Classifications

• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; COUNTING
  • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
  • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
  • G06Q40/08—Insurance

Definitions

• Certain kinds of insurance (such as long-term care insurance) also have a
• the insured person has substantial effect on the family of the insured person.
• the insured person has substantial effect on the family of the insured person.
• the insured person has substantial effect on the family of the insured person.
• the insured person has substantial effect on the family of the insured person.
• the insured person also has interests against these options.
• One aspect of this co-pending application is that the insurer can dynami-
• one such insurance product includes
• the invention provides a set of techniques and products in which one or
• the insured persons and associated beneficiaries are coupled to a client-server system that is configured to obtain dynamic measurement of
• the client-server system is configured to alert the insured persons
• mium are allocated to one or more components (such as a long-term care benefit or a
• an insured patient is examined at intervals by
• sonnel can determine a medical regimen (possibly including diet, exercise, prescribed
• tions use a client device with a client-server system to provide dynamic medical in-
• the client device can
• the client device can periodically question the insured patient or the close relations for information about the insured, such as affect or mentation, diet or exer-
• a server device receiving that information from the client device can
• the server device can modify which portions of an insurance premium (or
• the server device can use
• Fig.lA shows a block diagram of a system for data collection and inter-
• Fig. IB shows details of the client device shown in Fig. 1A.
• Fig. 1C shows devices that may be connected to client device
• Fig. ID shows details of the data review device
• Fig. 2 illustrates a data flow diagram indicating some of the data paths
• Fig. 3A illustrates a process for determining dynamic risk assessment
• Fig. 3B illustrates a process used to evaluate patient information
• Fig. 4 illustrates a process used to respond to risk
• Fig. 5 illustrates a process used to determine feedback information.
• the invention can be implemented using general-purpose processors or special purpose
• processors operating under program control, or other circuits, adapted to particular
• the invention enables dynamic risk determination of an insured' s condi-
• determination can be used is if the insured is at risk for a medical setback (such as an
• MI Magnetic ink
• a stroke but currently is capable of self-care.
• Yet another example is when the
• the invention allows the underwriter
• Fig. 1 A shows a block diagram of a system for data collection and inter-
• a system 100 includes a client device 110, a server
• the communication channel 140 may be a simple point-to-point network
• the client device 110 is disposed locally to a patient
• the client device 110 is relatively small or compact, and can be
• the output element 112 includes a display screen 114, on which ques-
• tions and suggested answers can be displayed for the patient 111, to facilitate informa-
• the output element 112 can also include a speaker 115, to present infor-
• ment 112 can also include a bell or other sound element, or a bright light 119 or a flag,
• the input element 113 includes a plurality of buttons 116A-D for enter-
• the input element 113 can also include one or more data ports 117A-D
• 118 can include a medical measurement device, such as a blood glucose meter or a
• Such other devices 118 can also include a general purpose or
• special purpose client workstation such as a personal computer or a hand-held digital
• the server device 120 is disposed logically remotely from the patient
• remotely refers to a logical
• the database 121 includes medical history, medical regimen, and risk
• base 121 also includes the compliance background for the insured indicating how well
• the server device 120 also includes the program memory 122 that con-
• the server 120 and database 121 are prefera-
• a standard network connection such as a .world wide web con-
• the server 120 and database 121 may include single stand-alone computers
• the data review element 130 is disposed logically remotely from the pa-
• tient 111 includes an interface 131 disposed for use by an operator 132.
• erator 132 can comprise medical personnel, a device operated by medical personnel, or
• Information entered into the data review element 130 can be en-
• the data review element 130 is preferably a personal computer, remote
• the data review element 130 functions as a remote inter-
• the data review element 130 also functions to provide the professional to evaluate the progression of the insured and to monitor the insured's
• Fig. 2 illustrates a data flow diagram, indicated by general reference
• nodes include an insured 201, a client device 203, a server device 205, an accounting
• data streams transfer data between the nodes connected by the data stream.
• server device sends patient protocol and interrogatories
• the insured by sending this information across the server-client data stream 227 to the client device 203.
• the client device 203 then instructs or queries the insured 201
• the insured 201 responds to the
• the client device 203 passes this ac-
• the server device 205 stores the information acquired from the insured 201.
• Feedback is provided to the insured 201 by sending feedback informa-
• the professional 211 uses the work station 209 (passing data over both
• server device 205 This data is accessed using the server-workstation data stream 229.
• the professional 211 can also modify the medical regimen for the insured or provide
• server-client data stream 227 the client device 203, and the client device-insured data
• the professional 211 using the work station 209 can send information (reflecting benefits to the insured) to the accounting server 207 using the 'workstation-
• the professional 211 assesses the insured-against risk using both the
• This assessment includes the insured's compliance with the prescribed
• Fig. 3 A illustrates a dynamic risk assessment process, indicated by gen-
• risk assessment process 300 is cyclic in normal circumstances.
• step 301 obtains medical information (such as bio-medical information)
• the medical information is gathered according to a protocol
• This medical information is sent to a server device that performs an 'evaluate patient information' step 303 that determines one or more
• the dynamic risk assessment process 300 delays for an appropriate time a a delay step
• This delay can be varied as appropriate for the insured, the insured's condition,
• the delay step 305 determines the time
• the delay ends at an 'delay complete' step 307 and the dynamic risk assessment
• process 300 repeats at the 'gather patient information' step 301 to re-determine the in-
• step 301 is specific to the insured's current risk and progression of the condition.
• the insured or caregiver may be periodically instructed to check for sores on
• the caregiver can provide informa-
• step 303 can be repeated dependent on the data acquired from the insured
• the server device 120 can send the client device 110 a protocol to cause the client device 110 to obtain the new information
• Fig. 3B illustrates an 'evaluate patient information' process, ' indicated by
• the 'evaluate patient information' process 320 is in-
• the 'evaluate patient information' process 320 continues to a 'send data
• the risk includes one or more risk factors.
• Example risk factors include information such as "patient smokes,” “pa-pa-pa-pa-pa-pa-pa-pa-
• the 'respond to risk' procedure 329 determines one
• risk' procedure 327 and the 'respond to risk' procedure 329 need not be performed
• the dynamic risk assessment process 300 can also continue to a 'determine feedback
• a 'present feedback information' procedure 335 then presents the feedback informa-
• the 'determine feedback information' procedure 331 can also provide
• the client device 110 with additional data gathering protocols that are dependent on the
• mine feedback information' procedure 331 checks to determine whether the just-
• gathered information is out-of-limit, indicates a trend, or should be forwarded to a
• client device 110 and the server device 120 in a different manner.
• server device 120 For example as the
• Fig. 4 illustrates a 'respond to risk' process, indicated by general refer-
• ence character 400 that is configured to adjust the cost of the financial product be-
• process 400 is invoked by the 'respond to risk' procedure 329 and initiates at a 'start'
• an 'inform' procedure 409 generates information that will be pro-
• procedure also provides the new allocations to an accounting database and/or the pay-
• This payment allocation is structured to pro-
• Fig. 5 illustrates a 'determine feedback information' process, indicated
• risk factors' procedure 503 uses the risk factors determined by the 'reassess risk'
• the 'modify regimen' procedure 507 may change the data
• diabetes for example, diabetes, and CHD.
• a 'select feedback language' procedure 509 selects the language
• dure 509 can also control how much technical jargon is to be included.
• guage can be customized for the educational and experience level of the insured and/or
• a 'prepare feedback information' procedure 511 assembles the feed- back information including the suggested medical regimens coded for the language of
• the 'determine feedback information' process 500 completes through an
• the 'correlate regimen with risk factors' procedure 503 evaluates the
• vention uses Bayesian statistical techniques to perform this correlation.

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• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Finance (AREA)
• Engineering & Computer Science (AREA)
• Development Economics (AREA)
• Economics (AREA)
• Marketing (AREA)
• Strategic Management (AREA)
• Technology Law (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Medical Treatment And Welfare Office Work (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Applications Claiming Priority (3)

Publications (1)

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ID=22570907

Family Applications (1)

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• 1999
  • 1999-09-22 EP EP99948399A patent/EP1032903A1/de not_active Withdrawn
  • 1999-09-22 AU AU61589/99A patent/AU6158999A/en not_active Abandoned
  • 1999-09-22 WO PCT/US1999/022020 patent/WO2000017800A1/en not_active Ceased
  • 1999-09-22 CA CA002310648A patent/CA2310648A1/en not_active Abandoned

Non-Patent Citations (1)

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