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公开(公告)号：US10713726B1
公开(公告)日：2020-07-14
申请号：US15365706
申请日：2016-11-30
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Shanna Limas , William Chandler , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
摘要： A system may include sensors associated with structures, such that the sensors acquire data sets associated with the structures. The processor receives the data sets from the sensors, determines environmental conditions associated with the structures over a period of time, and determines a structural condition associated with one of the structures based on the data sets. The processor also determines a maintenance condition associated with the one of the structures based on one of the data sets, determines operating parameters associated with appliances within the structure based on the one of the data sets, and determines habits of occupants associated with the one of the structures based on the one of the data sets. The processor then adjusts properties of an insurance policy associated with the one of the structures based on the environmental conditions, the structural condition, the maintenance condition, the operating parameters, the habits, or any combination thereof.
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公开(公告)号：US10510119B1
公开(公告)日：2019-12-17
申请号：US14273918
申请日：2014-05-09
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
摘要： A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.
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公开(公告)号：US11847666B1
公开(公告)日：2023-12-19
申请号：US17892844
申请日：2022-08-22
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
CPC分类号： G06Q30/0215 , G06Q10/20 , G06Q40/03 , G06Q40/08 , G06V20/176 , G06F2218/12 , G06Q40/00 , G06Q2220/00
摘要： A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.
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公开(公告)号：US11532006B1
公开(公告)日：2022-12-20
申请号：US17489473
申请日：2021-09-29
发明人： Michael J. Allen , Kathleen L. Swain , Cleburne R. Burgess , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler
摘要： The present disclosure relates generally to a system that includes a storage component that stores data and a processor. The processor may install an application using a portion of the storage component, partition the portion of the storage component from a remaining portion of the storage component, and execute the application via the portion of the storage component.
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公开(公告)号：US11461850B1
公开(公告)日：2022-10-04
申请号：US16896607
申请日：2020-06-09
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Shanna Limas , William Chandler , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
摘要： A system may include sensors associated with structures, such that the sensors acquire data sets associated with the structures. The processor receives the data sets from the sensors, determines environmental conditions associated with the structures over a period of time, and determines a structural condition associated with one of the structures based on the data sets. The processor also determines a maintenance condition associated with the one of the structures based on one of the data sets, determines operating parameters associated with appliances within the structure based on the one of the data sets, and determines habits of occupants associated with the one of the structures based on the one of the data sets. The processor then adjusts properties of an insurance policy associated with the one of the structures based on the environmental conditions, the structural condition, the maintenance condition, the operating parameters, the habits, or any combination thereof.
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公开(公告)号：US11423429B1
公开(公告)日：2022-08-23
申请号：US17128887
申请日：2020-12-21
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
摘要： A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.
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公开(公告)号：US11151657B1
公开(公告)日：2021-10-19
申请号：US15365764
申请日：2016-11-30
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , William Chandler , Daniela Wheeler , Kathleen L. Swain
IPC分类号： G06Q40/08
摘要： Systems and methods include: receiving informatics data from one or more sensors installed at a first set of one or more properties; aggregating and analyze the informatics data to generate one or more favorability scores based upon the informatics data; based upon the one or more favorability scores, determining a set of one or more insurance policy offers for a target property separate from the first set of one or more properties; and providing the set of one or more insurance policy offers for the target property to an insurance policyholder of the target property.
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公开(公告)号：US11416941B1
公开(公告)日：2022-08-16
申请号：US15896848
申请日：2018-02-14
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , William Chandler , Justin D. Haslam
摘要： A computer device and method for managing multiple electronic sensors is provided where a server receives building condition data from a motion sensor, analyzes the received data, and activates (or reconfigures) a camera sensor to capture an image of the inhabitants present within the building; the server then identifies the inhabitant of the building and retrieves profile data associated with the identified inhabitant; the server then, based on the profile data, generates an instruction to modify one or more conditions within the building (e.g., the environmental conditions of the building) and transmits the instruction to one or more devices (e.g., an environmental device) within the building.
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公开(公告)号：US10181159B1
公开(公告)日：2019-01-15
申请号：US14278182
申请日：2014-05-15
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
摘要： A computer device and method for processing loss related data to detect and initiate insurance claim events. Data is received from one or more sensor devices relating to insured property. Analysis is performed on the received data to determine one or more claim events regarding the insured property. An insurance policy, other product, or service contract associated with the insured property is received and analyzed to determine coverage for the insured property as prescribed by the insurance policy, other product, or service contract. Predefined business rules are applied using the determined one or more claim events and the determined coverage to determine if the insurance policy, other product, or service contract supports a claim regarding the one or more claim events. Notification of the claim is provided if it is determined supported by the insurance policy, other product, or service contract.
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公开(公告)号：US09886723B1
公开(公告)日：2018-02-06
申请号：US14324759
申请日：2014-07-07
发明人： Ramsey Devereaux , Michael J. Allen , Spencer Read , David S. Franck , William Chandler , Daniela Wheeler , Kathleen L. Swain
IPC分类号： G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/20 , G06Q40/025 , G06Q2220/00
摘要： A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.
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