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    Systems and methods for intelligent underwriting based on community or social network data
    1.
    发明授权
    Systems and methods for intelligent underwriting based on community or social network data 有权
    基于社区或社交网络数据的智能承保的系统和方法

    公开(公告)号：US08660864B2

    公开(公告)日：2014-02-25

    申请号：US13291609

    申请日：2011-11-08

    申请人： Jacqueline LeSage Krause ,  Anthony J. Grosso ,  David F. Peak ,  Eugene J. Walters

    发明人： Jacqueline LeSage Krause ,  Anthony J. Grosso ,  David F. Peak ,  Eugene J. Walters

    IPC分类号： G06Q40/00

    CPC分类号： G06Q30/0282 ,  G06F17/3053 ,  G06Q40/08 ,  G06Q50/01 ,  H04L51/32

    摘要： A system for underwriting using community and/or social networking based data includes an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information. Community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data. An underwriting decision for the potential entity to be insured may then be transmitted based at least in part on the community or social network rating data.

    摘要翻译： 使用基于社区和/或社交网络的数据进行承销的系统包括自动保险承保平台，用于通过访问和评估社区，基于社会和商业网络的信息来评估和定价保险单。 可以分析社区或社交网络评级数据，并将加权因子应用于社区或社交网络评级数据。 可能至少部分地基于社区或社交网络评级数据来传送潜在实体被保险人的承保决定。

    System and method for geocoded insurance processing using mobile devices
    4.
    发明授权
    System and method for geocoded insurance processing using mobile devices 有权
    使用移动设备进行地理编码保险处理的系统和方法

    公开(公告)号：US09558520B2

    公开(公告)日：2017-01-31

    申请号：US12754189

    申请日：2010-04-05

    申请人： David F. Peak ,  Andrew J. Amigo ,  Richard M. Borden ,  Keven J. Busque ,  Eugene J. Walters

    发明人： David F. Peak ,  Andrew J. Amigo ,  Richard M. Borden ,  Keven J. Busque ,  Eugene J. Walters

    IPC分类号： G06Q40/00 ,  G06Q40/08 ,  G06F19/00 ,  G06Q10/06 ,  G06Q10/10 ,  G06Q50/22 ,  G06Q50/24

    CPC分类号： G06Q40/08 ,  G01C21/3461 ,  G01C21/36 ,  G06F19/00 ,  G06F19/3418 ,  G06Q10/067 ,  G06Q10/10 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q50/22 ,  G06Q50/24 ,  G16H10/40 ,  G16H10/65

    摘要： Pursuant to some embodiments, insurance systems, methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data, a computer processor for executing program instructions and for retrieving the loss risk score data from the data storage device, a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor, a geocoding engine comprising program instructions stored in the memory for geocoding historical loss data and a plurality of loss risk factors, a scoring engine comprising program instructions stored in the memory for calculating a loss risk score for each of a plurality of geographical locations based on said historical loss data and said plurality of loss risk factors, and a communication device, coupled to the computer processor, to output loss risk score data based on geographical location.

    摘要翻译： 根据一些实施例，提供保险系统，方法和设备，其包括用于存储，更新和提供对损失风险评分数据的访问的数据存储设备，用于执行程序指令并从数据中检索损失风险评分数据的计算机处理器 存储设备，耦合到计算机处理器的存储器，用于存储由计算机处理器执行的程序指令;地理编码引擎，包括存储在存储器中的程序指令，用于对历史损失数据进行地理编码和多个损失风险因素;评分引擎，包括 存储在存储器中的程序指令，用于基于所述历史损失数据和所述多个损失风险因子计算多个地理位置中的每个地理位置的损失风险评分，以及耦合到计算机处理器的通信设备，以输出损失风险评分 基于地理位置的数据。

    System for Mobile Device Enabled Biometric Monitoring
    8.
    发明申请
    System for Mobile Device Enabled Biometric Monitoring 审中-公开
    移动设备启用生物识别监控系统

    公开(公告)号：US20160196391A1

    公开(公告)日：2016-07-07

    申请号：US14974876

    申请日：2015-12-18

    申请人： David F. Peak ,  Andrew J. Amigo ,  Richard M. Borden ,  Kevin J. Busque ,  Christopher Graham ,  Eugene J. Walters

    发明人： David F. Peak ,  Andrew J. Amigo ,  Richard M. Borden ,  Kevin J. Busque ,  Christopher Graham ,  Eugene J. Walters

    IPC分类号： G06F19/00 ,  G06Q50/24 ,  G06Q40/08

    摘要： Pursuant to some embodiments, systems, methods and devices are provided for processing including a mobile device coupled to a biometric sensor, the one mobile device including a medical monitoring application for collection of medical data for an individual from the biometric sensor. A risk assessment computer is configured to receive, from the mobile device, medical data for the individual; collect, from a data storage device storing static data corresponding to the plurality of individuals, static data corresponding to the individual; and update a medical profile corresponding to the individual based on an analysis of the medical data for the individual and the static data corresponding to the individual. The risk assessment computer periodically determines, based on the updated medical profile, a term of a policy corresponding to the individual.

    摘要翻译： 根据一些实施例，提供了系统，方法和设备用于包括耦合到生物测定传感器的移动设备的处理，所述一个移动设备包括用于从生物测定传感器收集个体的医疗数据的医疗监控应用。 风险评估计算机被配置为从移动设备接收个人的医疗数据; 从存储与多个个人对应的静态数据的数据存储装置收集对应于该个体的静态数据; 并且基于对个人的医疗数据的分析和对应于个人的静态数据来更新与个人对应的医疗简档。 风险评估计算机基于更新的医疗简档定期地确定与个人相对应的策略的术语。

    SYSTEMS AND METHODS FOR INTELLIGENT UNDERWRITING BASED ON COMMUNITY OR SOCIAL NETWORK DATA
    9.
    发明申请
    SYSTEMS AND METHODS FOR INTELLIGENT UNDERWRITING BASED ON COMMUNITY OR SOCIAL NETWORK DATA 有权
    基于社区或社交网络数据进行智能管理的系统和方法

    公开(公告)号：US20120221357A1

    公开(公告)日：2012-08-30

    申请号：US13291609

    申请日：2011-11-08

    申请人： Jacqueline LeSage Krause ,  Anthony J. Grosso ,  David F. Peak ,  Eugene J. Walters

    发明人： Jacqueline LeSage Krause ,  Anthony J. Grosso ,  David F. Peak ,  Eugene J. Walters

    IPC分类号： G06Q40/08

    CPC分类号： G06Q30/0282 ,  G06F17/3053 ,  G06Q40/08 ,  G06Q50/01 ,  H04L51/32

    摘要： A system for underwriting using community and/or social networking based data is disclosed. In some embodiments, an automated insurance underwriting platform for rating and pricing insurance policies through the accessing and evaluating of community, social and business network based information is implemented. According to some embodiments, community or social network rating data may be analyzed and weighting factors may be applied to the community or social network rating data. An underwriting decision for the potential entity to be insured may then be transmitted based at least in part on the community or social network rating data.

    摘要翻译： 公开了使用基于社区和/或社交网络的数据进行承保的系统。 在一些实施例中，实现了通过访问和评估基于社区，基于社会和商业网络的信息来评估和定价保险单的自动保险承保平台。 根据一些实施例，可以分析社区或社交网络评级数据，并且加权因子可以应用于社区或社交网络评级数据。 可能至少部分地基于社区或社交网络评级数据来传送潜在实体被保险人的承保决定。

    INSURANCE PROCESSING SYSTEM AND METHOD USING MOBILE DEVICES FOR PROOF OF OWNERSHIP
    10.
    发明申请
    INSURANCE PROCESSING SYSTEM AND METHOD USING MOBILE DEVICES FOR PROOF OF OWNERSHIP 有权
    保险处理系统和使用移动设备的方法用于所有权证明

    公开(公告)号：US20110161117A1

    公开(公告)日：2011-06-30

    申请号：US12877784

    申请日：2010-09-08

    申请人： Keven J. Busque ,  Andrew J. Amigo ,  Richard M. Borden ,  David F. Peak ,  Eugene J. Walters

    发明人： Keven J. Busque ,  Andrew J. Amigo ,  Richard M. Borden ,  David F. Peak ,  Eugene J. Walters

    IPC分类号： G06Q40/00 ,  G06K9/60

    CPC分类号： G06Q40/08 ,  G01C21/3461 ,  G01C21/36 ,  G06F19/00 ,  G06F19/3418 ,  G06Q10/067 ,  G06Q10/10 ,  G06Q20/3223 ,  G06Q20/3278 ,  G06Q50/22 ,  G06Q50/24 ,  G16H10/40 ,  G16H10/65

    摘要： Systems, methods and apparatus for creating, analyzing and updating a property inventory are disclosed which include receiving, from a user operating a mobile device, a request to add a new item of property to an insurance inventory associated with an insurance policy, the request including information identifying the new item, at least a first image of the new item, and information identifying a location of the new item. An insurance inventory system is operated to add the new item to an insurance inventory associated with the insurance policy, the updating including computing a total current value of the insurance inventory including the new item. A coverage engine is operated to compare coverage limits associated with the insurance policy to the total current value of the insurance inventory to determine if the total current value is within a coverage limit of the insurance policy. A response is transmitted to the user based on the determination.

    摘要翻译： 公开了用于创建，分析和更新财产清单的系统，方法和装置，其包括从用户操作移动设备接收将新的财产物品添加到与保险单相关联的保险库存的请求，所述请求包括 识别新项目的信息，至少新项目的第一图像以及标识新项目的位置的信息。 运行保险库存系统将新项目添加到与保险单相关联的保险库存中，更新包括计算包括新项目在内的保险库存的总现值。 运行覆盖引擎来比较与保险单相关的保险范围与保险库存的总现值，以确定总现值是否在保险单的保险期限内。 基于确定将响应发送给用户。