Systems and methods for automated body mass index calculation to determine value

Patent metadata

Field	Value
Publication number	US-9839376-B1
Application number	US-201615134080-A
Country	US
Kind code	B1
Filing date	Apr 20, 2016
Priority date	Apr 20, 2015
Publication date	Dec 12, 2017
Grant date	Dec 12, 2017

Abstract

A system and method for automated body mass index is disclosed. The disclosed method operates within a system architecture including one or more computing devices, one or more servers, and one or more databases. A processor operating within the one or more servers executes one or more algorithms for detecting relevant features associated with a potential client's multimedia information. The method may include calculating feature values, such as abdomen circumference, face width, face height, cheekbone width, jaw width, and neck width, and the like as well as calculating the body mass index of the potential client using one or more regression algorithms. A baseline and updated BMI may be determined, and used for determining a baseline and updated value.

First claim

What is claimed is:

1. A computerized-method comprising:
upon receiving, by a processing unit, height and weight data of a potential customer, requesting, by the processing unit, a first electronic image of the potential customer to be captured from an image capture device of the potential customer, the requested first electronic image being inclusive of a standard sized object positioned in the first electronic image according to at least one reference point for the first electronic image;
receiving, by the processing unit, the first electronic image of the potential customer via a communications network from the image capture device of the potential customer at a first time, wherein the first electronic image is captured and transmitted from the image capture device, the image being inclusive of the standard sized object positioned in the first electronic image according to the least one reference point for the first electronic image;
computing, by the processing unit, a baseline body mass index (BMI) of the potential customer as a function of the height and weight data and the first electronic image inclusive of the standard sized object positioned in the image according to the least one reference point for the first electronic image;
determining, by the processing unit, a baseline value as a function of the computed BMI for the potential customer;
upon receiving, by the processing unit, updated height and weight data of the potential customer at a second time, requesting, by the processing unit, a second electronic image of the potential customer to be captured from the image capture device of the potential customer, the requested second electronic image being inclusive of a standard sized object positioned in the second electronic image according to at least one reference point for the second electronic image;
receiving, by the processing unit, the second electronic image of the potential customer via the communications network from the image capture device of the potential customer at the second time, wherein the second electronic image is captured and transmitted from the image capture device, the second electronic image being inclusive of a standard sized object positioned in the second electronic image according to the least one reference point for the second electronic image;
computing, by the processing unit, an updated BMI of the potential customer as a function of the updated height and weight data and the second electronic image inclusive of the standard sized object positioned in the second electronic image according to the least one reference point for the second electronic image; and
determining, by the processing unit, an updated value as a function of the computed updated BMI.

2. The computerized-method of claim 1 , wherein the standard sized object used for the first and second electronic images are the same.

3. The computerized-method of claim 1 , wherein computing the baseline BMI comprises:
detecting, by the processing unit, at least one anatomical region of the potential customer from the first electronic image;
calculating, by the processing unit, a feature value of the detected at least one anatomical region of the potential customer;
normalizing, by the processing unit, the feature value; and
wherein calculating the baseline BMI includes calculating the baseline BMI as a function of the normalized feature value.

4. The computerized-method of claim 3 , wherein computing the updated BMI comprises:
detecting, by the processing unit, at least one anatomical region of the potential customer from the second electronic image;
calculating, by the processing unit, a feature value of the detected at least one anatomical region of the potential customer;
normalizing, by the processing unit, the feature value; and
wherein calculating the updated BMI includes calculating the updated BMI as a function of the normalized feature value.

5. The computerized-method of claim 1 , further comprising:
determining a baseline premium based on the baseline value; and
determining an updated premium by
determining, by the processing unit, that the updated BMI is an improvement over the baseline BMI and
in response to determining that the updated BMI is an improvement over the baseline BMI, determining the updated premium to be lower than the baseline premium, otherwise, determining the updated premium is the same as the baseline premium.

6. The computerized-method of claim 1 , further comprising:
setting, by the processing unit, a notification date for notifying the potential customer to submit another image; and
communicating, by the processing unit, a notification to the potential customer to submit another image on the notification date.

7. The computerized-method of claim 1 , further comprising:
in response to receiving additional updated height and weight data of the potential customer and an additional image of the potential customer, computing, by the processing unit, an additional updated BMI of the potential customer as a function of the additional updated height and weight data and the additional updated image of the potential customer;
determining, by the processing unit, an additional updated value as a function of the computed additional updated BMI; and
determining, by the processing unit, an additional updated premium based on the additional updated value.

8. The computerized-method of claim 1 , further comprising:
determining, by the processing unit, a baseline premium for the potential customer based on the baseline value; and
determining, by the processing unit, an updated premium based on the updated value.

9. The computerized-method of claim 1 , wherein computing the baseline BMI and updated BMI further comprises image processing, by the processing unit, the respective first and second electronic images using the respective standard sized objects to determine a scale of the image to enable at least one anatomical region to be scaled and measured.

10. The computerized-method of claim 1 , wherein receiving the first electronic image being inclusive of the standard sized object positioned in the first electronic image according to the least one reference point for the first electronic image comprises:
receiving, by the image capture device, a request to capture an image of the potential customer;
displaying, by the image capture device, the at least one reference point for the first electronic image;
conveying, by the image capture device, a message requesting the potential customer to hold the standard sized object up against an anatomical part of the potential customer;
conveying, by the image capture device, a message requesting the potential customer to align the standard sized object with the at least one reference point for the first electronic image; and
capturing, by the image capture device, an image of the potential customer holding the standard sized object when it is detected, by the image capture device, that the standard sized object is aligned with the at least one reference point for the first electronic image.

11. The computerized-method of claim 1 , wherein receiving the second electronic image being inclusive of the standard sized object positioned in the second electronic image according to the least one reference point for the second electronic image comprises:
receiving, by the image capture device, a request to capture an image of the potential customer;
displaying, by the image capture device, the at least one reference point for the second electronic image;
conveying, by the image capture device, a message requesting the potential customer to hold the standard sized object up against an anatomical part of the po

Assignees

• Massachusetts Mutual Life Insurance Co
• Massachusetts Mutual Life Insurance

Inventors

• Ross Gareth
• Ben-Zvi Yaron
• Merritt Sears

Classifications

• A61B5/1079 Primary

  using optical or photographic means · CPC title

• G06T2207/30196

  Human being; Person · CPC title

• A61B5/7264

  Classification of physiological signals or data, e.g. using neural networks, statistical classifiers, expert systems or fuzzy systems · CPC title

• A61B5/0077

  Devices for viewing the surface of the body, e.g. camera, magnifying lens · CPC title

• A61B5/6898

  Portable consumer electronic devices, e.g. music players, telephones, tablet computers · CPC title