US 2025/0095144 A1Published application

Machine-learning based determination of vital signs and a physiological state of an existing or potential policy holder for insurance underwriting

AssigneeBrightermd LLC

InventorJesse Ohayon

Life of this patent

Estimating the term…

Loading patent…

Abstract

A method, application program, smart device, and computer system may capture images of a body part of an existing or potential insurance policy holder, determine one or more vital signs of the existing or potential insurance policy holder by image processing optionally assisted by a machine learning model, determine a physiological state for one or more of the vital signs with a computational model generated by another machine learning model, generate an underwriting package containing the physiological state, and send the underwriting package to a central computer for insurance underwriting.

Claims20

Dependent claims

A method comprising:

capturing, by camera of a smart device, a plurality of images of a body part of an existing or potential insurance policy holder;
determining, by the smart device, a plurality of hemoglobin concentration (HC) changes based on the plurality of images;
determining, by the smart device, a set of bitplanes of the plurality of images that represent the plurality of hemoglobin concentration (HC) changes of the existing or potential insurance policy holder;
extracting, by the smart device, a value for a vital sign from the plurality of HC changes;
building, by the smart device, a feature set comprising the plurality of HC changes;
performing, by the smart device, a trained machine learning model comprising a computational model on the feature set to obtain an output data set comprising a physiological state for the vital sign;
generating, by the smart device, an underwriting package comprising the value for the vital sign and the physiological state for the vital sign;
and
sending, by the smart device, the underwriting package to a central computer.

6 more elements

A computer system comprising a smart device, wherein the smart device is configured to:

capture, by camera of the smart device, a plurality of images of a body part of an existing or potential insurance policy holder;
determine, by an application program running on the smart device, a plurality of hemoglobin concentration (HC) changes based on the plurality of images;
determine, by the application program, a set of bitplanes of the plurality of images that represent the plurality of hemoglobin concentration (HC) changes of the existing or potential insurance policy holder;
extract, by the application program, a value for a vital sign from the plurality of HC changes;
build, by the application program, a feature set comprising the plurality of HC changes;
perform, by the application program, a trained machine learning model comprising a computational model on the feature set to obtain an output data set comprising a physiological state for the vital sign;
generate, by the application program, an underwriting package comprising the value for the vital sign and the physiological state for the vital sign;
and
send, by the application program, the underwriting package to a central computer.

6 more elements

Dependencies are inferred from the claim text.