Patent Issued for Systems and methods for analyzing captured biometric data (USPTO 11587648): State Farm Mutual Automobile Insurance Company

2023 MAR 10 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- State Farm Mutual Automobile Insurance Company (Bloomington, Illinois, United States) has been issued patent number 11587648, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Aviles, Mike (Bloomington, IL, US), Garavaglia, Jeremy (Mesa, AZ, US), Larson, John (Normal, IL, US), Mudunuri, Achyutha Srinivas (Gilbert, AZ, US), Pharr, Jovonni Lee (Mableton, GA, US), Taylor, Wallace (Tempe, AZ, US), White, Nolan (Chandler, AZ, US), Wilson, Kip (Cave Creek, AZ, US).

This patent was filed on November 17, 2020 and was published online on February 21, 2023.

From the background information supplied by the inventors, news correspondents obtained the following quote: “Biometric data is currently captured by a large variety of devices, such as, for example, wearable electronic devices (e.g., fitness bands), smartphones, various home based devices (e.g., smart refrigerators and smart scales), and vehicle based devices. However, at present, such data is not typically collected at a central location, such as a central database server, for evaluation and analysis.

“In addition, in the insurance industry, it is common to assess a user’s mortality risk for the purpose of providing an insurance policy (e.g., a health insurance policy) to the user. Typically, such insurance policies are provided based upon the results of one or more medical examinations, such as, for example, data obtained from various physical examinations, blood tests, and the like. This data, which may be referred to as “medical data,” may be evaluated, and a risk, such as a mortality risk, associated with a user being examined may be determined.

“The mortality risk may, in turn, be used to underwrite an insurance policy, such as, for example, a life insurance policy. Specifically, a mortality risk may affect a life insurance premium. For instance, as a user’s risk of mortality increases, the dollar amount associated with the premium may increase, and as the user’s risk of mortality decreases, the dollar amount associated with the premium may decrease.

“However, many such systems may only collect medical data at a single point in time, such as at the time the policy is established. In addition, many conventional life insurance policies may be underwritten for a long term, such as, for example, for a term of ten, twenty, or even thirty years. During this time, a premium may not be updated or revised based upon changes in the user’s mortality risk. For example, although a user’s medical examinations may indicate that the user is in good health at the inception of the policy, over time, the user may develop certain unhealthy habits, which may contribute to a deterioration or reduction in the overall health of the user.

“Thus, many conventional life insurance policies are not based upon the wealth of biometric data available from the large number of electronic devices currently collecting such data. In addition, many conventional life insurance policies may require that a user undergo one or more potentially unpleasant medical examinations. Further still, many conventional life insurance policies are not updated based upon the user’s lifestyle and/or variations in the user’s overall health.”

Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “The present embodiments may relate to systems and methods for analyzing captured biometric data. In one aspect, a computer system for analyzing biometric data of a user collected from a plurality of user devices and used to generate an insurance policy for the user is provided. In some exemplary embodiments, the computer system includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) receiving, from a wearable electronic user device, biometric data associated with a user; (ii) analyzing, based upon a plurality of rules, the biometric data; (iii) determining a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieving terms and conditions for an insurance policy from a database based upon the health score; and (v) generating, based upon the determining, an insurance policy for the user based upon the terms and conditions.

“In another aspect, at least one tangible, non-transitory, computer readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to: (i) receive, from a wearable electronic user device, biometric data associated with a user; (ii) analyze, based upon a plurality of rules, the biometric data; (iii) determine a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieve terms and conditions for an insurance policy from a database based upon the health score; and (v) generate, based upon the determining, an insurance policy for the user based upon the terms and conditions.

“In yet another aspect, a method computer system for analyzing biometric data of a user collected from a plurality of user devices and used to generate an insurance policy for the user is provided. The method includes (i) receiving, from a wearable electronic user device, biometric data associated with a user; (ii) analyzing, based upon a plurality of rules, the biometric data; (iii) determining a health score associated with the user, based in part upon the analysis of the biometric data, wherein the health score represents a likelihood that the user will maintain a level of health for a predefined period of time; (iv) retrieving terms and conditions for an insurance policy from a database based upon the health score; and (v) generating, based upon the determining, an insurance policy for the user based upon the terms and conditions.

“In yet another aspect, a computer system for analyzing biometric data of a user collected from a plurality of user devices and used to generate an insurance policy for the user is provided. In some exemplary embodiments, the computer system includes a processor and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations including: (i) generating a life insurance policy for a user based upon an initial set of biometric data; (ii) receiving, from the wearable electronic device, updated biometric data associated with the user; (iii) analyzing, based upon a plurality of rules, the updated biometric data; (iv) determining, based in part upon the analysis of the updated biometric data, an updated health score associated with the user, wherein the updated health score represents an updated likelihood that the user will maintain a level of health for a predefined period of time; (v) retrieving, based upon the determining, updated terms and conditions for an insurance policy from a database based upon the updated health score; and (vi) updating, based upon the determining, the life insurance policy for the user.

“Advantages will become more apparent to those skilled in the art from the following description of the preferred embodiments which have been shown and described by way of illustration. As will be realized, the present embodiments may be capable of other and different embodiments, and their details are capable of modification in various respects. For example, and as described herein, the data capture and analysis processes described herein may include functionality that permits a user to “opt in” and/or “opt out” of these processes, such that the user’s privacy is preserved. Accordingly, the drawings and description are to be regarded as illustrative in nature and not as restrictive.”

The claims supplied by the inventors are:

“1. A computer system for determining a health score and generating an insurance policy for a user, the computer system comprising: a processor; and a non-transitory, tangible, computer-readable storage medium having instructions stored thereon that, in response to execution by the processor, cause the processor to perform operations comprising: receiving first user data from a smart infrastructure comprising at least one smart device, wherein the first user data includes first lifestyle data associated with a user over a first time period; receiving second user data from the smart infrastructure, wherein the second user data includes second lifestyle data associated with the user over a second time period; analyzing the first user data and the second user data to assess a current level of health of the user; determining a health score based at least in part upon the analysis of the first user data and the second user data, wherein the health score represents a likelihood that the user will maintain the current level of health for a period of time corresponding to a term of a life insurance policy; selecting, based upon the health score, a set of terms and conditions from a plurality of sets of terms and conditions stored in a database, wherein the set of terms and conditions includes the period of time corresponding to the term; and generating, based upon the health score and the set of terms and conditions, an insurance policy associated with the current level of health of the user, wherein the insurance policy is based upon the period of time during which the health score represents the likelihood that the user will maintain the current level of health.

“2. The computer system of claim 1, wherein the processor is further configured to perform operations comprising: receiving, from a wearable electronic device, biometric data associated with the user; analyzing the first user data and the second user data associated with the user, at least one of the first user data or the second user data including the biometric data, to assess the current level of health of the user; determining the health score based at least in part upon the analysis of the biometric data; and generating, based upon the health score, the insurance policy.

“3. The computer system of claim 2, wherein the biometric data includes at least one of skin temperature data, heart rate data, body mass index data, resting heart rate data, exercise intensity data, calories burned data, sleep duration data, REM sleep duration data, electrocardiogram data, VO2 max data, steps data, floors climbed data, blood pressure data, blood oxygen content data, weight data, and height data.

“4. The computer system of claim 1, wherein the processor is further configured to perform operations comprising: receiving, from a home based device, home data associated with the user wherein the home data includes at least one of environmental air quality data, home temperature data, ultraviolet radiation exposure data, carbon dioxide data, and carbon monoxide data; analyzing the first user data and the second user data associated with the user, at least one of the first user data or the second user data including the home data, to assess the current level of health of the user; and determining the health score based at least in part upon the analysis of the home data.

“5. The computer system of claim 1, wherein the processor is further configured to perform operations comprising: receiving, from a vehicle based device, vehicle data associated with the user, wherein the vehicle data includes at least one of vehicle safety rating data and driving behavior data; analyzing the first user data and the second user data associated with the user, at least one of the first user data or the second user data including the vehicle data, to assess the current level of health of the user; and determining the health score based at least in part upon the analysis of the vehicle data.

“6. The computer system of claim 1, wherein the processor is further configured to perform operations comprising: receiving personal data associated with the user; analyzing the first user data and the second user data associated with the user, at least one of the first user data or the second user data including the personal data, to assess the current level of health of the user; and determining the health score based at least in part upon the analysis of the personal data.

“7. The computer system of claim 1, wherein the processor is further configured to perform operations comprising: analyzing the first user data and the second user data associated with the user to assess the current level of health of the user by applying a plurality of rules; determining the health score, wherein the health score represents improvements or deteriorations to an overall health of the user based upon the analysis; and retrieving, based upon the health score, terms and conditions for the insurance policy from a database, wherein the terms and conditions stored in the database are linked to a respective health score, and wherein the retrieved terms and conditions include the term of the insurance policy and an insurance premium proportional to the determined health score.

“8. At least one tangible, non-transitory, computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to: receive first user data from a smart infrastructure comprising at least one smart device, wherein the first user data includes first lifestyle data associated with a user over a first time period; receive second user data from the smart infrastructure, wherein the second user data includes second lifestyle data associated with the user over a second time period; analyze the first user data and the second user data to assess a current level of health of the user; determine a health score based at least in part upon the analysis of the first user data and the second user data, wherein the health score represents a likelihood that the user will maintain the current level of health for a period of time corresponding to a term of a life insurance policy; selecting, based upon the health score, a set of terms and conditions from a plurality of sets of terms and conditions stored in a database, wherein the set of terms and conditions includes the period of time corresponding to the term; and generate, based upon the health score and the set of terms and conditions, an insurance policy associated with the current level of health of the user, wherein the insurance policy is based upon the period of time during which the health score represents the likelihood that the user will maintain the current level of health.

“9. The computer-readable storage media of claim 8, wherein the computer-executable instructions further cause the processor to: receive, from a wearable electronic device, biometric data associated with the user; analyze the first user data and the second user data associated with the user, at least one of the first user data or the second user data including the biometric data, to assess the current level of health of the user; determine the health score based at least in part upon the analysis of the biometric data; and generate, based upon the health score, the insurance policy.

“10. The computer-readable storage media of claim 9, wherein the biometric data includes at least one of skin temperature data, heart rate data, body mass index data, resting heart rate data, exercise intensity data, calories burned data, sleep duration data, REM sleep duration data, electrocardiogram data, VO2 max data, steps data, floors climbed data, blood pressure data, blood oxygen content data, weight data, and height data.

“11. The computer-readable storage media of claim 8, wherein the computer-executable instructions further cause the processor to: receive, from a home based device, home data associated with the user wherein the home data includes at least one of environmental air quality data, home temperature data, ultraviolet radiation exposure data, carbon dioxide data, and carbon monoxide data; analyze the first user data and the second user data associated with the user, at least one of the first user data or the second user data including the home data, to assess the current level of health of the user; and determine the health score based at least in part upon the analysis of the home data.

“12. The computer-readable storage media of claim 8, wherein the computer-executable instructions further cause the processor to: receive, from a vehicle based device, vehicle data associated with the user, wherein the vehicle data includes at least one of vehicle safety rating data and driving behavior data; analyze the first user data and the second user data associated with the user, at least one of the first user data or the second user data including the vehicle data, to assess the current level of health of the user; and determine the health score based at least in part upon the analysis of the vehicle data.”

There are additional claims. Please visit full patent to read further.

For the URL and additional information on this patent, see: Aviles, Mike. Systems and methods for analyzing captured biometric data. U.S. Patent Number 11587648, filed November 17, 2020, and published online on February 21, 2023. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11587648)&db=USPAT&type=ids

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