Patent ID: 8510133

Claim:
An insurance system, comprising: a data storage device for storing, updating and providing access to data defining a plurality of medical monitoring rules; a computer processor for executing program instructions and for retrieving said medical monitoring rule data from the data storage device; a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor to process an insurance request message, said insurance request message including data identifying an insurance request from a user associated with a mobile device; determine that said insurance request is associated with at least one medical monitoring rule; generate an insurance monitoring request for transmission to said user associated with said mobile device, said insurance monitoring request including data identifying a medical monitoring application to be installed on said mobile device and operated to collect medical data from said user associated with said mobile device said insurance monitoring request and said medical monitoring application selected based on said at least one medical monitoring rule; receiving information associated with said medical data collected from said mobile device operating said medical monitoring application; and generating a response to said insurance request message based at least in part on said medical data.