| 主权项 |
1. A system, comprising:
a data aggregation and analysis component implemented at least partially using electronic circuits, including: non-transitory computer readable storage; a front end that is coupled to at least a communication link and includes an interface to receive data or information from one or more of: a client device, an insurance provider device, or one or more of multiple data sources; an identification engine that is coupled to at least the front end to receive an identity of an individual and that is configured to authenticate the identity; a customization engine that is coupled to the front end to receive information provided by the insurance provider device indicative of a request for an insurability risk assessment for the individual that is associated with a particular type of insurance policy; a filter engine that is coupled to at least the plurality of data sources and the non-transitory computer readable storage to obtain information comprising medical, health or drug-related data from the multiple data sources,
wherein the data sources include at least one real-time data source with data that is updated on a continual basis,wherein the filter engine is configured to filter the information obtained from the multiple data sources to reduce the information comprising the medical, health or drug-related data and generate a changeable, customized data set based on at least the identity of the individual and the type of insurance policy,wherein the filter engine is configured to change, in real-time, the customized data set in response to real-time changes in the information obtained from the multiple data sources, and a decision engine that is coupled to at least the filter engine and determines an insurability risk metric that represents an individual's estimated a health assessment relevant to the particular type of insurance policy and based on the generated customized data set. |
