System and Method for Sharing User Information with an Insurer Utilizing Wireless Earpieces
AssigneeBRAGI GmbH
InventorPeter Vincent Boesen
Life of this patent
Estimating the term…
Abstract
A system, method and wireless earpiece for sharing user data with an insurance provider to provide an insurance product of adjust the cost of insurance. The wireless earpiece may establish the identity of a user and track activity data of the user using at least a heart rate sensor and an inertial sensor of the wireless earpiece. The activity data and user identity may be wireless communicated to a server platform of the insurance provider. The server platform may apply the user identity and activity data to an actuarial model used by the insurance provider. The user may be provided a product based on the actuarial model utilizing the activity data and user identity.
Claims19
A method for sharing user information with an insurer, the method comprising:
- establishing an identity of the user by a wireless earpiece of the user;
- tracking the activity of the user using at least an inertial sensor of the user and a heart rate sensor of the user:
- wirelessly communicating the identity of the user and the activity of the user to a server platform;
- applying the activity of the user to an actuarial model at the server platform;
- wherein an insurance product is provided to the user based on the actuarial model.
Dependencies are inferred from the claim text.