36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
promoting the goods and services of others via a global computer network and via electronic communications network; business data analytics services, namely, analysis of business data related to delivery of care, the efficacy of care, the cost of care and the quality of care in the field of healthcare; providing information via an Internet website portal in the fields of human capital management, employee compensation in the nature of payroll administration, and business process management; promoting goods and services of others in the field of health by providing a website featuring coupons, discount offers, rebates, issuance of loyalty reward cards, links to the retail websites or software applications of others, distribution of online catalogs of others featuring consumer goods, price-comparison shopping information, and discount information in the field of health; computerized online ordering services featuring consumer goods and services in the field of health Providing counseling and consulting in the field of healthcare benefits for patients; Providing information in the field of insurance distribution and employee health and financial benefit plans to employers, health maintenance organizations, insurance companies and third-party benefits administrators; administration of employee health benefit plans, and enrollment services related thereto, for employers, health maintenance organizations, insurance companies and third-party benefits administrators; Providing an on-line searchable database featuring financial information about medical benefits in the nature of cost estimates for medical and health care services based on the user's insurance provider; financial administration and financial management of health savings accounts; administration and management of employee benefit plans, namely, health insurance benefit plan administration, and retirement benefit plan administration Education services, namely, providing online tutoring in the field of employee benefit plans; written text editing; editorial consulting services; content consulting services, namely, consultation on the publication of editorial content of sites accessible via a global network Providing non-downloadable software allowing users to research, identify, and compare healthcare fees to plan healthcare services and manage healthcare spending; Software as a service services featuring software for the administration of employee health and welfare benefit plans, including for enrollment and registration services pertaining to such plans; software as a service (SaaS) services featuring software for providing access to information concerning employee financial services, including information about health savings accounts, insurance benefits, savings plans, and retirement plans; SaaS featuring software for chat-based messaging; SaaS featuring software for chat-based messaging in the field of financial services, namely health insurance, savings plans, and retirement benefits; SaaS featuring software for the administration of employee health and welfare benefit plans, including for enrollment and registration services pertaining to such plans
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
Produits et services
promoting the goods and services of others via a global computer network and via electronic communications network; business data analytics services, namely, analysis of business data related to delivery of care, the efficacy of care, the cost of care and the quality of care in the field of healthcare; providing information via an Internet website portal in the fields of human capital management, employee compensation in the nature of payroll administration, and business process management; promoting goods and services of others in the field of health by providing a website featuring coupons, discount offers, rebates, issuance of loyalty reward cards, links to the retail websites or software applications of others, distribution of online catalogs of others featuring consumer goods, price-comparison shopping information, and discount information in the field of health; computerized online ordering services featuring consumer goods and services in the field of health Providing counseling and consulting in the field of healthcare benefits for patients; Providing information in the field of insurance distribution and employee health and financial benefit plans to employers, health maintenance organizations, insurance companies and third-party benefits administrators; administration of employee health benefit plans, and enrollment services related thereto, for employers, health maintenance organizations, insurance companies and third-party benefits administrators; Providing an on-line searchable database featuring financial information about medical benefits in the nature of cost estimates for medical and health care services based on the user's insurance provider; financial administration and financial management of health savings accounts; administration and management of employee benefit plans, namely, health insurance benefit plan administration, and retirement benefit plan administration Education services, namely, providing online tutoring in the field of employee benefit plans; written text editing; editorial consulting services; content consulting services, namely, consultation on the publication of editorial content of sites accessible via a global network Providing non-downloadable software allowing users to research, identify, and compare healthcare fees to plan healthcare services and manage healthcare spending; Software as a service services featuring software for the administration of employee health and welfare benefit plans, including for enrollment and registration services pertaining to such plans; software as a service (SaaS) services featuring software for providing access to information concerning health care financial benefits, including information about health savings accounts; Providing an online computer web site featuring temporary use of non-downloadable software in the field of healthcare, namely, software used as health and medical decision support tools, and for visualizing healthcare data-based trends and rankings, researching the quality and/or availability of healthcare and medical providers, and communicating with healthcare and medical providers and personnel
3.
Machine-Learning Driven Data Analysis Based on Demographics, Risk, and Need
A data processing system for recommending insurance plans implements obtaining an electronic copy of demographic information associated with a user; analyzing the demographic information with a first machine learning model to recommend a bundle of insurance policies based on the demographic information, wherein the first machine learning model is configured to group insured people having similar demographics into clusters and to generate the bundle of insurance policies based on predicted medical insurance consumption associated with a respective group into which the model predicts that the first user falls; customizing the recommended bundle of insurance policies based on the demographic information associated with the user to generate a customized bundle of insurance policies; generating an insurance recommendation report that presents the customized bundle of insurance policies to the user; and causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
A data processing system for insurance claims analysis and adjudication implements obtaining policy coverage information for each of a plurality of insurance policies and insurance claim information associated with a plurality of insurance claims associated with an insured user, analyzing the insurance claim information using a first machine learning to obtain event-related claim grouping information; analyzing the event-related claim grouping information and the standardized policy information using the second machine learning model to obtain coverage prediction information comprising a prediction, for each event of the one or more events, identifying a respective insurance policy of the plurality of insurance policies likely to cover the one or more claims associated with each event, the second machine learning model being trained using second training data formatted according to the standard schema; and providing, via a network connection, the coverage prediction information to a computing device associated with the insured user.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
G16H 20/10 - TIC spécialement adaptées aux thérapies ou aux plans d’amélioration de la santé, p. ex. pour manier les prescriptions, orienter la thérapie ou surveiller l’observance par les patients concernant des médicaments ou des médications, p. ex. pour s’assurer de l’administration correcte aux patients
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p. ex. pour la gestion du personnel hospitalier ou de salles d’opération
G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p. ex. basé sur des systèmes experts médicaux
5.
Machine-Learning Driven Data Analysis and Reminders
A data processing system for machine-learning driven data analysis and reminders implements obtaining an electronic copy of demographic information and an electronic copy of insurance and benefits information associated with a user; providing the demographic information and the insurance and benefits information to a first machine learning model; analyzing the demographic information and the insurance and benefits information with the first machine learning model to output a first benefits utilization prediction that the one or more benefits are available to the user; providing the first benefits utilization prediction as an input to a recommendation engine; generating, using the recommendation engine, a benefits usage summary recommendation report that presents the information regarding the one or more benefits available to the user based on the first benefits utilization prediction; and causing a user interface of a display of a computing device to present the benefits usage summary recommendation report.
A data processing system for machine-learning driven data analysis implements obtaining digital healthcare service provider information associated with one or more digital healthcare service providers and query parameters information from a user searching for digital healthcare service providers that may provide digital healthcare services to employees of the user. The system analyzes query parameter information using a first machine learning model to obtain category information. The system analyzes the category information and the digital health service provider information to predict digital healthcare service providers that provide services that the user may be interested in provided to the employees. These predictions are provided to the user as digital healthcare service recommendations.
G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
A data processing system for machine-learning driven price guidance implements obtaining location information indicative of a location associated with a user; obtaining prescription information for a first prescription and first cost prescription; obtaining, from one or more pharmacy benefits managers, prescription cost information for a prescription from a plurality of pharmacies; analyzing the prescription cost information, the location associated with the user, and the prescription information using a machine learning model to obtain a prescription cost information prediction indicating that a first subset of the plurality of pharmacies provide the prescription at a second prescription cost lower than the first prescription cost; providing the prescription cost information prediction to a pharmacy recommendation unit as an input; generating a prescription savings opportunity report that presents the prescription cost information; and causing a user interface of a display of a computing device to present the prescription savings opportunity report.
A data processing system for insurance claims analysis and adjudication implements obtaining policy coverage information for each of a plurality of insurance policies and insurance claim information associated with a plurality of insurance claims associated with an insured user, analyzing the insurance claim information using a first machine learning to obtain event-related claim grouping information; analyzing the event-related claim grouping information and the standardized policy information using the second machine learning model to obtain coverage prediction information comprising a prediction, for each event of the one or more events, identifying a respective insurance policy of the plurality of insurance policies likely to cover the one or more claims associated with each event, the second machine learning model being trained using second training data formatted according to the standard schema; and providing, via a network connection, the coverage prediction information to a computing device associated with the insured user.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p. ex. pour la gestion du personnel hospitalier ou de salles d’opération
G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p. ex. basé sur des systèmes experts médicaux
G16H 20/10 - TIC spécialement adaptées aux thérapies ou aux plans d’amélioration de la santé, p. ex. pour manier les prescriptions, orienter la thérapie ou surveiller l’observance par les patients concernant des médicaments ou des médications, p. ex. pour s’assurer de l’administration correcte aux patients
9.
Machine-learning driven data analysis based on demographics, risk, and need
A data processing system for recommending insurance plans implements obtaining an electronic copy of demographic information associated with a user; analyzing the demographic information with a first machine learning model to recommend a bundle of insurance policies based on the demographic information, wherein the first machine learning model is configured to group insured people having similar demographics into clusters and to generate the bundle of insurance policies based on predicted medical insurance consumption associated with a respective group into which the model predicts that the first user falls; customizing the recommended bundle of insurance policies based on the demographic information associated with the user to generate a customized bundle of insurance policies; generating an insurance recommendation report that presents the customized bundle of insurance policies to the user; and causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
10.
Machine-learning driven data analysis and healthcare recommendations
A data processing system for machine-learning driven data analysis implements obtaining digital healthcare service provider information associated with one or more digital healthcare service providers and query parameters information from a user searching for digital healthcare service providers that may provide digital healthcare services to employees of the user. The system analyzes query parameter information using a first machine learning model to obtain category information. The system analyzes the category information and the digital health service provider information to predict digital healthcare service providers that provide services that the user may be interested in provided to the employees. These predictions are provided to the user as digital healthcare service recommendations.
G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
11.
MACHINE-LEARNING DRIVEN DATA ANALYSIS AND HEALTHCARE RECOMMENDATIONS
A data processing system for machine-learning driven data analysis and reminders implements obtaining insurance claim information associated with a plurality of insurance claims associated with a user, user demographic information for the user or both and obtaining digital healthcare service provider information associated with one or more digital healthcare service providers. The system further implements analyzing the insurance claim information and the user demographic information using a first machine learning model to obtain claim categorization information identifying a types of insurance claims that the user has filed or is likely to file, and analyzing the digital healthcare service provider and the claim categorization information to predict digital health services that the user may benefit from based on the claim categorization information and categories of digital health services included in the digital healthcare service provider information, and providing the digital healthcare service recommendations to a computing device associated with the user.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p. ex. pour la gestion du personnel hospitalier ou de salles d’opération
G06Q 10/1057 - Avantages sociaux ou bien-être des employés, p. ex. assurances, vacances ou régimes de retraite
A data processing system for machine-learning driven data analysis implements obtaining digital healthcare service provider information associated with one or more digital healthcare service providers and query parameters information from a user searching for digital healthcare service providers that may provide digital healthcare services to employees of the user. The system analyzes query parameter information using a first machine learning model to obtain category information. The system analyzes the category information and the digital health service provider information to predict digital healthcare service providers that provide services that the user may be interested in provided to the employees. These predictions are provided to the user as digital healthcare service recommendations.
G16H 10/40 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données relatives aux analyses de laboratoire, p. ex. pour des analyses d’échantillon de patient
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p. ex. pour la gestion du personnel hospitalier ou de salles d’opération
13.
Machine-learning driven data analysis and healthcare recommendations
A data processing system for machine-learning driven data analysis and reminders implements obtaining insurance claim information associated with a plurality of insurance claims associated with a user, user demographic information for the user or both and obtaining digital healthcare service provider information associated with one or more digital healthcare service providers. The system further implements analyzing the insurance claim information and the user demographic information using a first machine learning model to obtain claim categorization information identifying a types of insurance claims that the user has filed or is likely to file, and analyzing the digital healthcare service provider and the claim categorization information to predict digital health services that the user may benefit from based on the claim categorization information and categories of digital health services included in the digital healthcare service provider information, and providing the digital healthcare service recommendations to a computing device associated with the user.
G06Q 10/06 - Ressources, gestion de tâches, des ressources humaines ou de projetsPlanification d’entreprise ou d’organisationModélisation d’entreprise ou d’organisation
G06Q 30/02 - MarketingEstimation ou détermination des prixCollecte de fonds
G06Q 30/06 - Transactions d’achat, de vente ou de crédit-bail
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
38 - Services de télécommunications
42 - Services scientifiques, technologiques et industriels, recherche et conception
44 - Services médicaux, services vétérinaires, soins d'hygiène et de beauté; services d'agriculture, d'horticulture et de sylviculture.
Produits et services
Computer application software and downloadable software in the nature of a mobile application for managing users' insurance expenses and insurance plans, prescription drugs, prescription drug expenses, and prescription drug plans; Computer software applications and computer application software for mobile phones in the field of healthcare, namely, software for use as a health and medical decision support tool, for visualizing healthcare databased trends and rankings, for reading and comparing patient-provided reviews of physicians and medical facilities; Computer software applications and computer application software for mobile phones in the field of healthcare, namely, software for managing healthcare and medical information and history, for scheduling medical appointments, for researching the price, quality and availability of healthcare and medical providers; Computer software applications and computer application software for mobile phones in the field of healthcare, namely, software for calculating medical and healthcare costs and for communicating with healthcare and medical providers and personnel; computer software and computer application software for mobile phones, namely, software for integrating computer software and electronic data into and with computer networks and computer systems for physicians and healthcare providers; computer software and computer application software for mobile phones, namely, software for managing the transmission of healthcare and medical data; computer software and computer application software for mobile phones, namely, software for facilitating electronic user communications between individuals in the field of healthcare; computer software and computer application software for mobile phones, namely, software for managing employee healthcare savings plans, health insurance, and health care billing and reimbursement; computer software and computer application software for mobile phones, namely, software for collecting, storing, analyzing, evaluating and reporting survey results, patient reviews and data concerning healthcare providers; computer software and computer application software for mobile phones, namely, software for gathering, analyzing and managing patient reviews; computer software and computer application software for mobile phones, namely, software for researching and analyzing utilization, cost and quality data in the field of healthcare; computer software and computer application software for mobile phones, namely, software for scheduling appointment reminders in the field of health; computer software and computer application software for mobile phones, namely, software for managing health savings accounts; computer software and computer application software for mobile phones, namely, software for processing health care electronic financial transactions in the nature of processing electronic payments of copayments and issuing reimbursements to health savings accounts; computer software and computer application software for mobile phones, namely, software for providing access to information concerning health care financial benefits, including information about health savings accounts; computer software and computer application software for mobile phones, namely, software that enables users to invest their health savings accounts funds; Computer program, namely, for business planning and financial reporting; Computer software for providing a marketplace featuring health professionals; computer software for managing profiles of health professionals on marketplaces featuring health professionals; computer software for searching, sorting, filtering, flagging, tagging, editing, uploading, downloading, displaying, linking and sharing information about health professionals; computer software for ranking, rating, and reviewing health professionals; computer software in the field of health care, namely, software for providing electronic communication between health professionals and consumers; software for exchanging graphics, images, audio and audiovisual content between health professionals and consumers; software for scheduling and cancelling appointments for health professionals and consumers; software for processing payments for services rendered by health professionals; software for uploading, creating, modifying, and configuring digital content and programs related to health care, and software for viewing, listening, streaming, downloading, displaying, navigating, and interacting with digital content and programs related to health care; computer software in the field of health data, namely, software for processing health data; computer software for aggregating and consolidating health data from medical records, mobile devices, wearable devices and sensors, activity software applications, diet software applications, and nutrition software applications; computer software for uploading, storing, viewing, editing, tagging, downloading, accessing, linking, and sharing health data; computer software for performing data analytics on health data; computer software for analyzing, filtering, normalizing, and synthesizing health data; computer software for providing health-related recommendations generated from performing data analysis of health data. Business consulting services; promoting the goods and services of others via a global computer network and via electronic communications network; advertising and commercial information services via the Internet; compiling of information into computer databases; custom writing services comprising marketing materials in the nature of copy writing and dialog scripts for interactive websites for advertising and promotional purposes; Business services provided to the healthcare industry, namely, collection, reporting, and analysis of healthcare quality data for business purposes; business data analytics services, namely, analysis of business data related to delivery of care, the efficacy of care, the cost of care and the quality of care in the field of healthcare; Providing an on-line searchable database featuring business information in the nature of contact information for healthcare professionals; Collection and analysis of quality metric data for health care providers and patients for business purposes; work force management consultancy and advisory services; providing information related to work force management, employment, human resources and human capital management; data compiling and analyzing of business data in the fields of employee benefits, human capital management, employee compensation, information systems and business process management; providing information via an Internet website portal in the fields of human capital management, employee compensation in the nature of payroll administration, and business process management; conducting business research and surveys in the fields of employee benefits, human capital management, employee compensation and business process management; consulting services in the field of human resources communications; providing information in the fields human resources capital management, employee compensation in the nature of payroll administration, and business processes; providing information in the field of employment and human resources via an online website; Managing and providing an online marketplace featuring health professionals; managing profiles of health professionals on online marketplaces featuring health professionals; online services for scheduling and cancelling appointments for health professionals and consumers; online services in the field of health data, namely, online services for processing health data; online services for aggregating and consolidating health data from medical records, mobile devices, wearable devices and sensors, activity software applications, diet software applications, and nutrition software applications; online services for compiling data analytics on health data for business purposes; online services for analyzing, filtering, normalizing, and synthesizing health data for business purposes; advertising services in the field of health via an online electronic communications network; advertising and promoting goods and services of others in the field of health via a computer network; promoting goods and services in the field of health by providing coupons, offers, rebates, reward cards, links to the retail websites or applications of others, online catalogs featuring consumer goods, comparison shopping, and discount information in the field of health; business consulting services to advertisers in creating, managing, and organizing advertising in the field of health; electronic retail store services featuring healthcare products and services; computerized online ordering services featuring consumer goods and services in the field of health; providing a web site featuring ratings, reviews and recommendations on goods and services in the field of health; Providing information in the field of employee health benefit plans to employers, health maintenance organizations, insurance companies and third-party benefits administrators; administration of employee health benefit plans, and enrollment services related thereto, for employers, health maintenance organizations, insurance companies and thirdparty benefits administrators; administrative support services for employee benefit plans, namely, consulting in the field of employee health and financial benefit plans, for employers, health maintenance organizations, insurance companies and third-part benefits administrators; all of the above provided by means of a global computer network; administration and management of employee benefit plans, namely, health insurance benefit plan administration, and retirement benefit plan administration; data compiling and analyzing for financial purposes in the fields of employee benefits, human capital management, employee compensation, information systems and business process management; consulting services in the field of employee benefit plans administration, namely, health benefit plan administration and retirement benefit plan administration; providing an Internet website portal in the fields of employee health and retirement benefits. Providing information in the field of employee financial benefit plans; Providing information in the field of insurance distribution and employee financial benefit plans to employers, health maintenance organizations, insurance companies and third-party benefits administrators; Providing an on-line searchable database featuring financial information about medical benefits in the nature of cost estimates for medical and health care services based on the user's insurance provider; financial administration and financial management of health savings accounts; providing electronic payment processing of healthcare paymenttransactions in the nature of electronic payment processing of healthcare co-payments and reimbursements for health savings accounts via a global computer network; financial services and investment services, namely, investment of health savings account funds for others; financial management of health savings accounts and medical savings Accounts; Online services for processing payments for services rendered by health professionals. Online services in the field of health care, namely, online services for providing electronic communication between health professionals and consumers. Providing computer services, namely providing temporary use of online non-downloadable software for computer application software and downloadable software in the nature of a mobile application for managing users' insurance expenses and insurance plans, prescription drugs, prescription drug expenses, and prescription drug plans; Providing computer services, namely providing temporary use of online non-downloadable software for computer software applications and computer application software for mobile phones in the field of healthcare, namely, software for use as a health and medical decision support tool, for visualizing healthcare databased trends and rankings, for reading and comparing patient-provided reviews of physicians and medical facilities; Providing computer services, namely providing temporary use of online non-downloadable software for computer software applications and computer application software for mobile phones in the field of healthcare, namely, software for managing healthcare and medical information and history, for scheduling medical appointments, for researching the price, quality and availability of healthcare and medical providers; Providing computer services, namely providing temporary use of online non-downloadable software for computer software applications and computer application software for mobile phones in the field of healthcare, namely, software for calculating medical and healthcare costs and for communicating with healthcare and medical providers and personnel; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for integrating computer software and electronic data into and with computer networks and computer systems for physicians and healthcare providers; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for managing the transmission of healthcare and medical data; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for facilitating electronic user communications between individuals in the field of healthcare; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for managing employee healthcare savings plans, health insurance, and health care billing and reimbursement; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for collecting, storing, analyzing, evaluating and reporting survey results, patient reviews and data concerning healthcare providers; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for gathering, analyzing and managing patient reviews; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for researching and analyzing utilization, cost and quality data in the field of healthcare; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for scheduling appointment reminders in the field of health; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for managing health savings accounts; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for processing health care electronic financial transactions in the nature of processing electronic payments of copayments and issuing reimbursements to health savings accounts; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software for providing access to information concerning health care financial benefits, including information about health savings accounts; Providing computer services, namely providing temporary use of online non-downloadable software for computer software and computer application software for mobile phones, namely, software that enables users to invest their health savings accounts funds; Providing computer services, namely providing temporary use of online non-downloadable software for computer program, namely, for business planning and financial reporting; Providing computer services, namely providing temporary use of online non-downloadable software for computer software for providing a marketplace featuring health professionals; Providing computer services, namely providing temporary use of online non-downloadable software for omputer software for managing profiles of health professionals on marketplaces featuring health professionals; Providing computer services, namely providing temporary use of online non-downloadable software for computer software for searching, sorting, filtering, flagging, tagging, editing, uploading, downloading, displaying, linking and sharing information about health professionals; Providing computer services, namely providing temporary use of online non-downloadable software for computer software for ranking, rating, and reviewing health professionals; Providing computer services, namely providing temporary use of online non-downloadable software for computer software in the field of health care, namely, software for providing electronic communication between health professionals and consumers; Providing computer services, namely providing temporary use of online non-downloadable software for software for exchanging graphics, images, audio and audiovisual content between health professionals and consumers; Providing computer services, namely providing temporary use of online non-downloadable software for software for scheduling and cancelling appointments for health professionals and consumers; Providing computer services, namely providing temporary use of online non-downloadable software for software for processing payments for services rendered by health professionals; Providing computer services, namely providing temporary use of online non-downloadable software for software for uploading, creating, modifying, and configuring digital content and programs related to health care, and software for viewing, listening, streaming, downloading, displaying, navigating, and interacting with digital content and programs related to health care; Providing computer services, namely providing temporary use of online non-downloadable software for computer software in the field of health data, namely, software for processing health data; Providing computer services, namely providing temporary use of online non-downloadable software for computer software for aggregating and consolidating health data from medical records, mobile devices, wearable devices and sensors, activity software applications, diet software applications, and nutrition software applications; Providing computer services, namely providing temporary use of online non-downloadable software for computer software for uploading, storing, viewing, editing, tagging, downloading, accessing, linking, and sharing health data; Providing computer services, namely providing temporary use of online non-downloadable software for computer software for performing data analytics on health data; Providing computer services, namely providing temporary use of online non-downloadable software for computer software for analyzing, filtering, normalizing, and synthesizing health data; Providing computer services, namely providing temporary use of online non-downloadable software for computer software for providing health-related recommendations generated from performing data analysis of health data; computer services, namely online services for exchanging graphics, images, audio and audiovisual content between health professionals and consumers; hosting non-downloadable software allowing users to research, identify, and compare healthcare fees to plan healthcare services and manage healthcare spending; hosting an online non-downloadable Internet-based system application featuring technology enabling users to manage insurance expenses and insurance plans, prescription drugs, prescription drug expenses, and prescription drug plans; Creating interactive websites and mobile application software for use by others to help their employees make decisions regarding financial wellness, health insurance, retirement savings and other employee benefits; Providing hosting interactive websites featuring non-downloadable software and mobile applications for the delivery of marketing, educational and other communications; developing software to help businesses with customer and employee interactions, engagement, surveying, optimization, analytics, testing and reviews; hosting temporary use of a web-based software application for managing, monitoring and tracking the performance and effectiveness of advertising and marketing campaigns across multiple channels; design and development of computer software for others; website development for others for use in delivering marketing, educational and other communications; computer services, namely, creating interactive websites and computer software development in the field of mobile applications for others to help employees make decisions regarding financial wellness, health insurance, retirement savings and other employee benefits; Software as a service services featuring software for the administration of employee health and welfare benefit plans, including for enrollment and registration services pertaining to such plans; technical support services, namely, administration and troubleshooting of software for use in administering employee health and financial benefit plans; hosting an online computer web site featuring temporary use of nondownloadable computer software in the field of healthcare, namely, software for use as a health and medical decision support tool, for visualizing healthcare databased trends and rankings, for researching the quality and availability of healthcare and medical providers, and for communicating with ealthcare and medical providers and personnel; hosting an online computer web site featuring temporary use of nondownloadable computer software in the field of healthcare, namely, software for managing healthcare and medical information and medical history data and for scheduling medical appointments; application service provider (ASP) featuring software for integrating computer software and electronic data into and with computer networks and computer systems for physicians and healthcare providers; application service provider (ASP) featuring software for managing employee healthcare savings plans, health insurance and health care billing and reimbursement; application service provider (ASP) featuring software for tracking, collecting and managing health data and for scheduling appointment reminders in the field of health; application service provider (ASP) featuring software for managing the transmission of healthcare and medical data; application service provider (ASP) featuring software for facilitating electronic user communications between individuals in the field of healthcare; application service provider (ASP) featuring software for collecting, storing, analyzing, evaluating and reporting survey results, patient reviews and data concerning healthcare providers; application service provider (ASP) featuring software for gathering, analyzing and managing patient reviews; application service provider (ASP) featuring software for researching and analyzing utilization, cost and quality data in the field of healthcare; application service provider featuring on-line application programming interface (API) software for use with web based widgets, namely, embeddable sections of internet computer software code with functionality for integrating electronic healthcare and medical content with internet enabled devices and platforms, data display devices and online websites; database development services in the field of healthcare; hosting an online computer web site featuring temporary use of nondownloadable computer software in the field of healthcare, namely, software for the administration and management of health savings accounts; hosting an online computer web site featuring temporary use of nondownloadable computer software in the field of healthcare, namely, processing health care electronic financial transactions in the nature of processing electronic payments of co-payments and issuing reimbursements to health savings accounts; hosting an online computer web site featuring temporary use of nondownloadable computer software for providing access to information concerning health care financial benefits, including information about health savings accounts; hosting an online computer web site featuring temporary use of nondownloadable computer software that enables users to invest their health savings accounts funds; software as a service (SaaS) services featuring software for the administration and management of health savings accounts; software as a service (SaaS) services featuring software for processing health care electronic financial transactions in the nature of processing electronic payments of co-payments and issuing reimbursements to health savings accounts; software as a service (SaaS) services featuring software for providing access to information concerning health care financial benefits, including information about health savings accounts; software as a service (SaaS) services featuring software that enables users to invest their health savings accounts funds; hosting an online computer web site featuring temporary use of nondownloadable software in the field of healthcare, namely, software used as health and medical decision support tools, and for visualizing healthcare data-based trends and rankings, researching the quality and/or availability of healthcare and medical providers, and communicating with healthcare and medical providers and personnel; Software as a service (SAAS) services, featuring software for business planning and financial reporting. Providing information in the field of healthcare fees and costs and providing an interactive website featuring the ratings, reviews and recommendations on services in the field of health professionals; Providing counseling and consulting in the field of healthcare benefits; providing information in the field of healthcare benefits; healthcare communication services, namely, providing medical service reminders and information; Providing health care information, advice and counseling, in person, by telephone, by mail and online.
15.
Machine-learning driven data analysis and healthcare recommendations
A data processing system for machine-learning driven data analysis implements obtaining digital healthcare service provider information associated with one or more digital healthcare service providers and query parameters information from a user searching for digital healthcare service providers that may provide digital healthcare services to employees of the user. The system analyzes query parameter information using a first machine learning model to obtain category information. The system analyzes the category information and the digital health service provider information to predict digital healthcare service providers that provide services that the user may be interested in provided to the employees. These predictions are provided to the user as digital healthcare service recommendations.
G06F 16/2457 - Traitement des requêtes avec adaptation aux besoins de l’utilisateur
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
16.
MACHINE-LEARNING DRIVEN DATA ANALYSIS BASED ON DEMOGRAPHICS, RISK AND NEED
A data processing system for recommending insurance plans implements obtaining an electronic copy of demographic information associated with a user; analyzing the demographic information with a first machine learning model to recommend a bundle of insurance policies based on the demographic information, wherein the first machine learning model is configured to group insured people having similar demographics into clusters and to generate the bundle of insurance policies based on predicted medical insurance consumption associated with a respective group into which the model predicts that the first user falls; customizing the recommended bundle of insurance policies based on the demographic information associated with the user to generate a customized bundle of insurance policies; generating an insurance recommendation report that presents the customized bundle of insurance policies to the user; and causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report.
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
A data processing system for insurance claims analysis and adjudication implements obtaining policy coverage information for each of a plurality of insurance policies and insurance claim information associated with a plurality of insurance claims associated with an insured user, analyzing the insurance claim information using a first machine learning to obtain event-related claim grouping information; analyzing the event-related claim grouping information and the standardized policy information using the second machine learning model to obtain coverage prediction information comprising a prediction, for each event of the one or more events, identifying a respective insurance policy of the plurality of insurance policies likely to cover the one or more claims associated with each event, the second machine learning model being trained using second training data formatted according to the standard schema; and providing, via a network connection, the coverage prediction information to a computing device associated with the insured user.
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
A data processing system for machine-learning driven price guidance implements obtaining location information indicative of a location associated with a user; obtaining prescription information for a first prescription and first cost prescription; obtaining, from one or more pharmacy benefits managers, prescription cost information for a prescription from a plurality of pharmacies; analyzing the prescription cost information, the location associated with the user, and the prescription information using a machine learning model to obtain a prescription cost information prediction indicating that a first subset of the plurality of pharmacies provide the prescription at a second prescription cost lower than the first prescription cost; providing the prescription cost information prediction to a pharmacy recommendation unit as an input; generating a prescription savings opportunity report that presents the prescription cost information; and causing a user interface of a display of a computing device to present the prescription savings opportunity report.
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
A data processing system for machine-learning driven data analysis and reminders implements obtaining an electronic copy of demographic information and an electronic copy of insurance and benefits information associated with a user; providing the demographic information and the insurance and benefits information to a first machine learning model; analyzing the demographic information and the insurance and benefits information with the first machine learning model to output a first benefits utilization prediction that the one or more benefits are available to the user; providing the first benefits utilization prediction as an input to a recommendation engine; generating, using the recommendation engine, a benefits usage summary recommendation report that presents the information regarding the one or more benefits available to the user based on the first benefits utilization prediction; and causing a user interface of a display of a computing device to present the benefits usage summary recommendation report.
G06Q 50/00 - Technologies de l’information et de la communication [TIC] spécialement adaptées à la mise en œuvre des procédés d’affaires d’un secteur particulier d’activité économique, p. ex. aux services d’utilité publique ou au tourisme
A data processing system for machine-learning driven price guidance implements obtaining location information indicative of a location associated with a user; obtaining prescription information for a first prescription and first cost prescription; obtaining, from one or more pharmacy benefits managers, prescription cost information for a prescription from a plurality of pharmacies; analyzing the prescription cost information, the location associated with the user, and the prescription information using a machine learning model to obtain a prescription cost information prediction indicating that a first subset of the plurality of pharmacies provide the prescription at a second prescription cost lower than the first prescription cost; providing the prescription cost information prediction to a pharmacy recommendation unit as an input; generating a prescription savings opportunity report that presents the prescription cost information; and causing a user interface of a display of a computing device to present the prescription savings opportunity report.
A data processing system for recommending insurance plans implements obtaining an electronic copy of demographic information associated with a user; analyzing the demographic information with a first machine learning model to recommend a bundle of insurance policies based on the demographic information, wherein the first machine learning model is configured to group insured people having similar demographics into clusters and to generate the bundle of insurance policies based on predicted medical insurance consumption associated with a respective group into which the model predicts that the first user falls; customizing the recommended bundle of insurance policies based on the demographic information associated with the user to generate a customized bundle of insurance policies; generating an insurance recommendation report that presents the customized bundle of insurance policies to the user; and causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
A data processing system for machine-learning driven data analysis and reminders implements obtaining an electronic copy of demographic information and an electronic copy of insurance and benefits information associated with a user; providing the demographic information and the insurance and benefits information to a first machine learning model; analyzing the demographic information and the insurance and benefits information with the first machine learning model to output a first benefits utilization prediction that the one or more benefits are available to the user; providing the first benefits utilization prediction as an input to a recommendation engine; generating, using the recommendation engine, a benefits usage summary recommendation report that presents the information regarding the one or more benefits available to the user based on the first benefits utilization prediction; and causing a user interface of a display of a computing device to present the benefits usage summary recommendation report.
A data processing system for insurance claims analysis and adjudication implements obtaining policy coverage information for each of a plurality of insurance policies and insurance claim information associated with a plurality of insurance claims associated with an insured user, analyzing the insurance claim information using a first machine learning to obtain event-related claim grouping information; analyzing the event-related claim grouping information and the standardized policy information using the second machine learning model to obtain coverage prediction information comprising a prediction, for each event of the one or more events, identifying a respective insurance policy of the plurality of insurance policies likely to cover the one or more claims associated with each event, the second machine learning model being trained using second training data formatted according to the standard schema; and providing, via a network connection, the coverage prediction information to a computing device associated with the insured user.
G06N 5/04 - Modèles d’inférence ou de raisonnement
G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p. ex. basé sur des systèmes experts médicaux
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p. ex. pour la gestion du personnel hospitalier ou de salles d’opération
G16H 20/10 - TIC spécialement adaptées aux thérapies ou aux plans d’amélioration de la santé, p. ex. pour manier les prescriptions, orienter la thérapie ou surveiller l’observance par les patients concernant des médicaments ou des médications, p. ex. pour s’assurer de l’administration correcte aux patients
09 - Appareils et instruments scientifiques et électriques
35 - Publicité; Affaires commerciales
36 - Services financiers, assurances et affaires immobilières
41 - Éducation, divertissements, activités sportives et culturelles
42 - Services scientifiques, technologiques et industriels, recherche et conception
44 - Services médicaux, services vétérinaires, soins d'hygiène et de beauté; services d'agriculture, d'horticulture et de sylviculture.
Produits et services
Downloadable computer application software and downloadable software in the nature of a mobile application for managing users' insurance expenses and insurance plans, prescription drugs, prescription drug expenses, and prescription drug plans; Downloadable computer software applications and downloadable computer application software for mobile phones in the field of healthcare, namely, software for use as a health and medical decision support tool, for visualizing healthcare data-based trends and rankings, for reading and comparing patient-provided reviews of physicians and medical facilities, for managing healthcare and medical information and history, for scheduling medical appointments, for researching the price, quality and availability of healthcare and medical providers, for calculating medical and healthcare costs and for communicating with healthcare and medical providers and personnel; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for integrating computer software and electronic data into and with computer networks and computer systems for physicians and healthcare providers; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for managing the transmission of healthcare and medical data; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for facilitating electronic user communications between individuals in the field of healthcare; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for managing employee healthcare savings plans, health insurance, and health care billing and reimbursement; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for collecting, storing, analyzing, evaluating and reporting survey results, patient reviews and data concerning healthcare providers; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for gathering, analyzing and managing patient reviews; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for researching and analyzing utilization, cost and quality data in the field of healthcare; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for scheduling appointment reminders in the field of health; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for managing health savings accounts; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for processing health care electronic financial transactions in the nature of processing electronic payments of co-payments and issuing reimbursements to health savings accounts; Downloadable computer software and downloadable computer application software for mobile phones, namely, software for providing access to information concerning health care financial benefits, including information about health savings accounts; Downloadable computer software and downloadable computer application software for mobile phones, namely, software that enables users to invest their health savings accounts funds; Downloadable computer program, namely, for business planning and financial reporting; Downloadable computer software for providing a marketplace featuring health professionals; Downloadable computer software for managing profiles of health professionals on marketplaces featuring health professionals; Downloadable computer software for searching, sorting, filtering, flagging, tagging, editing, uploading, downloading, displaying, linking and sharing information about health professionals; Downloadable computer software for ranking, rating, and reviewing health professionals; Downloadable computer software in the field of health care, namely, software for providing electronic communication between health professionals and consumers, software for exchanging graphics, images, audio and audiovisual content between health professionals and consumers, software for scheduling and cancelling appointments for health professionals and consumers, software for processing payments for services rendered by health professionals, software for uploading, creating, modifying, and configuring digital content and programs related to health care, and software for viewing, listening, streaming, downloading, displaying, navigating, and interacting with digital content and programs related to health care; Downloadable computer software in the field of health data, namely, software for processing health data; Downloadable computer software for aggregating and consolidating health data from medical records, mobile devices, wearable devices and sensors, activity software applications, diet software applications, and nutrition software applications; Downloadable computer software for uploading, storing, viewing, editing, tagging, downloading, accessing, linking, and sharing health data; Downloadable computer software for performing data analytics on health data; Downloadable computer software for analyzing, filtering, normalizing, and synthesizing health data; Downloadable computer software for providing health-related recommendations generated from performing data analysis of health data Providing information in the field of healthcare fees and costs for patients; Business consulting services in the field of cost management of healthcare, recommendation of healthcare benefits, and cost management recommendation of healthcare benefits; promoting the goods and services of others via a global computer network and via electronic communications network; advertising and commercial information services via the Internet; compiling of information into computer databases; custom writing services comprising marketing materials in the nature of copy writing and dialog scripts for interactive websites for advertising and promotional purposes; Business services provided to the healthcare industry, namely, collection, reporting, and analysis of healthcare quality data for business purposes; business data analytics services, namely, analysis of business data related to delivery of care, the efficacy of care, the cost of care and the quality of care in the field of healthcare; Providing an on-line searchable database featuring business information in the nature of contact information for healthcare professionals; Collection and analysis of quality metric data for health care providers and patients for business purposes; work force management consultancy and advisory services; providing information related to work force management, employment, human resources and human capital management; data compiling and analyzing of business data in the fields of employee benefits, human capital management, employee compensation, information systems and business process management; providing information via an Internet website portal in the fields of human capital management, employee compensation in the nature of payroll administration, and business process management; conducting business research and surveys in the fields of employee benefits, human capital management, employee compensation and business process management; consulting services in the field of human resources communications; providing information in the fields human resources capital management, employee compensation in the nature of payroll administration, and business processes; providing information in the field of employment and human resources via an online website; Managing and providing an online marketplace for buyers and sellers of services, namely, professional health care services; managing online marketplaces for buyers and sellers of services, namely, professional health care services, and managing profiles in connection therewith being on-line business directories featuring health care professionals; providing an interactive website featuring the ratings, reviews and recommendations on services in the field of health professionals; advertising services in the field of health via an online electronic communications network; advertising and promoting goods and services of others in the field of health via a computer network; promoting goods and services of others in the field of health by providing a website featuring coupons, discount offers, rebates, issuance of loyalty reward cards, links to the retail websites or software applications of others, distribution of online catalogs of others featuring consumer goods, price-comparison shopping information, and discount information in the field of health; business consulting services to advertisers in creating, managing, and organizing advertising in the field of health; electronic retail being online retail store services featuring health products; computerized online ordering services featuring consumer goods and services in the field of health; providing a web site featuring ratings, reviews and recommendations posted by consumers about local goods and service providers in the field of health care products and health care providers, for commercial purposes Providing counseling and consulting in the field of healthcare benefits for patients; providing information in the field of healthcare benefits for patients; Providing information in the field of employee health and financial benefit plans; Providing information in the field of insurance distribution and employee health and financial benefit plans to employers, health maintenance organizations, insurance companies and third-party benefits administrators; administration of employee health benefit plans, and enrollment services related thereto, for employers, health maintenance organizations, insurance companies and third-party benefits administrators; support services for employee benefit plans, namely, consulting in the field of employee health and financial benefit plans, for employers, health maintenance organizations, insurance companies and third-part benefits administrators; all of the above provided by means of a global computer network; Providing an on-line searchable database featuring financial information about medical benefits in the nature of cost estimates for medical and health care services based on the user's insurance provider; financial administration and financial management of health savings accounts; providing electronic payment processing of healthcare payment transactions in the nature of electronic payment processing of healthcare co-payments and reimbursements for health savings accounts via a global computer network; financial services and investment services, namely, investment of health savings account funds for others; financial management of health savings accounts and medical savings accounts; administration and management of employee benefit plans, namely, health insurance benefit plan administration, and retirement benefit plan administration; data compiling and analyzing for financial purposes in the fields of employee benefits, human capital management, employee compensation, information systems and business process management; consulting services in the field of employee benefit plans administration, namely, health benefit plan administration and retirement benefit plan administration; providing an Internet website portal in the fields of employee health and retirement benefits Education services, namely, providing online tutoring in the field of employee benefit plans; written text editing; editorial consulting services; content consulting services, namely, consultation on the publication of editorial content of sites accessible via a global network online services, namely, providing a website featuring technology that enables users in the nature of health professionals and consumers to schedule and cancel appointments; online services in the field of health data, namely, online services in the nature of providing a website featuring technology that enables users to process health data; online services in the nature of providing a website featuring technology that enables users to aggregate and consolidate health data from medical records, mobile devices, wearable devices and sensors, activity software applications, diet software applications, and nutrition software applications; online services in the nature of providing a website featuring technology that enables users to compile data analytics on health data for business purposes; online services in the nature of providing a website featuring technology that enables users to analyze, filter, normalize, and synthesize health data for business purposes; Online services, namely, providing a website featuring technology that enables users to process payments for services rendered by health professionals; Online services in the field of health care, namely, online services in the nature of providing a website featuring technology that enables users to provide electronic communication between health professionals and consumers; online services in the nature of providing a website featuring technology that enables users to exchange graphics, images, audio and audiovisual content between health professionals and consumers; Providing non-downloadable software allowing users to research, identify, and compare healthcare fees to plan healthcare services and manage healthcare spending; Providing an online non-downloadable Internet-based system application featuring technology enabling users to manage insurance expenses and insurance plans, prescription drugs, prescription drug expenses, and prescription drug plans; Creating interactive websites and mobile application software for use by others to help their employees make decisions regarding financial wellness, health insurance, retirement savings and other employee benefits; providing interactive websites featuring non-downloadable software and mobile applications for the delivery of marketing, educational and other communications; developing software to help businesses with customer and employee interactions, engagement, surveying, optimization, analytics, testing and reviews; providing temporary use of a web-based software application for managing, monitoring and tracking the performance and effectiveness of advertising and marketing campaigns across multiple channels; design and development of computer software for others; website development for others for use in delivering marketing, educational and other communications; computer services, namely, creating interactive websites and computer software development in the field of mobile applications for others to help employees make decisions regarding financial wellness, health insurance, retirement savings and other employee benefits; Software as a service services featuring software for the administration of employee health and welfare benefit plans, including for enrollment and registration services pertaining to such plans; technical support services, namely, administration and troubleshooting of software for use in administering employee health and financial benefit plans; Providing an online computer web site featuring temporary use of non-downloadable computer software in the field of healthcare, namely, software for use as a health and medical decision support tool, for visualizing healthcare data-based trends and rankings, for researching the quality and availability of healthcare and medical providers, and for communicating with healthcare and medical providers and personnel; providing an online computer web site featuring temporary use of non-downloadable computer software in the field of healthcare, namely, software for managing healthcare and medical information and medical history data and for scheduling medical appointments; application service provider (ASP) featuring software for integrating computer software and electronic data into and with computer networks and computer systems for physicians and healthcare providers; application service provider (ASP) featuring software for managing employee healthcare savings plans, health insurance and health care billing and reimbursement; application service provider (ASP) featuring software for tracking, collecting and managing health data and for scheduling appointment reminders in the field of health; application service provider (ASP) featuring software for managing the transmission of healthcare and medical data; application service provider (ASP) featuring software for facilitating electronic user communications between individuals in the field of healthcare; application service provider (ASP) featuring software for collecting, storing, analyzing, evaluating and reporting survey results, patient reviews and data concerning healthcare providers; application service provider (ASP) featuring software for gathering, analyzing and managing patient reviews; application service provider (ASP) featuring software for researching and analyzing utilization, cost and quality data in the field of healthcare; application service provider featuring on-line application programming interface (API) software for use with web based widgets, namely, embeddable sections of internet computer software code with functionality for integrating electronic healthcare and medical content with internet-enabled devices and platforms, data display devices and online websites; database development services in the field of healthcare; providing an online computer web site featuring temporary use of non-downloadable computer software in the field of healthcare, namely, software for the administration and management of health savings accounts; providing an online computer web site featuring temporary use of non-downloadable computer software in the field of healthcare, namely, processing health care electronic financial transactions in the nature of processing electronic payments of co-payments and issuing reimbursements to health savings accounts; providing an online computer web site featuring temporary use of non-downloadable computer software for providing access to information concerning health care financial benefits, including information about health savings accounts; providing an online computer web site featuring temporary use of non-downloadable computer software that enables users to invest their health savings accounts funds; software as a service (SaaS) services featuring software for the administration and management of health savings accounts; software as a service (SaaS) services featuring software for processing health care electronic financial transactions in the nature of processing electronic payments of co-payments and issuing reimbursements to health savings accounts; software as a service (SaaS) services featuring software for providing access to information concerning health care financial benefits, including information about health savings accounts; software as a service (SaaS) services featuring software that enables users to invest their health savings accounts funds; Providing an online computer web site featuring temporary use of non-downloadable software in the field of healthcare, namely, software used as health and medical decision support tools, and for visualizing healthcare data-based trends and rankings, researching the quality and/or availability of healthcare and medical providers, and communicating with healthcare and medical providers and personnel; Software as a service (SAAS) services, featuring software for business planning and financial reporting Healthcare communication services, namely, providing medical service reminders and information; Providing health care information, advice and counseling, in person, by telephone, by mail and online for individual subscribers and businesses and their employees participating in employer-sponsored health plans
A data processing system for insurance claims analysis and adjudication implements obtaining policy coverage information for each of a plurality of insurance policies and insurance claim information associated with an insured user, analyzing the insurance claim information using a first machine learning model to identify an occurrence of a first type of event and a first group of insurance claims associated with the first type of event; analyzing the first group of insurance claims, the policy information, and an indication of the first type of event using a second machine learning model to obtain a prediction whether a respective insurance policy will cover the first insurance claim; and responsive to determining that the respective insurance policy will cover the first insurance claim, causing a user interface to be presented on a display of a computing device associated with the insured user to guide the insured user through submitting the first insurance claim to an insurance provider associated with the respective insurance policy.
G06N 5/04 - Modèles d’inférence ou de raisonnement
G16H 50/20 - TIC spécialement adaptées au diagnostic médical, à la simulation médicale ou à l’extraction de données médicalesTIC spécialement adaptées à la détection, au suivi ou à la modélisation d’épidémies ou de pandémies pour le diagnostic assisté par ordinateur, p. ex. basé sur des systèmes experts médicaux
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
G16H 40/20 - TIC spécialement adaptées à la gestion ou à l’administration de ressources ou d’établissements de santéTIC spécialement adaptées à la gestion ou au fonctionnement d’équipement ou de dispositifs médicaux pour la gestion ou l’administration de ressources ou d’établissements de soins de santé, p. ex. pour la gestion du personnel hospitalier ou de salles d’opération
G16H 20/10 - TIC spécialement adaptées aux thérapies ou aux plans d’amélioration de la santé, p. ex. pour manier les prescriptions, orienter la thérapie ou surveiller l’observance par les patients concernant des médicaments ou des médications, p. ex. pour s’assurer de l’administration correcte aux patients
26.
Machine-learning driven data analysis based on demographics, risk, and need
A data processing system for recommending insurance plans implements obtaining an electronic copy of demographic information associated with a user; analyzing the demographic information with a first machine learning model to recommend a bundle of insurance policies based on the demographic information, wherein the first machine learning model is configured to group insured people having similar demographics into clusters and to generate the bundle of insurance policies based on predicted medical insurance consumption associated with a respective group into which the model predicts that the first user falls; customizing the recommended bundle of insurance policies based on the demographic information associated with the user to generate a customized bundle of insurance policies; generating an insurance recommendation report that presents the customized bundle of insurance policies to the user; and causing a user interface of a display of a computing device associated with the user to present the insurance recommendation report.
G16H 10/60 - TIC spécialement adaptées au maniement ou au traitement des données médicales ou de soins de santé relatives aux patients pour des données spécifiques de patients, p. ex. pour des dossiers électroniques de patients
G06Q 30/02 - MarketingEstimation ou détermination des prixCollecte de fonds
