Utilizing credit and informatic data for insurance underwriting purposes
원문보기
IPC분류정보
국가/구분
United States(US) Patent
등록
국제특허분류(IPC7판)
G06Q-040/00
G06Q-040/08
G06Q-040/02
출원번호
US-0305732
(2014-06-16)
등록번호
US-9818158
(2017-11-14)
발명자
/ 주소
Devereaux, Ramsey
Franck, David S.
Moritz, Karen
Read, Spencer
Wheeler, Daniela
Vaith, Eric
McCaw, Erin
Norman, Christopher
Healy, Jodi J.
Prasad, Bharat
Swain, Kathleen L.
Allen, Michael J.
출원인 / 주소
United Services Automobile Association (USAA)
대리인 / 주소
Fish & Richardson P.C.
인용정보
피인용 횟수 :
2인용 특허 :
26
초록▼
A computer device and method for processing risk or loss related data to determine insurance underwriting, pricing, or other decisions contingent upon informatic and credit score data. An insurance underwriting decision is identified which is to be rendered regarding an insured. Informatic data is r
A computer device and method for processing risk or loss related data to determine insurance underwriting, pricing, or other decisions contingent upon informatic and credit score data. An insurance underwriting decision is identified which is to be rendered regarding an insured. Informatic data is received from one or more of an insured property and vehicle associated with the insured. Credit score data relating to the insured is also received. Analytics is performed on the received informatic data and credit score data to determine the insurance underwriting, pricing, or other decision.
대표청구항▼
1. A sensor system for capturing data, the sensor system comprising: a dwelling sensor device comprising a transmitter coupled to a wireless network, the dwelling sensor device configured to: capture an attribute of a dwelling associated with a user, andtransmit the attribute of the dwelling associa
1. A sensor system for capturing data, the sensor system comprising: a dwelling sensor device comprising a transmitter coupled to a wireless network, the dwelling sensor device configured to: capture an attribute of a dwelling associated with a user, andtransmit the attribute of the dwelling associated with the user via the transmitter;a telematics device comprising a transmitter device and configured to: capture telematics data relating to a vehicle associated with the user, andtransmit the telematics data relating to the vehicle via the transmitter device;a data storage component wirelessly coupled to the dwelling sensor device via the wireless network, the data storage component configured to: receive, from the dwelling sensor device, the attribute of the dwelling, andaggregate the attribute of the dwelling over a period of time;a communication component coupled to the data storage component configured to: transmit the aggregated attribute of the dwelling; anda computer management module coupled to the communication component, via the wireless network, and programmed to: receive the aggregated attribute of the dwelling from the communication component;receive the telematics data from the telematics device;determine a driving score based on the telematics data, wherein the driving score reflects driving behaviors of the user;determine a state of activity in the dwelling based on an analysis of the attribute of the dwelling aggregated for the period of time, wherein the state of activity indicates a frequency of use of the dwelling by the user; anddetermine a value indicative of a risk associated with the user based upon an analysis of the driving score and the state of activity in the dwelling. 2. The sensor system as recited in claim 1, wherein the computer management module is further configure to render a decision regarding the user contingent upon the value indicative of a risk associated with the user. 3. The sensor system as recited in claim 2, wherein the decision relates to at least one of health insurance products, property insurance products, life insurance products, vehicle insurance products, and long term disability insurance products. 4. The sensor system as recited in claim 1, wherein the computer management module is further programmed to aggregate the telematics data over a second period of time. 5. The sensor system as recited in claim 4, wherein the driving score is further based upon the aggregate the telematics data. 6. A computer-implemented method for determining a value indicative of a risk associated with a user, the method comprising: receiving, over a period of time from a plurality of dwelling sensor devices, a plurality of attributes of a dwelling associated with a user;receiving, over the period of time from a telematics device, telematics data relating to a vehicle associated with the user;determining a driving score based on the telematics data, wherein the driving score reflects driving behaviors of the user;determining a state of activity in the dwelling based on an analysis of the attributes of the dwelling, wherein the state of activity indicates a frequency of use of the dwelling; anddetermining a value indicative of a risk associated with the user based upon an analysis of the driving score and the state of activity in the dwelling. 7. The computer-implemented method of claim 6 further comprising rendering a decision regarding the user contingent upon the value indicative of a risk associated with the user. 8. The computer-implemented method of claim 7, wherein the decision relates to at least one of health insurance products, property insurance products, life insurance products, vehicle insurance products, and long term disability insurance products. 9. The computer-implemented method of claim 6, further comprising determining a maintenance score for the dwelling based on the attributes of the dwelling. 10. The computer-implemented method of claim 9, wherein the value indicative of a risk associated with the user is further based upon the maintenance score. 11. The computer-implemented method of claim 9, wherein the attributes of the dwelling indicate a maintenance interval for an appliance in the dwelling. 12. The computer-implemented method of claim 9, wherein the attributes of the dwelling indicate a promptness of leak detection in the dwelling.
연구과제 타임라인
LOADING...
LOADING...
LOADING...
LOADING...
LOADING...
이 특허에 인용된 특허 (26)
Kestenbaum, Gerald Isaac, Apparatus and method for providing building management information.
Gelvin, David C.; Girod, Lewis D.; Kaiser, William J.; Merrill, William M.; Newberg, Fredric; Pottie, Gregory J.; Sipos, Anton I.; Vardhan, Sandeep, Apparatus for internetworked hybrid wireless integrated network sensors (WINS).
Denny Joseph Paul ; Sternagle Edward Wallace ; Allman Kenneth Scott, Data processing system and method for compiling data during property inspection and maintenance operations.
English, Gary Charles; Popadin, George K.; Zandes, Nicholas A., System and method for active insurance underwriting using registration data of IP-addressable devices.
Helitzer, Jonathan; Murchie, G. Stewart; Frey, Kelly L.; Kempton, Casey Ellen; Carvalko, Jr., Joseph R., System for adjusting insurance for a building structure through the incorporation of selected technologies.
Helitzer, Jonathan; Murchie, G. Stewart; Frey, Sr., Kelly L.; Campbell, Casey Ellen; Carvalko, Jr., Joseph R., System for reducing the risk associated with an insured building structure through the incorporation of selected technologies.
Helitzer, Jonathon; Murchie, G. Stewart; Frey, Kelly L.; Kempton, Casey Ellen; Carvalko, Jr., Joseph R., System for reducing the risk associated with an insured building structure through the incorporation of selected technologies.
Helitzer, Jonathon; Murchie, G. Stewart; Frey, Kelly L.; Kempton, Casey Ellen; Carvalko, Jr., Joseph R., System for the acquisition of technology risk mitigation information associated with insurance.
※ AI-Helper는 부적절한 답변을 할 수 있습니다.