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Publishing and insurance applications of lifeotypes

Publishing and insurance applications of lifeotypes description/claims

This application claims the benefit of the following provisional application, which is hereby incorporated by reference in its entirety:

Ser. No. 60/901,952, SYSTEMS AND METHODS FOR UNDERSTANDING AND APPLYING THE PHYSIOLOGICAL AND CONTEXTUAL LIFE PATTERNS OF AN INDIVIDUAL OR SET OF INDIVIDUALS, filed Feb. 16, 2007.

1. Field

The invention relates to the field of data informatics, and more specifically to systems and methods for analyzing and parsing information relating to information monitored about subjects, including human lifestyle information.

2. Description of the Related Art

Vast resources have been devoted to the sequencing of the human genetic code and to cataloging the influence of genes and other physiological traits. However, a major component of health and wellness can be attributed to the interactions of subjects with their environment, including their lifestyles. Despite the widely accepted view that lifestyle activities, such as those related to diet, exercise, sleep habits and the like, affect health and wellness, efforts to catalog those effects to date have been limited. A need exists for methods and systems that systematically catalog the effects of various human lifestyles on a wide range of outcomes; that is, a need exists to sequence the human lifestyle. The low cost and ready availability of sensors has reduced costs of collecting data. In addition, improved data integration and processing methods have allowed for use of existing data sources. However, this wealth of data has not yet led to a better overall understanding of the influence of particular lifestyles; instead, the wealth of data has overwhelmed existing systems and methods. A need exists for methods and systems that allow for systematic analysis of lifestyle data.

The invention may include methods and systems involving assembling data from at least one data source into at least one life bit, assembling the at least one life bit into at least one life byte and analyzing the at least one life byte to determine at least one lifeotype. In one embodiment, each life byte consists of a plurality of life bits, and life bytes are organized into sequences, each of which can be characterized as a life byte sequence. In turn, life byte sequences can be analyzed to identify ones of interest, such as for clinical research, wellness, or the like, such sequences of interest being characterized or expressed as lifeotypes (as described below).

At least one data source rendering a life bit may be a body monitor, such as one that includes one or more sensors. Examples of body monitors and other systems, devices, and methods that can be used to generate the data rendering life bits and ultimately lifeotype data are described in described in Stivoric et al., U.S. Pat. No. 7,020,508, issued Mar. 28, 2006, entitled Apparatus for Detecting Human Physiological and Contextual Information; Teller et al., pending U.S. patent application Ser. No. 09/595,660, for System for Monitoring Health, Wellness and Fitness; Teller, et al., pending U.S. patent application Ser. No. 09/923,181, for System for Monitoring Health, Wellness and Fitness; Teller et al., pending U.S. patent application Ser. No. 10/682,759, for Apparatus for Detecting, Receiving, Deriving and Displaying Human Physiological and Contextual Information; Andre, et al., pending U.S. patent application Ser. No. 10/682,293, for Method and Apparatus for Auto-Journaling of Continuous or Discrete Body States Utilizing Physiological and/or Contextual Parameters; Stivoric, et al., pending U.S. patent application Ser. No. 10/940,889, Stivoric, et al., pending U.S. patent application Ser. No. 10/940,214 for System for Monitoring and Managing Body Weight and Other Physiological Conditions Including Iterative and Personalized Planning, Intervention and Reporting, and Stivoric et al., pending U.S. patent application Ser. No. 11/582,896 for Devices and Systems for Contextual and Physiological-Based Detection, Monitoring, Reporting, Entertainment, and Control of Other Devices, each of which are incorporated, in their entirety, herein by reference.

The data may include physiological data, contextual data and environmental data. The data may also include derived data, analytical status data, contextual data, continuous data, discrete data, time series data, event data, raw data, processed data, metadata, third party data, physiological state data, psychological state data, survey data, medical data, genetic data, environmental data, transactional data, economic data, socioeconomic data, demographic data, psychographic data, sensed data, continuously monitored data, manually entered data, inputted data, continuous data and real-time data.

In an embodiment, at least one of the assembly and analysis of lifotypes may utilize a wide range of techniques applied to a life byte sequence, a life byte, a life bit, or a lifeotype, in order to yield a prediction, inference, or the like. Such techniques may include, without limitation, iterative optimization, genetic programming, stochastic simulations, model generation, model use, simulated annealing, Markov methods, reinforcement learning, partial programming, stochastic beam search, model based search, goal-based search, goal-based methods, feedback loops and artificial intelligence. In embodiments, the method may be applied to medical decision making, disease management, auto-publishing, automatic completion of forms, filtering search results, delivering content, dating, social networking and e-commerce. In embodiments, the at least one lifeotype and any related information may be represented in a spider map or the like or may be superimposed on a map. In embodiments, the method may further comprise determining the numbers and types of life bits and life bytes required to fully determine a lifeotype.

The methods and systems disclosed herein may include a method or system involving classifying data concerning a population of individuals into lifeotypes that correspond to certain combinations of aspects of at least one of the human lifestyle, human status and the human condition, such combinations optionally including combinations of life bytes, life byte sequences, life bits, or combinations of other lifeotypes. In an embodiment, the method or system may also involve analyzing patterns within and across lifeotypes to draw conclusions, draw inferences, or make predictions about individuals with a certain lifeotype or groups of individuals that share a certain lifeotype. At least one data source may be a body monitor including at least one sensor. The data may include any of the data sources described herein or in documents incorporated by reference herein, including, for example, physiological data, contextual data and environmental data. The data may also include derived data, analytical status data, contextual data, continuous data, discrete data, time series data, event data, raw data, processed data, metadata, third party data, physiological state data, psychological state data, survey data, medical data, genetic data, environmental data, transactional data, economic data, socioeconomic data, demographic data, psychographic data, sensed data, continuously monitored data, manually entered data, inputted data, continuous data and real-time data.

The classification process used to identify a lifeotype may utilize a wide range of techniques disclosed herein, in the documents incorporated by reference herein, or known to those of ordinary skill in the art, including, without limitation iterative optimization, genetic programming, stochastic simulations, model generation, model use, simulated annealing, Markov methods, reinforcement learning, partial programming, stochastic beam search, model based search, goal-based search, goal-based methods, feedback loops and artificial intelligence. In embodiments, the method or system may be applied to medical decision making, disease management, auto-publishing, automatic completion of forms, filtering search results, delivering content, dating, social networking and e-commerce. In embodiments, the at least one lifeotype and any related information may be represented in a spider map or the like or may be superimposed on a map. In one embodiment, the more than one life byte may be organized into a life byte sequence.

The methods and/or systems disclosed herein may include a system containing a facility for assembling data from at least one data source into at least one life bit, a facility for assembling the at least one life bit into at least one life byte, and a facility for analyzing the at least one life byte, or a sequence of life bytes, to determine at least one lifeotype. At least one data source rendering a life bit may be a body monitor, such as including one or more sensors. The data may include physiological data, contextual data and environmental data. The data may also include derived data, analytical status data, contextual data, continuous data, discrete data, time series data, event data, raw data, processed data, metadata, third party data, physiological state data, psychological state data, survey data, medical data, genetic data, environmental data, transactional data, economic data, socioeconomic data, demographic data, psychographic data, sensed data, continuously monitored data, manually entered data, inputted data, continuous data and real-time data.

In an embodiment, at least one of the facility for assembly and the facility for analysis of lifotypes may utilize a wide range of techniques applied to a life byte sequence, a life byte, a life bit, or a lifeotype, in order to yield a prediction, inference, or the like. Such techniques may include, without limitation, iterative optimization, genetic programming, stochastic simulations, model generation, model use, simulated annealing, Markov methods, reinforcement learning, partial programming, stochastic beam search, model based search, goal-based search, goal-based methods, feedback loops and artificial intelligence. In embodiments, the system may be applied to medical decision making, disease management, auto-publishing, automatic completion of forms, filtering search results, delivering content, dating, social networking and e-commerce. In embodiments, the at least one lifeotype and any related information may be represented in a spider map or the like or may be superimposed on a map. The system may also include a facility for determining the numbers and types of life bits and life bytes required to fully determine a lifeotype.

The methods and systems disclosed herein may include a system with a facility for classifying data concerning a population of individuals into lifeotypes that correspond to certain combinations of aspects of at least one of the human lifestyle, human status and the human condition, such combinations optionally including combinations of life bytes, life byte sequences, life bits, or combinations of other lifeotypes. In an embodiment, the system may also involve analyzing patterns within and across lifeotypes to draw conclusions, draw inferences, or make predictions about individuals with a certain lifeotype or groups of individuals that share a certain lifeotype. At least one data source may be a body monitor including at least one sensor. The data may include any of the data sources described herein or in documents incorporated by reference herein, including, for example, physiological data, contextual data and environmental data. The data may also include derived data, analytical status data, contextual data, continuous data, discrete data, time series data, event data, raw data, processed data, metadata, third party data, physiological state data, psychological state data, survey data, medical data, genetic data, environmental data, transactional data, economic data, socioeconomic data, demographic data, psychographic data, sensed data, continuously monitored data, manually entered data, inputted data, continuous data and real-time data. The data may data related to family history, genes, diagnoses, medical knowledge, polygraphs and the like. The data may be collected over time. The data may be data relevant to a certain measure at various points in time.

The facility for classifying data may utilize a wide range of techniques disclosed herein, in the documents incorporated by reference herein, or known to those of ordinary skill in the art, including, without limitation iterative optimization, genetic programming, stochastic simulations, model generation, model use, simulated annealing, Markov methods, reinforcement learning, partial programming, stochastic beam search, model based search, goal-based search, goal-based methods, feedback loops and artificial intelligence. In embodiments, the system may be applied to medical decision making, disease management, auto-publishing, automatic completion of forms, filtering search results, delivering content, dating, social networking and e-commerce. In embodiments, the at least one lifeotype and any related information may be represented in a spider map or the like or may be superimposed on a map. In one embodiment, the more than one life byte may be organized into a life byte sequence.

The methods and systems described herein may involve determining at least one lifeotype of at least one individual, analyzing the at least one lifeotype, and publishing a publication based on the analysis. In embodiments, the publishing may be performed by a publication engine, a publication engine that automatically publishes the publication, a publication engine that makes a determination of the timing and content of a publication based on set parameters, a publication engine that makes a determination of the timing and content of a publication based on the occurrence of a statistically significant result or a publication engine that makes a determination of the timing and content of a publication based on the occurrence of a counter intuitive result. In embodiments, the publication may be published automatically. In an embodiment, the publication may be a blog, a report, experimental data, event study data, a study, a form, a completed form, a completed insurance form, a medical record, a treatment plan, a revised treatment plan, a spatial map or a spatial map that includes other relevant information.

The methods and systems described herein may involve determining at least one lifeotype of at least one individual, analyzing the at least one lifeotype, and providing an insurance engine that provides at least one output based on the analysis. In embodiments, the output may be an actuarial table, an insurable cohort, a decision on whether to insure the at least one individual, a recommendation of the parameters of insurance coverage foe the at least one individual, a recommendation regarding the underwriting of an insurance policy, a recommendation regarding pricing of insurance, a recommendation regarding pricing of an annuity, a recommendation regarding pricing of a benefit plan, a recommendation regarding determination of coverage, a recommendation identification of pre-existing conditions, a recommendation regarding allocation of insurance proceeds, a policy recommendation, a policy recommendation regarding a health care system or a policy recommendation regarding allocation of a health care budget.

• Provisional Patent
• Utility Patent

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