Purchase and Activity Health Risk Assessment for Targeted Incentives

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

Healthcare providers face challenges in reducing healthcare costs while providing cost-effective, targeted items to patients, and there is a need to understand patient health risks based on everyday activities and consumption habits.

Innovation Solution

A system that analyzes data from merchants and activity tracking services to determine health impacts, selects targeted advertisements, and allocates incentives to users based on demographic and health information, which can be applied to healthcare bills.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If healthcare providers analyze patient data from merchants and activity tracking services to determine health risks, then understanding of patient health risks is improved, but system complexity and data processing requirements increase

Engineering Contradiction:
Improvehealth risk understandingVSAvoidsystem complexity
Core Design Contradiction:
Measurement precisionVSDevice complexity

Solution Approach 1:

The system segments health risk assessment into distinct components: purchasing behavior analysis from merchant data, activity level analysis from tracking services, and demographic factor analysis. Each component processes specific data types independently before integrating results to determine overall health risks, reducing system complexity while improving measurement precision.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent introduces an intermediary processing layer that receives data from multiple sources (merchants, activity tracking services, demographic databases) and transforms this heterogeneous data into standardized health risk assessments. This intermediary layer manages data integration complexity while providing precise health risk measurements to healthcare providers.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Loss of energy

If the system provides targeted incentives and advertisements to patients, then healthcare cost reduction is improved, but data processing and user profiling complexity increase

Engineering Contradiction:
Improvehealthcare costVSAvoiddata processing complexity
Core Design Contradiction:
Loss of energyVSDevice complexity

Solution Approach 1:

The system applies local quality by providing customized incentives and advertisements tailored to each patient's specific health risks, purchasing behaviors, and activity levels. Rather than uniform approaches, the system adjusts incentive types and advertising content to match individual patient profiles, maximizing cost reduction effectiveness while managing processing complexity through targeted rather than universal processing.

Inventive Principle:
Principle #3Local quality

Solution Approach 2:

The patent utilizes parameter changes by adjusting incentive magnitudes, advertisement frequencies, and offer types based on varying patient parameters such as health risk levels, demographic characteristics, and observed behaviors. This dynamic parameter adjustment optimizes healthcare cost reduction while the system manages complexity through structured parameter relationships rather than uncontrolled data processing.

Inventive Principle:
Principle #35Parameter changes

3Measurement precision

If the system monitors patient activity levels and purchasing behaviors continuously, then health risk assessment accuracy is improved, but information processing requirements and privacy concerns increase

Engineering Contradiction:
Improvehealth risk assessment accuracyVSAvoidinformation processing requirements
Core Design Contradiction:
Measurement precisionVSLoss of information

Solution Approach 1:

The system performs preliminary actions by establishing data processing frameworks and privacy protection protocols before continuous monitoring begins. Patient data collection structures, analysis methodologies, and privacy safeguards are pre-configured based on anticipated monitoring needs, allowing accurate health risk assessment while managing information processing requirements through advance planning rather than reactive processing.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS12450632B2Health impacts of purchases and activities
Publication Date: 2025.10.21 US BANK NATIONAL ASSOCIATION
  • US12450632B2 patent drawing
  • US12450632B2 patent drawing
  • US12450632B2 patent drawing

AI summary

A system for evaluating health risk is provided. The system may be configured for requesting first data from a merchant associated with a user and second data from an activity tracking service associated with the user. The system may also comprise analyzing the item to determine a first health impact for the item based on the item and demographic information associated with the user. The system may further comprise analyzing the level of activity to determine a second health impact from the level of activity based on the level of activity and the demographic information associated with the user. The system may further comprise selecting an advertisement based on medical data, and at least one of the first health impact, the second health impact and the demographic information associated with the user.