Bio-sample collection kits, systems and methods for generating biomarker data for use in determining an insurance score
AssigneeState Farm Mutual Automobile Insurance Company
InventorsDavid Turrentine, Jeremy Myers, Abby Tohline, Angi Bobsin, Kelly S. Minter, Miranda Kemp, Larry J. Ingrum
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Abstract
The present disclosure generally relates to bio-sample, such as a dried blood spot (DBS) sample, a breath sample, an endothelial sample, saliva sample, etc., collection kits and identity authenticating mechanisms for the sample donors. The present disclosure further relates to systems and methods for generating biomarker data using bio-sample analysis information and authenticating information. The biomarker data may be used to determine an insurance score.
Claims20
A computerized method for generating insurance risk related data, the method comprising:
- receiving an insurance application from an individual seeking to obtain insurance coverage, wherein the insurance application includes data associated with the individual and a selection associated with providing a bio-sample collection kit;
- providing a bio-sample collection kit to the individual based on the insurance application;
- receiving a bio-sample from an individual using the bio-sample collection kit;
- automatically authenticating, at a computer processor of a first computing device, the identity of the individual, wherein authenticating the individual comprises receiving authenticating data from the individual and associating the bio-sample with the individual based on the authenticating data;
- receiving an analysis of the bio-sample to determine the biomarker information;
- generating, using a processor of a second computing device, biomarker data for the individual, wherein the biomarker data is representative of the biomarker information and the authenticating data;
- generating, using a computer processor of a third computing device, insurance risk data associated with the individual and that is based, at least in part, on the insurance application data and the biomarker data;
- and
- determining, using the processor of the third computing device, an insurance risk assessment for the individual based on the insurance risk data, wherein the insurance risk assessment predicates an insurance rate to be offered to the individual.
A system for generating insurance risk related data, the system comprising:
- a computing device, wherein the computing device comprises a computer processor and a memory storing instructions that, when executed by the computer processor, performs:
- receiving an insurance application from an individual seeking to obtain insurance coverage, wherein the insurance application includes data associated with the individual and a selection associated with providing a bio-sample collection kit;
- providing a bio-sample collection kit to the individual based on the insurance application;
- receiving a bio-sample from an individual using the bio-sample collection kit;
- automatically authenticating the identity of the individual, wherein authenticating the individual comprises receiving authenticating data from the individual and associating the bio-sample with the individual based on the authenticating data;
- receiving an analysis of the bio-sample to determine the biomarker information;
- generating biomarker data for the individual, wherein the biomarker data is representative of the biomarker information and the authenticating data;
- generating insurance risk data associated with the individual and that is based, at least in part, on the insurance application data and the biomarker data;
- and
- determining an insurance risk assessment for the individual based on the insurance risk data, wherein the insurance risk assessment predicates an insurance rate to be offered to the individual.
A non-transitory computer-readable storage medium comprising computer-readable instructions stored thereon which, when executed by a computer processor, performs a method for generating insurance risk related data, the method comprising:
- receiving an insurance application from an individual seeking to obtain insurance coverage, wherein the insurance application includes data associated with the individual and a selection associated with providing a bio-sample collection kit;
- providing a bio-sample collection kit to the individual based on the insurance application;
- receiving a bio-sample from an individual using the bio-sample collection kit;
- automatically authenticating the identity of the individual, wherein authenticating the individual comprises receiving authenticating data from the individual and associating the bio-sample with the individual based on the authenticating data;
- receiving an analysis of the bio-sample to determine the biomarker information;
- generating biomarker data for the individual, wherein the biomarker data is representative of the biomarker information and the authenticating data;
- generating insurance risk data associated with the individual and that is based, at least in part, on the insurance application data and the biomarker data;
- and
- determining an insurance risk assessment for the individual based on the insurance risk data, wherein the insurance risk assessment predicates an insurance rate to be offered to the individual.
Dependencies are inferred from the claim text.