“Ai Insurance Server And Method For Providing Ai Insurance Service” in Patent Application Approval Process (USPTO 20230012886): Patent Application
2023 FEB 08 (NewsRx) -- By a
This patent application has not been assigned to a company or institution.
The following quote was obtained by the news editors from the background information supplied by the inventors: “In the existing insurance industry, sales and marketing of insurance products are performed by collectively setting insurance products of interest by sex and age groups, then promoting them, and providing discounts through additional elements, such as subscription channels regardless of the characteristics of the insurance user or the coverage details of the products for the sale of insurance products.
“Furthermore, the existing insurance subscription screening, i.e., underwriting, is carried out by considering demographic factors and factors causing accidents or diseases. However, these factors cannot be proven in many cases, and thus, it is inevitable to rely heavily on the notification statements of the insurance users, thereby having low credibility.
“In addition, unlike the calculation of individual risks, subscription screening is performed based on a statistical basis of the entire population, and thus, there are cases where substantive individual risks are inaccurately determined.
“Even from the perspective of the insurance companies, it is difficult to individually evaluate the insurance users, and each insurance company has difficulty in making its own differences, which makes it difficult to develop efficient marketing strategies.
“Accordingly, demands are arising for inventions to obtain individual medical judgments using artificial intelligence, and provide differentiated insurance services for each insurance company based thereon.”
In addition to the background information obtained for this patent application, NewsRx journalists also obtained the inventors’ summary information for this patent application: “Aspects of the disclosure provide an artificial intelligence insurance server that can precisely determine the individual risk of insurance users.
“Aspects of the disclosure provide a method for providing an artificial intelligence insurance service that can precisely determine the individual risk of insurance users.
“According to some aspects of the disclosure, an artificial intelligence insurance server includes a receiving unit for receiving input data including medical data of an insurance user, a comparison data selection unit for selecting comparison data based on the input data and deriving first analysis data by analyzing the comparison data, an artificial intelligence analysis unit for obtaining second analysis data derived by performing artificial intelligence analysis on the input data, a comparison unit for comparing the first and the second analysis data, and generating final analysis data using the first and the second analysis data and a decision-making unit for making at least one insurance-related decision using the final analysis data.
“According to some aspects, the receiving unit determines whether the input data is sufficient, and when the input data is sufficient, transmits a progress signal to the comparison data selection unit.
“According to some aspects, the medical data includes at least one of an X-ray, CT (Computed Tomography), a mammography image, an MRI (Magnetic Resonance Imaging) image, an ultrasound image, a pathology slide image, a tissue image, genomic data including multi-omics data, biological data, a medical report or personal health records (PHR).
“According to some aspects, the comparison data includes cohort data of the insurance user selected from the input data.
“According to some aspects, the input data includes at least one of demographic information, or information on factors causing accidents or diseases of the insurance user, and the cohort data is selected from at least one of the demographic information, or information on factors causing accidents or diseases.
“According to some aspects, the cohort data is selected as data of a combination that is similar to the combination of the input data.
“According to some aspects, the comparison data includes past data of the insurance user.
“According to some aspects, the comparison data selection unit receives diagnosis data including diagnosis result of the input data, and converts the diagnosis data to first analysis data.
“According to some aspects, the artificial intelligence analysis unit receives second analysis data for which artificial intelligence analysis is performed on the input data.
“According to some aspects, the decision-making unit makes at least one decision on insurance product recommendation, underwriting or insurance premium discount calculation if the insurance user has not subscribed to insurance, and makes at least one decision on health care, insurance benefits payout or additional insurance product recommendation if the insurance user has subscribed to insurance.
“According to some aspects, the decision-making unit makes at least one decision on insurance benefits payout, the comparison unit determines whether a first additional test is needed using the first analysis data and determines whether a second additional test is needed using the second analysis data, and the decision-making unit requests the insurance user for an additional test if at least one of the first or the second additional test is determined to be needed.
“According to some aspects, the receiving unit receives whether an additional test is carried out from the insurance user, and transmits whether the additional test is carried out to the decision-making unit, and the decision-making unit reduces insurance benefits of diagnosis for further diagnosis of the insurance user, if the second additional test is determined to be needed and the additional test is not carried out.
“According to some aspects, the receiving unit receives whether an additional test is carried out from the insurance user, and transmits whether the additional test is carried out to the decision-making unit, and the decision-making unit determines whether an early diagnosis is made if the first additional test is determined not to be needed, the second additional test is determined to be needed, and the additional test is carried out, and pays raised amount of insurance benefits if it is determined that the early diagnosis is made.
“According to some aspects, the comparison data selection unit requests comparison data from a database, and the receiving unit receives the comparison data from the database and transmits the comparison data to the comparison data selection unit.
“According to some aspects of the disclosure, a method for providing an artificial intelligence insurance service includes receiving input data including medical data of an insurance user, selecting comparison data based on the input data, obtaining first analysis data for the comparison data, obtaining second analysis data for the input data, comparison the first and the second analysis data, generating final analysis data using the first and the second analysis data, and making at least one decision using the final analysis data.
“According to some aspects, the obtaining first analysis data for the comparison data includes obtaining first analysis data by performing artificial intelligence analysis on the comparison data.
“According to some aspects, the obtaining first analysis data for the comparison data includes receiving diagnosis data of a medical staff for the comparison data, and obtaining the first analysis data by converting the diagnosis data.
“According to some aspects, the input data includes at least one of demographic information, or information on factors causing accidents or diseases of the insurance user.
“According to some aspects, the comparison data includes cohort data selected from at least one of the demographic information, or the information on factors causing accidents or diseases.
“According to some aspects, the obtaining second analysis data includes selecting a corresponding portion of the input data that corresponds to the comparison data, and obtaining the second analysis data by analyzing the corresponding portion.
“According to some aspects, the making at least one decision includes at least one of insurance product recommendation, underwriting or insurance premium discount calculation if the insurance user has not subscribed to insurance, and includes at least one of health care, insurance benefits payout or additional insurance product recommendation if the insurance user has subscribed to insurance.
“According to some aspects, the making at least one decision includes insurance benefits payout, and the insurance benefits payout includes determining whether a first additional test is needed using the first analysis data, and determining whether a second additional test is needed using the second analysis data, and requesting the insurance user for an additional test if at least one of the first or the second additional test is determined to be needed.
“According to some aspects, the insurance benefits payout includes reducing insurance benefits of diagnosis for further diagnosis of the insurance user if the second additional test is determined to be needed, and the additional test is not carried out.
“According to some aspects, the insurance benefits payout includes determining whether an early diagnosis is made, if the first additional test is determined not to be needed, the second additional test is determined to be needed, and the additional test is carried out, and paying raised amount of insurance benefits if the early diagnosis is made.
“According to some aspects of the disclosure, a method for providing an artificial intelligence insurance service includes obtaining input data including at least one medical data of an insurance user, performing artificial intelligence analysis on the medical data and providing information on at least one of underwriting, a recommended insurance product, a predicted insurance premium, or whether an additional test is needed for the insurance user based on the artificial intelligence analysis result.
“According to some aspects, the input data includes at least one of demographic information, or information on factors causing accidents or diseases of the insurance user.
“According to some aspects, the providing is providing whether an additional test is needed, and the providing whether an additional test is needed includes providing information on the additional test and information on disadvantages due to not implementing an additional test if the additional test is determined to be needed.”
The claims supplied by the inventors are:
“1. An artificial intelligence insurance server comprising: a receiving unit for receiving input data including medical data of an insurance user; a comparison data selection unit for selecting comparison data based on the input data and deriving first analysis data by analyzing the comparison data; an artificial intelligence analysis unit for obtaining second analysis data derived by performing artificial intelligence analysis on the input data; a comparison unit for comparing the first and the second analysis data, and generating final analysis data using the first and the second analysis data; and a decision-making unit for making at least one insurance-related decision using the final analysis data.
“2. (canceled)
“3. The artificial intelligence insurance server according to claim 1, wherein the medical data includes at least one of an X-ray, CT (Computed Tomography), a mammography image, an MRI (Magnetic Resonance Imaging) image, an ultrasound image, a pathology slide image, a tissue image, biological data, a medical report, a personal health record (PHR) or genomic data including multi-omics data.
“4. The artificial intelligence insurance server according to claim 1, wherein the comparison data includes cohort data of the insurance user selected from the input data, wherein the input data includes at least one of demographic information, or information on factors causing, accidents or diseases of the insurance user, and wherein the cohort data is selected based on at least one of the demographic information, or the information on factors causing accidents or diseases.
“5. (canceled)
“6. (canceled)
“7. The artificial intelligence insurance server according to claim 1, wherein the comparison data includes past data of the insurance user.
“8. The artificial intelligence insurance server according to claim 1, wherein the comparison data selection unit receives diagnosis data including diagnosis result of the input data, and converts the diagnosis data to first analysis data.
“9. (canceled)
“10. The artificial intelligence insurance server according to claim 1, wherein the decision-making unit: makes at least one decision on insurance product recommendation, underwriting or insurance premium discount calculation if the insurance user has not subscribed to insurance, and makes at least one decision on health care, insurance benefits payout or additional insurance product recommendation if the insurance user has subscribed to insurance.
“11. The artificial intelligence insurance server according to claim 1, wherein the decision-making unit makes at least one decision on insurance benefits payout, wherein the comparison unit: determines whether a first additional test is needed using the first analysis data, and determines whether a second additional test is needed using the second analysis data, and wherein the decision-making unit requests the insurance user for an additional test if at least one of the first or the second additional test is determined to be needed.
“12. The artificial intelligence insurance server according to claim 11, wherein the receiving unit receives whether an additional test is carried out from the insurance user, and transmits whether the additional test is carried out to the decision-making unit, and wherein the decision-making unit reduces insurance benefits of diagnosis for further diagnosis of the insurance user, if the second additional test is determined to be needed and the additional test is not carried out.
“13. The artificial intelligence insurance server according to claim 11, wherein the receiving unit receives whether an additional test is carried out from the insurance user, and transmits whether the additional test is carried out to the decision-making unit, and wherein the decision-making unit: determines whether an early diagnosis is made if the first additional test is determined not to be needed, the second additional test is determined to be needed, and the additional test is carried out, and pays raised amount of insurance benefits if it is determined that the early diagnosis is made.
“14. (canceled)
“15. A method for providing an artificial intelligence insurance service comprising: receiving input data including medical data of an insurance user, selecting comparison data based on the input data, obtaining first analysis data for the comparison data, obtaining second analysis data for the input data, comparing the first and the second analysis data, and generating final analysis data using the first and the second analysis data, and making at least one decision using the final analysis data.
“16. The method for providing an artificial intelligence insurance service according to claim 15, wherein the obtaining first analysis data for the comparison data includes obtaining first analysis data by performing artificial intelligence analysis on the comparison data.
“17. The method for providing an artificial intelligence insurance service according to claim 15, wherein the obtaining first analysis data for the comparison data includes: receiving diagnosis data of medical staff for the comparison data, and obtaining the first analysis data by converting the diagnosis data.
“18. The method for providing an artificial intelligence insurance service according to claim 15, wherein the input data includes at least one of demographic information, or information on factors causing accidents or diseases of the insurance user, and wherein the comparison data includes cohort data selected based on at least one of the demographic information, or the information on factors causing accidents or diseases.
“19. (canceled)
“20-24. (canceled)
“25. A method for providing an artificial intelligence insurance service comprising: obtaining input data including at least one medical data of an insurance user; performing artificial intelligence analysis on the medical data; and providing information on at least one of underwriting, recommended insurance product, predicted insurance premium, or whether an additional test is needed for the insurance user based on the artificial intelligence analysis result.
“26-27. (canceled)
“28. The method for providing an artificial intelligence insurance service according to claim 15, wherein the obtaining second analysis data includes: selecting a corresponding portion of the input data that corresponds to the comparison data, and obtaining the second analysis data by analyzing the corresponding portion.
“29. The method for providing an artificial intelligence insurance service according to claim 15, wherein the making at least one decision includes insurance benefits payout, and wherein the insurance benefits payout includes: determining whether a first additional test is needed using the first analysis data, determining whether a second additional test is needed using the second analysis data, and requesting the insurance user for an additional test if at least one of the first or the second additional test is determined to be needed.
“30. The method for providing an artificial intelligence insurance service according to claim 29, wherein the insurance benefits payout includes reducing insurance benefits of diagnosis for further diagnosis of the insurance user if the second additional test is determined to be needed, and the additional test is not carried out.
“31. The method for providing an artificial intelligence insurance service according to claim 29, wherein the insurance benefits payout includes: determining whether an early diagnosis is made, if the first additional test is determined not to be needed, the second additional test is determined to be needed, and the additional test is carried out, and paying raised amount of insurance benefits if the early diagnosis is made.
“32. The method for providing an artificial intelligence insurance service according to claim 25, wherein the input data includes at least one of demographic information, or information on factors causing accidents or diseases of the insurance user.
“33. The method for providing an artificial intelligence insurance service according to claim 25, wherein the providing includes providing whether the additional test is needed, and wherein the providing whether an additional test is needed includes providing information on the additional test and information on disadvantages due to not implementing an additional test if the additional test is determined to be needed.”
URL and more information on this patent application, see: JANG,
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