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公开(公告)号：US10409953B2
公开(公告)日：2019-09-10
申请号：US14259780
申请日：2014-04-23
Inventor： David Turrentine , Jeremy Myers , Abby Tohline , Angi Bobsin , Kelly S. Minter , Miranda Kemp , Larry J. Ingrum
IPC: G06F19/00 , G06Q40/08 , A61B5/15 , G06Q50/22 , G16H10/40 , A61B5/1171 , A61B5/151 , A61B5/117 , G01N1/00 , A61B10/00
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.
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2.发明授权Bio-sample collection kits, systems and methods for generating biomarker data for use in determining an insurance score 有权用于生成生物标志物数据的生物样品收集试剂盒，系统和方法用于确定保险分数公开(公告)号：US08805708B1
公开(公告)日：2014-08-12
申请号：US14061332
申请日：2013-10-23
Inventor： David Turrentine , Jeremy Myers , Abby Tohline , Angi Bobsin , Kelly S. Minter , Miranda Kemp , Larry J. Ingrum
CPC classification number: G06F19/328 , A61B5/117 , A61B5/1171 , A61B5/150022 , A61B5/150305 , A61B5/150358 , A61B5/150755 , A61B5/150786 , A61B5/15142 , A61B10/0045 , A61B10/0051 , A61B2010/0087 , A61B2503/12 , A61B2560/0406 , G01N2001/005 , G06F19/00 , G06Q40/08 , G06Q50/22 , G16H10/40
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.
Abstract translation: 本公开一般涉及生物样品，例如干血斑（DBS）样品，呼吸样品，内皮样品，唾液样品等，样品供体的收集试剂盒和鉴定机制。 本公开还涉及使用生物样品分析信息和认证信息生成生物标志物数据的系统和方法。 生物标记数据可用于确定保险分数。
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公开(公告)号：US20210334903A1
公开(公告)日：2021-10-28
申请号：US14699110
申请日：2015-04-29
Inventor： David Scott Etheridge , Gregory K. Sheley , Andrew Patrick Wieduwilt , Jill A. Eberle , Carl R. Streily, JR. , Randall P. Petersen , Amy R. Prestegaard , Larry J. Ingrum , Lori J. Kaufman , Alan R. Hendren , David A. Theile , Douglas K. Sorensen
IPC: G06Q40/08
Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a common application that allows a customer to submit relevant information across various channels for obtaining insurance policy products. Various aspects include a common application that receives information entered by a customer via one or more customer channels, which may include online channels, call center channels, insurance agent channels, and/or any other suitable channels. Various aspects also include aggregating portions of the relevant customer's information while identifying the channel in which the information was received and information not yet collected to determine an appropriate insurance policy product. In this way, a common application is utilized to provide a full suite of insurance policy products to customers while allowing the customers to submit relevant information over any number of different channels.
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4.发明授权公开(公告)号：US11145001B1
公开(公告)日：2021-10-12
申请号：US16562543
申请日：2019-09-06
Inventor： David Scott Etheridge , Andrew Patrick Wieduwilt , Jill A. Eberle , Carl R. Streily, Jr. , Randall P. Petersen , Amy R. Prestegaard , Larry J. Ingrum , Lori J. Kaufman , Alan R. Hendren , David A. Theile , Douglas K. Sorensen
IPC: G06Q40/08
Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.
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Patent Agency Ranking
5.发明授权公开(公告)号：US10460392B1
公开(公告)日：2019-10-29
申请号：US14699425
申请日：2015-04-29
Inventor： David Scott Etheridge , Andrew Patrick Wieduwilt , Jill A. Eberle , Carl R. Streily, Jr. , Randall P. Petersen , Amy R. Prestegaard , Larry J. Ingrum , Lori J. Kaufman , Alan R. Hendren , David A. Theile , Douglas K. Sorensen
IPC: G06Q40/08
Abstract: Methods, systems, apparatus, and non-transitory computer readable media are disclosed for providing a web-based application that allows a customer to submit relevant information for obtaining insurance policy products that may require medical underwriting. Various aspects allow a customer to use the web-based application for a variety of insurance products, which may include term, full, and/or universal life insurance policies. The web-based application simplifies the application process by filtering questions and/or prompts presented to the customer based upon a customer's specific needs, previous answers, and/or other information. Various aspects also include determining whether a customer qualifies for temporary or permanent life insurance coverage based upon a customer's information and/or answers to one or more knockout questions, and if so, providing the customer with a binding receipt of temporary insurance coverage upon payment for a period of time in which the underwriting may be completed.
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6.发明申请Personal Health Data Gathering for Incentive and Insurance Rating Purposes 审中-公开个人健康数据收集用于激励和保险等级目的公开(公告)号：US20150134344A1
公开(公告)日：2015-05-14
申请号：US14078793
申请日：2013-11-13
Inventor： David Turrentine , Jeremy Myers , Abby Tohline , Angi Bobsin , Kelly S. Minter , Larry J. Ingrum
IPC: G06F19/00
CPC classification number: G06F19/328
Abstract: An insurance method and computer system provides incentives and insurance ratings to a policy holder. The policy holder may opt to participate in an incentives program in which the method and system may receive baseline personal health data that indicates a baseline health condition and a target goal to improve or maintain that baseline health condition over a specified time period. The method and system may then receive and analyze personal health data generated by a sensor that monitors a current health condition over the specified time period to determine whether the target goal has been achieved. The method and system may provide an indication of an incentive to the policy holder in response to receiving the personal health data generated by the sensor, and may provide an indication of a further incentive in response to determining that the target goal has been met.
Abstract translation: 保险方法和计算机系统为保单持有人提供激励和保险评级。 保单持有人可以选择参与奖励计划，其中方法和系统可以接收基准个人健康数据，指示基线健康状况，以及在指定时间段内改善或维持该基线健康状况的目标目标。 该方法和系统然后可以接收和分析由传感器生成的个人健康数据，所述传感器在指定的时间段内监视当前健康状况，以确定目标目标是否已经实现。 所述方法和系统可以响应于接收到由传感器产生的个人健康数据而向保单持有者提供激励的指示，并且可以响应于确定已经满足目标目标来提供进一步激励的指示。
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7.发明授权公开(公告)号：US10089695B1
公开(公告)日：2018-10-02
申请号：US14844594
申请日：2015-09-03
Inventor： Jeremy Myers , Brittany Boyer , Dana Hunt , David Turrentine , Larry J. Ingrum , Erin Olander , Nicole M. Blakney , Aaron C. Williams
Abstract: Systems and methods for managing a long-term care insurance policy associated with a property are provided. According to certain aspects, configuration data associated with a component installed within the property may be received and analyzed to determine that the component is not included in a long-term care insurance policy of the property. The component may be analyzed to determine a discount associated with the long-term care insurance policy, and the discount may then be applied to the long-term care insurance policy.
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8.发明授权公开(公告)号：US09870448B1
公开(公告)日：2018-01-16
申请号：US14844963
申请日：2015-09-03
Inventor： Jeremy Myers , Brittany Boyer , Dana Hunt , David Turrentine , Larry J. Ingrum , Erin Olander , Nicole M. Blakney , Aaron C. Williams
IPC: G06F19/00
CPC classification number: G06F19/328 , G06Q50/00
Abstract: Systems and methods for processing insurance claims associated with a long-term care insurance policy are provided. According to certain aspects, an insurance claim that lists a set of services purportedly administered by a caregiver within a property of a policyholder may be received. Operation data may be collected from a set of devices that are populated within the property, where the operation data may be indicate a set of services that were actually performed. The set of purported services may be compared to the set of actual services, and the insurance claim may be processed accordingly.
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9.发明申请BIO-SAMPLE COLLECTION KITS, SYSTEMS AND METHODS FOR GENERATING BIOMARKER DATA FOR USE IN DETERMINING AN INSURANCE SCORE 审中-公开用于生成生物标记数据的生物样品收集工具，系统和方法用于确定保险分数公开(公告)号：US20150112718A1
公开(公告)日：2015-04-23
申请号：US14259780
申请日：2014-04-23
Inventor： David Turrentine , Jeremy Myers , Abby Tohline , Angi Bobsin , Kelly S. Minter , Miranda Kemp , Larry J. Ingrum
IPC: G06F19/00
CPC classification number: G06F19/328 , A61B5/1171 , A61B5/150022 , A61B5/150305 , A61B5/150358 , A61B5/150755 , A61B5/150786 , A61B5/15142 , A61B10/0045 , A61B10/0051 , A61B2010/0087 , A61B2503/12 , A61B2560/0406 , G01N2001/005 , G06Q40/08 , G06Q50/22 , G16H10/40
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.
Abstract translation: 本公开一般涉及生物样品，例如干血斑（DBS）样品，呼吸样品，内皮样品，唾液样品等，样品供体的收集试剂盒和鉴定机制。 本公开还涉及使用生物样品分析信息和认证信息生成生物标志物数据的系统和方法。 生物标记数据可用于确定保险分数。
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