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公开(公告)号：US12079876B1
公开(公告)日：2024-09-03
申请号：US17320683
申请日：2021-05-14
Applicant: Allstate Insurance Company
Inventor： Carolyn Parker , Robert H. Johnson , Nicholas A. Suizzo , Rothana Srey , Sean P. Willett , Regina Madigan , Nan Zhang
Abstract: Systems, methods, apparatuses, and computer-readable media for receiving data from one or more sensors associated with one or more home devices of a user, such as appliances, home systems, etc., receiving data from one or more sensors associated with a vehicle of the user, and/or receiving data associated with a lifestyle of the user are presented. In some examples, the data may aggregated and analyzed to assess risk associated with the user in order to determine or adjust an insurance rate, premium, and/or incentive.
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公开(公告)号：US11042945B1
公开(公告)日：2021-06-22
申请号：US16559200
申请日：2019-09-03
Applicant: Allstate Insurance Company
Inventor： Carolyn Parker , Robert H. Johnson , Nicholas A. Suizzo , Rothana Srey , Sean P. Willett , Regina Madigan , Nan Zhang
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices of a user, such as appliances, home systems, etc. and/or one or more sensors associated with a vehicle of the user, and/or receiving data associated with a lifestyle of the user are presented. In some examples, the data may aggregated and analyzed to assess risk associated with the user in order to determine or adjust an insurance rate or premium.
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公开(公告)号：US10810681B1
公开(公告)日：2020-10-20
申请号：US16458463
申请日：2019-07-01
Applicant: Allstate Insurance Company
Inventor： Carolyn Parker , Robert H. Johnson , Nicholas A. Suizzo , Rothana Srey , Sean P. Willett , Regina Madigan , Nan Zhang
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may also be used to determine an insurance rate or premium for a user associated with the home device(s). In some arrangements, the data may be used to determine an age of a home device, as well as a likelihood of failure of that device. This information may be used to determine or adjust insurance premiums or rates and/or provide incentives to users to repair or replace the home device(s).
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公开(公告)号：US11556997B1
公开(公告)日：2023-01-17
申请号：US16911846
申请日：2020-06-25
Applicant: Allstate Insurance Company
Inventor： Bryan Keith Corder , Robert H. Johnson , Regina Madigan , Carolyn Parker , Rothana Srey , Nicholas A. Suizzo , Sean P. Willett , Nan Zhang
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may be used to identify abnormal operating conditions in a first home. Based on the identified abnormal operating conditions a root cause of the abnormal operating conditions may be determined. A message may be transmitted to at least one additional home. The message may include the root cause of the abnormal operating conditions occurring in the first home. The message may be used to alert other homes to current conditions so that they can take preventive action. The data may also be used to determine an insurance rate or premium for participating homes.
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公开(公告)号：US10380692B1
公开(公告)日：2019-08-13
申请号：US14186187
申请日：2014-02-21
Applicant: Allstate Insurance Company
Inventor： Carolyn Parker , Robert H. Johnson , Nicholas A. Suizzo , Rothana Srey , Sean P. Willett , Regina Madigan , Nan Zhang
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may also be used to determine an insurance rate or premium for a user associated with the home device(s). In some arrangements, the data may be used to determine an age of a home device, as well as a likelihood of failure of that device. This information may be used to determine or adjust insurance premiums or rates and/or provide incentives to users to repair or replace the home device(s).
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Patent Agency Ranking
公开(公告)号：US11094018B1
公开(公告)日：2021-08-17
申请号：US16377743
申请日：2019-04-08
Applicant: Allstate Insurance Company
Inventor： Bryan Keith Corder , Robert H. Johnson , Regina Madigan , Carolyn Parker , Rothana Srey , Nicholas A. Suizzo , Sean P. Willett , Nan Zhang
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may be used to identify abnormal operating conditions in a first home. Based on the identified abnormal operating conditions a root cause of the abnormal operating conditions may be determined. A message may be transmitted to at least one additional home. The message may include the root cause of the abnormal operating conditions occurring in the first home. The message may be used to alert other homes to current conditions so that they can take preventive action. The data may also be used to determine an insurance rate or premium for participating homes.
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公开(公告)号：US20230196473A1
公开(公告)日：2023-06-22
申请号：US18081904
申请日：2022-12-15
Applicant: Allstate Insurance Company
Inventor： Bryan Keith Corder , Robert H. Johnson , Regina Madigan , Carolyn Parker , Rothana Srey , Nicholas A. Suizzo , Sean P. Willett , Nan Zhang
IPC: G06Q40/08
CPC classification number: G06Q40/08
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may be used to identify abnormal operating conditions in a first home. Based on the identified abnormal operating conditions a root cause of the abnormal operating conditions may be determined. A message may be transmitted to at least one additional home. The message may include the root cause of the abnormal operating conditions occurring in the first home. The message may be used to alert other homes to current conditions so that they can take preventive action. The data may also be used to determine an insurance rate or premium for participating homes.
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公开(公告)号：US10699346B1
公开(公告)日：2020-06-30
申请号：US14707768
申请日：2015-05-08
Applicant: Allstate Insurance Company
Inventor： Bryan Keith Corder , Robert H. Johnson , Regina Madigan , Carolyn Parker , Rothana Srey , Nicholas A. Suizzo , Sean P. Willett , Nan Zhang
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The system may determine a home profile and/or neighborhood rating factor which may be used to adjust insurance premiums. The home profile may be generated based on the normal operating conditions of the home based on the analysis of the sensor data. An insurance premium rate may be determined based on the generated home profile and neighborhood rating factor.
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公开(公告)号：US10430887B1
公开(公告)日：2019-10-01
申请号：US14186222
申请日：2014-02-21
Applicant: Allstate Insurance Company
Inventor： Carolyn Parker , Robert H. Johnson , Nicholas A. Suizzo , Rothana Srey , Sean P. Willett , Regina Madigan , Nan Zhang
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices of a user, such as appliances, home systems, etc. and/or one or more sensors associated with a vehicle of the user, and/or receiving data associated with a lifestyle of the user are presented. In some examples, the data may aggregated and analyzed to assess risk associated with the user in order to determine or adjust an insurance rate or premium.
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公开(公告)号：US10296978B1
公开(公告)日：2019-05-21
申请号：US14707678
申请日：2015-05-08
Applicant: Allstate Insurance Company
Inventor： Bryan Keith Corder , Robert H. Johnson , Regina Madigan , Carolyn Parker , Rothana Srey , Nicholas A. Suizzo , Sean P. Willett , Nan Zhang
Abstract: Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices, such as appliances, home systems, etc. are presented. In some examples, the data may be used to determine whether the home device is operating within an expected range. The data may be used to identify abnormal operating conditions in a first home. Based on the identified abnormal operating conditions a root cause of the abnormal operating conditions may be determined. A message may be transmitted to at least one additional home. The message may include the root cause of the abnormal operating conditions occurring in the first home. The message may be used to alert other homes to current conditions so that they can take preventive action. The data may also be used to determine an insurance rate or premium for participating homes.
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