US 12,142,381 B1
Systems and methods for offering products based on medical assessments
William Daniel Farmer, Carrollton, TX (US); Anto Chirayil Thomas, Coppell, TX (US); Pooja Krishnaswamy, Cedar Park, TX (US); Daniel Scott Veibell, Plano, TX (US); Seth E. Ethington, McKinney, TX (US); and Timothy Shiveley, Farmers Branch, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association (USAA), San Antonio, TX (US)
Filed on Aug. 26, 2020, as Appl. No. 17/003,736.
Claims priority of provisional application 62/893,640, filed on Aug. 29, 2019.
Int. Cl. G16H 50/30 (2018.01); G06Q 40/08 (2012.01); G06V 40/16 (2022.01); G16H 50/20 (2018.01); G16H 50/70 (2018.01); A61B 5/00 (2006.01); A61B 5/02 (2006.01); G16H 20/13 (2018.01)
CPC G16H 50/30 (2018.01) [G06Q 40/08 (2013.01); G06V 40/167 (2022.01); G06V 40/171 (2022.01); G06V 40/174 (2022.01); G16H 50/20 (2018.01); G16H 50/70 (2018.01); A61B 5/02 (2013.01); A61B 5/681 (2013.01); G16H 20/13 (2018.01)] 20 Claims
OG exemplary drawing
 
1. A health analysis system comprising:
a sensor configured to detect individual health data for an individual, wherein the sensor comprises a camera;
one or more processors; and
one or more memory devices, wherein the one or more memory devices are configured to store instructions that cause the one or more processors to:
receive a first image of a face of an individual at a first time from the camera;
receive a second image of the face of the individual at a second time from the camera;
determine three-dimensional facial data points in the first image and the second image;
determine individual health trend data in the second image based on applying a facial recognition algorithm to the three-dimensional facial data points to determine a change in a size, a shape, or both, of one or more facial features of the individual from the first image to the second image;
retrieve group health trend data for a group of individuals associated with the individual health trend data,
wherein the group health trend data comprises a change in a size, a shape, or both, of one or more facial features of each individual of the group of individuals;
identify one or more events over a time period associated with the group health trend data, wherein the time period comprises a time after the change in the size, the shape, or both, of the one or more facial features of the group of individuals;
generate a predicted health trend for the individual based at least in part on the one or more events over the time period and comparing the group health trend data and the individual health trend data; and
adjust an insurance premium based on the predicted health trend for the individual.