Patent Issued for Systems and methods for analyzing captured biometric data (USPTO 11869637): State Farm Mutual Automobile Insurance Company

2024 JAN 26 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- A patent by the inventors 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), filed on January 24, 2023, was published online on January 9, 2024, according to news reporting originating from Alexandria, Virginia, by NewsRx correspondents.

Patent number 11869637 is assigned to State Farm Mutual Automobile Insurance Company (Bloomington, Illinois, United States).

The following quote was obtained by the news editors from the background information supplied by the inventors: “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.”

In addition to the background information obtained for this patent, NewsRx journalists 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 comprising: at least one memory with instructions stored thereon; and at least one processor in communication with the at least one memory, wherein the instructions, when executed by the at least one processor, cause the at least one processor to: store a policy associated with a user in the at least one memory, wherein the policy comprises a term and is associated with user data indicating a likelihood that the user will maintain a level of health for the term; receive updated user data associated with the user from a smart network in communication with at least one electronic device associated with the user; determine a health score associated with the user based on the updated user data, wherein the health score is associated with an updated likelihood that the user will maintain the level of health for a period of time corresponding to the term of the policy; and update at least one parameter of the policy based on the updated likelihood that the user will maintain the level of health for the period of time corresponding to the term of the policy.

“2. The computer system of claim 1, wherein the instructions further cause the at least one processor to store the updated user data in the at least one memory as one or more data strings associated with a user identifier (UID) of the user.

“3. The computer system of claim 2, wherein the instructions further cause the at least one processor to translate the user data received from the smart network to an updated format for storage in the at least one memory, wherein the updated format comprises the one or more data strings associated with the UID.

“4. The computer system of claim 1, wherein the updated user data comprises biometric data, and wherein the biometric data comprises 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, or height data.

“5. The computer system of claim 1, wherein the updated user data comprises home data, and wherein the home data comprises at least one of environmental air quality data, home temperature data, ultraviolet radiation exposure data, carbon dioxide data, or carbon monoxide data.

“6. The computer system of claim 1, wherein the updated user data comprises vehicle data, and wherein the vehicle data comprises at least one of vehicle safety rating data or driving behavior data.

“7. The computer system of claim 1, wherein the at least one electronic device comprises at least one of a home-based device, a vehicle-based device, a wearable device, or a mobile communications device.

“8. The computer system of claim 1, wherein the at least one electronic device comprises a mobile electronic device, and wherein the instructions further cause the at least one processor to: receive a consent to obtain personal data from the mobile electronic device; and receive and analyze the personal data, wherein the personal data comprises at least one of social networking data, one or more user profiles associated with the user, shopping preferences, or historical online activities.

“9. The computer system of claim 1, wherein the instructions further cause the at least one processor to generate the policy associated with the user, wherein the user data is received from the smart network.

“10. At least one non-transitory computer-readable storage medium with instructions stored thereon that, in response to execution by at least one processor, cause the at least one processor to: store a policy associated with a user in the at least one storage medium, wherein the policy comprises a term and is associated with user data indicating a likelihood that the user will maintain a level of health for the term; receive updated user data associated with the user from a smart network in communication with at least one electronic device associated with the user; determine a health score associated with the user based on the updated user data, wherein the health score is associated with an updated likelihood that the user will maintain the level of health for a period of time corresponding to the term of the policy; and update at least one parameter of the policy based on the updated likelihood that the user will maintain the level of health for the period of time corresponding to the term of the policy.

“11. The at least one non-transitory computer-readable storage medium of claim 10, wherein the instructions further cause the at least one processor to store the updated user data in the at least one storage medium as one or more data strings associated with a user identifier (UID) of the user.

“12. The at least one non-transitory computer-readable storage medium of claim 11, wherein the instructions further cause the at least one processor to translate the user data received from the smart network to an updated format for storage in the at least one storage medium, wherein the updated format comprises the one or more data strings associated with the UID.

“13. The at least one non-transitory computer-readable storage medium of claim 10, wherein the updated user data comprises biometric data, and wherein the biometric data comprises 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, or height data.

“14. The at least one non-transitory computer-readable storage medium of claim 10, wherein the updated user data comprises home data, and wherein the home data comprises at least one of environmental air quality data, home temperature data, ultraviolet radiation exposure data, carbon dioxide data, or carbon monoxide data.

“15. The at least one non-transitory computer-readable storage medium of claim 10, wherein the updated user data comprises vehicle data, and wherein the vehicle data comprises at least one of vehicle safety rating data or driving behavior data.

“16. The at least one non-transitory computer-readable storage medium of claim 10, wherein the at least one electronic device comprises at least one of a home-based device, a vehicle-based device, a wearable device, or a mobile communications device.

“17. The at least one non-transitory computer-readable storage medium of claim 10, wherein the at least one electronic device comprises a mobile electronic device, and wherein the instructions further cause the at least one processor to: receive a consent to obtain personal data from the mobile electronic device; and receive and analyze the personal data, wherein the personal data comprises at least one of social networking data, one or more user profiles associated with the user, shopping preferences, or historical online activities.

“18. The at least one non-transitory computer-readable storage medium of claim 10, wherein the instructions further cause the at least one processor to generate the policy associated with the user, wherein the user data is received from the smart network.

“19. A method for updating policies implemented by at least one processor in communication with at least one memory, the method comprising: storing a policy associated with a user in the at least one memory, wherein the policy comprises a term and is associated with user data indicating a likelihood that the user will maintain a level of health for the term; receiving updated user data associated with the user from a smart network in communication with at least one electronic device associated with the user; determining a health score associated with the user based on the updated user data, wherein the health score is associated with an updated likelihood that the user will maintain the level of health for a period of time corresponding to the term of the policy; and updating at least one parameter of the policy based on the updated likelihood that the user will maintain the level of health for the period of time corresponding to the term of the policy.

“20. The method of claim 19, further comprising: translating the user data received from the smart network to an updated format for storage in the at least one memory, wherein the updated format comprises one or more data strings associated with a user identifier (UID) of the user; and storing the updated user data in the at least one memory as the one or more data strings associated with the UID.”

URL and more information on this patent, see: Aviles, Mike. Systems and methods for analyzing captured biometric data. U.S. Patent Number 11869637, filed January 24, 2023, and published online on January 9, 2024. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11869637)&db=USPAT&type=ids

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