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公开(公告)号：US11138672B1
公开(公告)日：2021-10-05
申请号：US16247275
申请日：2019-01-14
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：US11532005B1
公开(公告)日：2022-12-20
申请号：US17099355
申请日：2020-11-16
发明人： Ramsey Devereaux , David C. Ault , Christina N. Nickel , Elizabeth J. Rubin , Daniela Wheeler , Justin D. Haslam , Thuy Hugos , Spencer Read , Ann C. Tarrillion
摘要： A computer device and method for processing informatic data from one or more sensor devices associated with a property are provided herein. A first set of informatics data of a first property at a first period of time are analyzed to identify a first operating characteristic associated operating the first property. Operational changes to be implemented at a second property are identified based upon an operational efficiency of the first operating characteristic over a second operating characteristic of the second property. Second sensor data of the second property is used to determine that at least one of the identified operational changes has been implemented. Provision of a discount, a rebate, a monetary transfer, or any combination thereof is provided based upon the implementation.
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3.发明授权公开(公告)号：US11526949B1
公开(公告)日：2022-12-13
申请号：US17148401
申请日：2021-01-13
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , William Chandler , Daniela Wheeler , Kathleen L. Swain , Justin D. Haslam
IPC分类号： G06Q40/08
摘要： A computer device and method for processing data to determine suggested modifications to the policy terms or conditions contingent upon informatic data relating to habits and activities of inhabitants of an insured property or location. Informatic data relating to an insured property or location is electronically received from at least one informatic sensor device and is analyzed to determine behavioral habits and activities of one or more inhabitants associated with the insured property so as to identify one or more risks associated with the insured property or location. Electronic data is received for one or more terms of an insurance policy associated with the insured property and is analyzed to determine suggested modifications to the policy terms or conditions based upon the determined behavioral habits and activities of the one or more inhabitants associated with the insured property.
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公开(公告)号：US11532004B1
公开(公告)日：2022-12-20
申请号：US16908208
申请日：2020-06-22
发明人： Ramsey Devereaux , David S. Franck , Karen Moritz , Spencer Read , Daniela Wheeler , Eric Vaith , Erin McCaw , Christopher Norman , Jodi J. Healy , Bharat Prasad , Kathleen L. Swain , Michael J. Allen
摘要： Systems and methods include one or more dwelling sensors configured to generate sensor data representative of characteristics of a dwelling; a telematics device configured to generate telematics data representative of operational characteristics of a vehicle; and an analysis server. The analysis server receives the sensor data; receives the telematics data; receives credit information regarding an insured; and determines one or more insurance policy decisions based upon the sensor data, the telematics data, and the credit information the one or more insurance policy decisions comprising: a premium amount, a deductible amount, a coverage amount, a coverage term, or any combination there of for the insured.
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公开(公告)号：US10699348B1
公开(公告)日：2020-06-30
申请号：US15365773
申请日：2016-11-30
发明人： Ramsey Devereaux , David S. Franck , Karen Moritz , Spencer Read , Daniela Wheeler , Eric Vaith , Erin McCaw , Christopher Norman , Jodi J. Healy , Bharat Prasad , Kathleen L. Swain , Michael J. Allen
摘要： Systems and methods include one or more dwelling sensors configured to generate sensor data representative of characteristics of a dwelling; a telematics device configured to generate telematics data representative of operational characteristics of a vehicle; and an analysis server. The analysis server receives the sensor data; receives the telematics data; receives credit information regarding an insured; and determines one or more insurance policy decisions based upon the sensor data, the telematics data, and the credit information the one or more insurance policy decisions comprising: a premium amount, a deductible amount, a coverage amount, a coverage term, or any combination there of for the insured.
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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：US11941702B1
公开(公告)日：2024-03-26
申请号：US15365555
申请日：2016-11-30
发明人： Ramsey Devereaux , David S. Franck , Michael J. Allen , Daniela Wheeler , Spencer Read , Kathleen L. Swain
CPC分类号： G06Q40/08 , G06F16/24 , G06V20/17 , H04N23/90 , G06Q50/163
摘要： A system may include a plurality of camera devices configured to acquire image data associated with a property. The system may also include a processor that receives the image data from the plurality of camera devices, receives insurance policy data associated with the property from a database, and adjusts one or more terms of the insurance policy data based on the image data.
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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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