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公开(公告)号：US20230161305A1
公开(公告)日：2023-05-25
申请号：US18094731
申请日：2023-01-09
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , EllaKate Wagner , Michael Harris, JR. , Jennylind Sun
IPC分类号： G05B15/02 , H04L12/28 , G01C21/20 , H04W4/024 , G08B13/22 , G06Q30/018 , G06Q50/16 , G08B21/02 , G08B21/04 , G08B21/18 , H04W4/02 , G06Q30/01 , G06V40/16 , H04N23/661 , G08B7/06 , G06Q40/08 , G08B17/10 , H04L67/12 , G06Q10/20
CPC分类号： G05B15/02 , H04L12/2818 , G01C21/20 , H04W4/024 , G08B13/22 , H04L12/283 , H04L12/2825 , G06Q30/018 , G06Q50/163 , G08B21/02 , G08B21/043 , G08B21/0446 , G08B21/0461 , G08B21/182 , H04W4/02 , G06Q30/01 , G08B21/185 , G06V40/172 , H04N23/661 , G08B7/066 , G06Q40/08 , G08B7/062 , G08B17/10 , H04L67/12 , G06Q10/20 , H04W4/90
摘要： Methods and systems that manage building code compliance are provided. A smart or interconnected home may be populated with multiple smart or other devices that are in wired or wireless communication with a central controller. The smart devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The controller may receive building code compliance information associated with the smart devices, and may update an inventory list to include the building code compliance information. The controller may detect that one or more devices do not comply with building code requirements. The controller may transmit a notification to a customer about possible corrective actions to remedy non-compliant conditions and to facilitate building code compliance. The smart devices may be associated with appliances, electronics, wiring, pipes, ducts, or other equipment or personal belongings. Insurance discounts may be provided based upon the building code compliance functionality.
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公开(公告)号：US20210142648A1
公开(公告)日：2021-05-13
申请号：US14873904
申请日：2015-10-02
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
摘要： Methods and systems for automatically mitigating risks of damage caused by the breaking of a circuit are provided. A smart home controller and/or insurance provider remote processor may analyze data, with customer permission, received from a smart device disposed on, within, or proximate to a property associated with monitoring the flow of electricity. If it is determined that risk of damage due to the flow of electricity being cut off exists, the smart home controller or remote processor may automatically issue commands to the smart device to take actions mitigating the risk. The smart home controller may transmit information about the risk(s) to a homeowner and/or an insurance provider. The insurance provider remote processor may interpret the transmitted data and perform insurance activities, such as providing a discount or premium, and/or adjusting an insurance policy associated with the property based upon the insured property being equipped with risk mitigation functionality.
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公开(公告)号：US20230251610A1
公开(公告)日：2023-08-10
申请号：US18134756
申请日：2023-04-14
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
CPC分类号： G05B15/02 , G06Q40/08 , H04L12/2818
摘要： The present embodiments relate to managing the operation of devices within a home or other property based upon electrical usage data. With customer knowledge or consent, a home controller may retrieve and analyze electrical usage data corresponding to a device, such as by comparing it to certain threshold data. If the analysis results in a trigger condition, the controller may generate a command, and transmit the command to the device for implementation, allowing modification of device operation to address any issues indicated in the electrical usage data. In some implementations, the controller may notify a home owner/occupant. As a result, faulty devices may be managed prior to their faults causing damage to the device and/or the property, and/or property owners may be timely prompted to investigate, repair, and/or replace a failing device. Insurance discounts may be provided based upon the risk mitigation/prevention functionality.
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公开(公告)号：US20220215732A1
公开(公告)日：2022-07-07
申请号：US17701316
申请日：2022-03-22
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna L. Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
摘要： The present embodiments relate to detecting instances of individuals being in peril within an independent or assisted living environment. According to certain aspects, with an individual's permission or affirmative consent, a hardware controller (such as a smart or interconnected home controller, or even a mobile device) may receive and analyze sensor data detected within the independent or assisted living environment to determine whether an individual may be in peril. In this circumstance, the hardware controller may generate a notification that indicates the situation and may communicate the notification to a proper individual, such as a family member or care giver, who may be in a position to mitigate or alleviate any risks posed by the situation. The foregoing functionality also may be used by an insurance provider to generate, update, or adjust insurance policies, premiums, rates, or discounts, and/or make recommendations to an insured individual.
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公开(公告)号：US20210158671A1
公开(公告)日：2021-05-27
申请号：US17170659
申请日：2021-02-08
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
摘要： Methods and systems for generating a response to detecting a fire on a property are provided. In certain aspects, a smart home controller (or other smart controller) may analyze data received from smart devices disposed on, within, or proximate to a property. If it is determined that a fire is present on the premises of the property, the smart home controller may determine a location of the fire as compared to the smart devices. The smart home controller may then generate and transmit instructions causing a portion of the smart devices to perform a set of actions to mitigate risks associated with the presence of the fire on the property. The smart home controller may also compare the location of the fire with a location of an occupant, and generate an escape route for the occupant. Insurance policies, premiums, or discounts may be adjusted based upon the fire response/mitigation functionality.
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公开(公告)号：US20240013640A1
公开(公告)日：2024-01-11
申请号：US17167963
申请日：2021-02-04
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
IPC分类号： G08B13/22
CPC分类号： G08B13/22
摘要： The present embodiments relate to identifying property intrusion events based upon sensor data received from smart devices populated about a home. A smart home controller may compare the sensor data to baseline sensor data to dynamically identify an intrusion event that may be occurring. The controller may generate a notification and determine an action to perform to facilitate damage or risk mitigation. Accordingly, an individual associated with the home may be notified of the event, and then select to perform the action, such as via their mobile device. In some implementations, the controller may automatically perform the action. As a result, in response to computer identification of an intrusion event, corrective action may be taken or prompted, or otherwise any damage caused by the intrusion event may be mitigated, reducing insurance claims or claim amounts associated with intrusion events. Insurance discounts may be provided based upon the risk mitigation functionality.
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公开(公告)号：US20220334544A1
公开(公告)日：2022-10-20
申请号：US17857880
申请日：2022-07-05
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna L. Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
IPC分类号： G05B15/02 , H04L12/28 , G01C21/20 , H04W4/024 , G08B13/22 , G06Q30/00 , G06Q50/16 , G08B21/02 , G08B21/04 , G08B21/18 , H04W4/02 , G06V40/16 , G08B7/06 , G06Q40/08 , G08B17/10 , H04L67/12 , G06Q10/00 , H04N5/232
摘要： The present embodiments relate to detecting instances of individuals being in peril within an independent or assisted living environment. According to certain aspects, with an individual's permission or affirmative consent, a hardware controller (such as a smart or interconnected home controller, or even a mobile device) may receive and analyze sensor data detected within the independent or assisted living environment to determine whether an individual may be in peril. In this circumstance, the hardware controller may generate a notification that indicates the situation and may communicate the notification to a proper individual, such as a family member or care giver, who may be in a position to mitigate or alleviate any risks posed by the situation. The foregoing functionality also may be used by an insurance provider to generate, update, or adjust insurance policies, premiums, rates, or discounts, and/or make recommendations to an insured individual.
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公开(公告)号：US20220215733A1
公开(公告)日：2022-07-07
申请号：US17706302
申请日：2022-03-28
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna L. Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
摘要： The present embodiments relate to detecting instances of individuals being in peril within an independent or assisted living environment. According to certain aspects, with an individual's permission or affirmative consent, a hardware controller (such as a smart or interconnected home controller, or even a mobile device) may receive and analyze sensor data detected within the independent or assisted living environment to determine whether an individual may be in peril. In this circumstance, the hardware controller may generate a notification that indicates the situation and may communicate the notification to a proper individual, such as a family member or care giver, who may be in a position to mitigate or alleviate any risks posed by the situation. The foregoing functionality also may be used by an insurance provider to generate, update, or adjust insurance policies, premiums, rates, or discounts, and/or make recommendations to an insured individual.
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公开(公告)号：US20220020094A1
公开(公告)日：2022-01-20
申请号：US16673362
申请日：2019-11-04
发明人： Michael Harris, JR.
摘要： The method, system, and computer-readable medium facilitates a peer to peer marketplace created and maintained by an insurance provider. The provider enables sharing of goods and services among policyholders. A listing including a listing category for a good or service to be offered in the peer to peer marketplace can be received. An insurance policy quote to cover a rental transaction of the good or service offered in the listing can be generated, and both the listing and quote can be stored in a data repository. Next, a search category can be received, and one or more listings can be determined to be pertinent based on the search category. The determined pertinent listings can be presented and the rental transaction can be received.
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公开(公告)号：US20200302549A1
公开(公告)日：2020-09-24
申请号：US16899380
申请日：2020-06-11
发明人： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , EllaKate Wagner , Michael Harris, JR. , Jennylind Sun
摘要： Methods and systems are provided that manage warranty information. A home may be populated with smart or other devices that are in wired or wireless communication with a central controller. The smart devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The controller may receive warranty information for the devices, and may update an inventory list to include the warranty information. The controller may detect that the warranty information indicates that a warranty corresponding to a smart device is about to expire. The controller may transmit a notification to a customer mobile device that informs the customer about, or prompts the customer to take, possible corrective actions. The smart devices may be associated with appliances, electronics, computers, televisions, jewelry, vehicles, furniture, or other equipment or personal belongings. Insurance discounts may be provided based upon the warranty management functionality.
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