Systems and methods for analyzing captured biometric data

US11869637B2 · kind B2 · utility

Assignee

• State Farm Mutual Automobile Insurance Company · US

Inventors

• Jeremy Garavaglia · Mesa, US
• John Larson · Chapel Hill, US
• Jovonni Lee Pharr · Mableton, US
• Kip Wilson · Cave Creek, US
• Nolan White · Chandler, US
• Achyutha Srinivas Mudunuri · Gilbert, US
• Wallace Taylor · Tempe, US
• Mike Aviles · Bloomington, US

Key dates

• Filing date: Jan 24, 2023
• Grant date: Jan 9, 2024
• Expiry date: Jan 24, 2043

Classification

• Technology area (CPC G): Physics
• CPC primary: G16H50/30
• WIPO field: Medical technology
• WIPO sector: Instruments

Abstract

A computer system for generating an insurance policy for a user 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.