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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
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。
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2.发明申请公开(公告)号：US20130117050A1
公开(公告)日：2013-05-09
申请号：US13716367
申请日：2012-12-17
申请人： Gregory H. Berg , Andrew J. Amigo , David F. Peak
发明人： Gregory H. Berg , Andrew J. Amigo , David F. Peak
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/06398 , G07C5/08
摘要： A data processing system includes a processor for determining a percentage share to assign a share of relative risk in an insurance pool between an insurer, a first safety vendor and at least one other safety vendor. The processor is further configured to allocate portions of the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors, to aggregate by the insurer loss information related to the insurance pool, and transmit the loss information to the safety vendors. Also, the processor may allocate portions of a claim liability or a received premium associated with the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors.
摘要翻译： 数据处理系统包括处理器，用于确定百分比份额以分配在保险人，第一安全供应商和至少一个其他安全供应商之间的保险库中的相对风险份额。 处理器还被配置为根据分配给保险公司和安全供应商的确定股份，在保险公司和安全供应商之间分配部分保险库，由保险人与保险库相关的损失信息汇总，并传送损失 信息给安全厂商。 此外，处理器可以根据分配给保险人和安全供应商的确定的份额，在保险人和安全供应商之间分配与保险池相关联的索赔责任或接收溢价的部分。
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3.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
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。
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4.发明申请公开(公告)号：US20110161116A1
公开(公告)日：2011-06-30
申请号：US12754189
申请日：2010-04-05
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。
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公开(公告)号：US08359259B2
公开(公告)日：2013-01-22
申请号：US12617152
申请日：2009-11-12
申请人： Gregory H. Berg , Andrew J. Amigo , David F. Peak
发明人： Gregory H. Berg , Andrew J. Amigo , David F. Peak
IPC分类号： G06Q40/00
CPC分类号： G06Q40/08 , G06Q10/06398 , G07C5/08
摘要： A data processing system includes a processor that is configured for determining a percentage share to assign a share of relative risk in an insurance pool between an insurer, a first safety vendor and at least one other safety vendor. The processor is further configured to allocate portions of the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors, to aggregate by the insurer loss information related to the insurance pool, and transmit the loss information to the safety vendors. Also, the processor is configured to allocate portions of a claim liability or a received premium associated with the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors. The data processing system also includes a memory for storing the determined shares assigned to the insurer and the safety vendors.
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6.发明申请INSURANCE PROCESSING SYSTEMS AND METHODS USING MOBILE DEVICES FOR MEDICAL MONITORING 有权保险加工系统和使用移动设备进行医疗监控的方法公开(公告)号：US20110161100A1
公开(公告)日：2011-06-30
申请号：US12816025
申请日：2010-06-15
申请人： David F. Peak , Andrew J. Amigo , Richard M. Borden , Keven J. Busque , Christopher Graham , Eugene J. Walters
发明人： David F. Peak , Andrew J. Amigo , Richard M. Borden , Keven J. Busque , Christopher Graham , Eugene J. Walters
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, systems, methods and devices are provided for insurance processing including installing a medical monitoring application associated with a user of a mobile device, the medical monitoring application including configuration data associated with at least a first medical monitoring rule, displaying, under control of the medical monitoring application, a series of instructions to cause the mobile device to be configured to communicate with at least a first biometric sensor, collecting, based on the at least first medical monitoring rule, a set of biometric data from the at least first biometric sensor, and transmitting the set of biometric data from the mobile device to a remote processing system for processing a request for insurance.
摘要翻译： 根据一些实施例，提供了用于保险处理的系统，方法和设备，包括安装与移动设备的用户相关联的医疗监控应用，所述医疗监视应用包括与至少第一医疗监控规则相关联的配置数据， 控制医疗监视应用程序，一系列指令，使移动设备被配置为与至少第一生物测定传感器进行通信，基于至少第一医疗监视规则，从至少第一生物测定传感器收集一组生物特征数据 第一生物特征传感器，并将该组生物特征数据从移动设备发送到用于处理保险请求的远程处理系统。
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7.发明申请公开(公告)号：US20110137684A1
公开(公告)日：2011-06-09
申请号：US12633366
申请日：2009-12-08
申请人： David F. Peak , Andrew J. Amigo
发明人： David F. Peak , Andrew J. Amigo
摘要： A method includes a computer which receives telematics data relating to a vehicle operated by a driver. The telematics data is associated with a match index. The match index indicates that the telematics data is pertinent to the driver without indicating the driver's identity. The computer receives other data relating to the driver. The other data is associated with the match index. The computer uses the match index to associate the telematics data with the other data. The computer uses the associated telematics data and the other data to generate a driver classification for the driver.
摘要翻译： 一种方法包括接收与由驾驶员操作的车辆有关的远程信息处理数据的计算机。 远程信息处理数据与匹配索引相关联。 匹配指数表示远程信息处理数据与驾驶员无关，而不指示驾驶员身份。 计算机接收与驾驶员有关的其他数据。 其他数据与匹配索引相关联。 计算机使用匹配索引将远程信息处理数据与其他数据相关联。 计算机使用相关联的远程信息数据和其他数据为驱动程序生成驱动程序分类。
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8.发明授权公开(公告)号：US09558520B2
公开(公告)日：2017-01-31
申请号：US12754189
申请日：2010-04-05
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。
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公开(公告)号：US20160171624A1
公开(公告)日：2016-06-16
申请号：US15049884
申请日：2016-02-22
申请人： Gregory H. Berg , Andrew J. Amigo , David F. Peak
发明人： Gregory H. Berg , Andrew J. Amigo , David F. Peak
CPC分类号： G06Q40/08 , G06Q10/06398 , G07C5/08
摘要： A data processing system includes a processor for determining a percentage share to assign a share of relative risk in an insurance pool between an insurer, a first safety vendor and at least one other safety vendor. The processor is further configured to allocate portions of the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors, to aggregate by the insurer loss information related to the insurance pool, and transmit the loss information to the safety vendors. Also, the processor may allocate portions of a claim liability or a received premium associated with the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors.
摘要翻译： 数据处理系统包括处理器，用于确定百分比份额以分配在保险人，第一安全供应商和至少一个其他安全供应商之间的保险库中的相对风险份额。 处理器还被配置为根据分配给保险公司和安全供应商的确定股份，在保险公司和安全供应商之间分配部分保险库，由保险人与保险库相关的损失信息汇总，并传送损失 信息给安全厂商。 此外，处理器可以根据分配给保险人和安全供应商的确定的份额，在保险人和安全供应商之间分配与保险池相关联的索赔责任或接收溢价的部分。
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公开(公告)号：US08510133B2
公开(公告)日：2013-08-13
申请号：US12816025
申请日：2010-06-15
申请人： David F. Peak , Andrew J. Amigo , Richard M. Borden , Keven J. Busque , Christopher Graham , Eugene J. Walters
发明人： David F. Peak , Andrew J. Amigo , Richard M. Borden , Keven J. Busque , Christopher Graham , Eugene J. Walters
IPC分类号： G06Q40/00
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, systems, methods and devices are provided for insurance processing including installing a medical monitoring application associated with a user of a mobile device, the medical monitoring application including configuration data associated with at least a first medical monitoring rule, displaying, under control of the medical monitoring application, a series of instructions to cause the mobile device to be configured to communicate with at least a first biometric sensor, collecting, based on the at least first medical monitoring rule, a set of biometric data from the at least first biometric sensor, and transmitting the set of biometric data from the mobile device to a remote processing system for processing a request for insurance.
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