Zenprexi Bio-Risk™ scores worker physiological readiness — the missing layer between vehicle telematics and ergonomic telemetry — turning continuous biometric signals into a privacy-preserving 0–100 score that carriers can underwrite and platforms can act on in real time.
A complete operator-state picture has three components. The industry has mature instrumentation for two of them. The third — physiological readiness during the work period — has been structurally invisible to underwriting and dispatch decisions until now.
Speed, braking, cornering, lane discipline. Captured at the vehicle. Mature ecosystem; carriers have integrated this for over a decade.
Posture, lift mechanics, repetitive-motion patterns. Captured by wearables and video. Established loss-control category, especially in workers’ compensation.
Continuous fusion of heart-rate variability, cardiovascular load, movement coordination, and sleep debt — resolved into a banded readiness state on a normalized 0–100 scale.
Every existing safety system asks: is this person likely to fail? Zenprexi Bio-Risk™ asks two questions in parallel — likelihood and certainty — and only intervenes when both clear threshold. That is the dual-score architecture disclosed in the filed patent specification.
A continuous likelihood estimate drawn from static and contextual factors — environmental conditions, task characteristics, time-on-task, and equipment context, among other inputs.⁴
A statistical-confidence layer that measures how much trust to place in the current Risk Score, derived from the quality and consistency of the underlying behavioral and physiological telemetry.⁵
The two scores are evaluated together rather than in isolation. The system produces three categories of response — from passive monitoring, to a supervisor-facing data-verification request, to a Direct Intervention PANT™ reaching the operator — calibrated so that the strongest action requires the strongest combined evidence.
The result is a system that escalates carefully. False positives don’t reach the operator, and supervisor attention is reserved for events the platform is confident enough to stand behind.
The same dual-score engine that powers underwriting analytics produces a subject-authorized, time-bounded credential. Workers opt in. Platforms see a banded operational signal — green, amber, or red. Carriers see an aggregate risk profile. No party ever sees raw biometrics.
The credential is voluntarily issued and revocable. Authorization propagates within fifteen minutes per the subject-controlled interface disclosed in Provisional #3.
Platform partners receive Green / Yellow / Red readiness states, never numeric scores and never raw HRV. The banding architecture is covered by U.S. 64/064,692.
Verification is calculated and refreshed continuously throughout the work period — not a static record. The credential expires by design.
A credential earned on one partner platform travels with the worker. The architecture is designed for a credentialed workforce model, not a single-platform feature.
The privacy guarantees are structural: raw biometrics never leave the edge device, only normalized scores cross the trust boundary, and platform partners receive banded operational signals rather than continuous data. Each tier is disclosed in US 63/976,499 and US 64/064,692.
HRV, heart-rate, accelerometer data, and behavioral telemetry are processed on-device. The transmission boundary is downstream of calculation.
Model improvement occurs through encrypted gradients with a per-transmission privacy budget ε ≤ 1.0. The training set never centralizes.
Platform partners receive Green / Yellow / Red operational signals. Carriers receive aggregate risk profiles. Neither sees underlying biometric values.
The IP estate is the defensibility story. Each provisional covers a distinct architectural layer — the engine, the privacy hierarchy, the banded disclosure framework, and the multi-signal fusion subsystems. Consolidation for the statutory November 2026 deadline is in progress.
Extensive enterprise sales and business development. Built the demonstration system. Strategy, fundraising, partnership relationships.
20+ years risk intelligence and technology delivery. Founded profitable government contracting firm. Operational discipline for regulated environments. Executed employment agreement.
25+ years enterprise IT. Scales MVP to production. Engineering leadership and enterprise security. Executed employment agreement.
IBM PC co-inventor. 45+ U.S. patents. National Inventors Hall of Fame. Provides IP strategy, technical validation, and enterprise architecture guidance. Executed advisor agreement with equity.
Insurance industry veteran with deep expertise in the captive insurance market. Holds the CRIS (Construction Risk and Insurance Specialist) designation. Advises on insurance industry strategy, alternative risk transfer structures, and go-to-market positioning for the carrier segment. Executed advisor agreement with equity.
Deployment partners and investors enter through different doors. Either path starts with a 30-minute discovery conversation.
mpeck@zenprexi.com · Charlotte, NC
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We’ll respond within one business day. If your inquiry is time-sensitive, you can also reach Michael directly at mpeck@zenprexi.com.
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The Zenprexi Bio-Risk™ platform operates under a separate, structurally privacy-preserving architecture. Raw biometric data is processed on-device and never transmitted off the edge layer. Federated learning gradients are encrypted and bounded by a per-transmission privacy budget ε ≤ 1.0. Subject-authorized banded signals are the only data shared with platform partners.
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Zenprexi, Inc.
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Zenprexi, Inc.
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