device and operated to collect medical data from said user associated with said mobile device said insurance monitoring request and said medical monitoring application selected based on said at least one medical monitoring rule;
receiving information associated with said medical data collected from said mobile device operating said medical monitoring application; and
generating a response to said insurance request message based at least in part on said medical data.
1 Assignment
0 Petitions
Accused Products
Abstract
Pursuant to some embodiments, systems, methods and devices are provided for insurance processing including installing a medical monitoring application associated with a user of a mobile device, the medical monitoring application including configuration data associated with at least a first medical monitoring rule, displaying, under control of the medical monitoring application, a series of instructions to cause the mobile device to be configured to communicate with at least a first biometric sensor, collecting, based on the at least first medical monitoring rule, a set of biometric data from the at least first biometric sensor, and transmitting the set of biometric data from the mobile device to a remote processing system for processing a request for insurance.
73 Citations
27 Claims
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1. An insurance system, comprising:
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a data storage device for storing, updating and providing access to data defining a plurality of medical monitoring rules; a computer processor for executing program instructions and for retrieving said medical monitoring rule data from the data storage device; a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to process an insurance request message, said insurance request message including data identifying an insurance request from a user associated with a mobile device; determine that said insurance request is associated with at least one medical monitoring rule; generate an insurance monitoring request for transmission to said user associated with said mobile device, said insurance monitoring request including data identifying a medical monitoring application to be installed on said mobile device and operated to collect medical data from said user associated with said mobile device said insurance monitoring request and said medical monitoring application selected based on said at least one medical monitoring rule; receiving information associated with said medical data collected from said mobile device operating said medical monitoring application; and generating a response to said insurance request message based at least in part on said medical data. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for operating a mobile device, comprising:
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installing a medical monitoring application associated with a user of said mobile device, said medical monitoring application including configuration data associated with at least a first medical monitoring rule, said medical monitoring application and said configuration data generated by an insurance company in response to an insurance request by said user; displaying, under control of said medical monitoring application, a series of instructions to cause said mobile device to be configured to communicate with at least a first biometric sensor; collecting, based on said at least first medical monitoring rule, a set of biometric data from said at least first biometric sensor; and transmitting said set of biometric data from said mobile device to a remote processing system. - View Dependent Claims (8, 9, 10, 11, 12, 13, 14)
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15. A computer-implemented insurance processing method, comprising:
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receiving, by a computer system, an insurance request from a user, said insurance request including data identifying a medical condition of said user; determining that medical data associated with said user and said medical condition is required to process said insurance request; identifying, based on said medical condition, at least a first medical monitoring rule; providing, to a mobile device associated with said user, a medical monitoring application including configuration data associated with said at least first medical monitoring rule for operation on said mobile device associated with said user; receiving, from said mobile device, biometric data associated with said first medical monitoring rule; and processing, by a computer system, said insurance request based on said data identifying a medical condition, said first medical monitoring rule, and said biometric data. - View Dependent Claims (16, 17, 18, 19, 20)
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21. A portable wireless communication device, comprising:
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a touch-sensitive display screen; a communication port; a processor; a memory; and a program, wherein the program is stored in the memory and configured to be executed by the processor, the program including; instructions for presentation to a user of said device, said instructions defining a sequence of steps to configure a sensor for use with said device, the instructions established based on configuration data defined by at least a first medical monitoring rule identified in response to an insurance request by said user; instructions for collecting data from said sensor, said instructions including information specifying a schedule for said collecting and information specifying a user authentication process, the schedule for said collecting based on configuration data defined by said at least first medical monitoring rule; and instructions for transmitting said collected data and said results of said user authentication process to a remote insurance processing system using said communication port. - View Dependent Claims (22)
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23. A computer-implemented insurance processing method, comprising:
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receiving, at an insurance computer system, an insurance request associated with a policy covering a plurality of individuals, said insurance request including data identifying said plurality of individuals and an associated medical condition of said individuals; determining that medical data associated with said plurality of individuals and said associated medical condition is required to process said insurance request; identifying, based on said medical condition, at least a first medical monitoring rule; providing, to a plurality of mobile devices associated with said plurality of individuals, a medical monitoring application including configuration data associated with said at least first medical monitoring rule for operation on said plurality of mobile devices associated with said plurality of individuals; receiving, from each of said plurality of mobile devices, biometric data associated with said first medical monitoring rule collected from each of said plurality of individuals; and processing said insurance request based on said data identifying a medical condition, said first medical monitoring rule, and said biometric data. - View Dependent Claims (24, 25, 26, 27)
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Specification