Patent Document ID: 8521546
Application ID: 11835543
Patent Flag: 1

Claim One:
1. A system for pricing insurance premiums for a group including at least one individual based upon aggregate risk information, comprising: a plurality of client devices, each client device of said plurality of client devices including a display, an input device for entering information, an output device that is configured to alert an individual that information is requested from the individual and a data port, each client device configured for acquiring a first set of data from each individual of the group and a second set of data from each individual of the group, the second set of data being acquired after a time period has elapsed after acquisition of the first set of data; a medical measurement device coupled to said data port of each client device; and a server device, the server device operably connected to each client device of said plurality of client devices via a communication pathway, the server device configured to: analyze the first set of data and the second set of data to compute a first risk score by selecting a risk-assessment model against which to compare the first set of data, the risk-assessment model including at least one of an established risk-assessment model and a unique risk-assessment model, the selection of the risk-assessment model based on at least one of: information provided to the input device, the first set of data, information about a risk-related behavior, a risk-related trend, a forward-looking risk-assessment of a selected individual, a forward-looking risk-assessment of a selected subset of a population, known scientific information regarding a health risk, and known scientific information regarding disease progression, compute a second risk score for the group, divide individuals into at least a first subset and second subset of said group, said individuals being divided based upon at least one health factor associated with the first set of data regarding health information, store said first risk score of the first subset of the group and the second subset of the group, compute a first insurance premium for the first subset of the group based upon the first risk score of the first subset of the group and a first insurance premium for the second subset of the group based upon the first risk score of the second subset of the group, store said second risk score of the first subset of the group and the second subset of the group, and compute a second insurance premium for the first subset of the group and the second subset of the group based upon the second risk score for the first subset of the group and the second subset of the group, said second insurance premium being further computed based upon said at least one health factor associated with the first set of data regarding health information for which individuals of said group are divided into said first subset of said group and said second subset of said group, wherein the second insurance premium computed for the first subset of the group and the second subset of the group includes a determination of an adjustment to the first insurance premium based on a change in the first risk score as compared to the second risk score as it relates to said at least one health factor.