[특허]Streamlined property insurance application and renewal process

Streamlined property insurance application and renewal process 원문보기

IPC분류정보
국가/구분	United States(US) Patent 등록
국제특허분류(IPC7판)	G06Q-040/08 G06K-009/00
출원번호	US-0324748 (2014-07-07)
등록번호	US-10102584 (2018-10-16)
발명자 / 주소	Devereaux, Ramsey Davis, Mark Allen, Michael J. Read, Spencer Swain, Kathleen L.
출원인 / 주소	United Services Automobile Association (USAA)
대리인 / 주소	Fish & Richardson P.C.
인용정보	피인용 횟수 : 0 인용 특허 : 32

초록 ▼

An insurance data gathering process contingent upon dynamically captured image and informatics sensor data. The captured image data may be used to facilitate rapid insurance-related decisions. In regards to a decision to be rendered for a property insurance policy, at least one image is retrieved associated with the property. One or more accounts associated with the insured are identified and one or more risks characteristics are identified regarding the insured. An aggregated dataset is provided from the at least one image, one or more accounts and risk characteristics associated with the insured. Predictive analysis is performed on the aggregated dataset to render a risk profile for the insured regarding an insurance policy for the property. A decision is rendered regarding the insured and the insurance policy based at least in-part upon the rendered risk profile.

대표청구항 ▼

1. A sensor system comprising: a plurality of sensor devices each configured to capture data of a different attribute of a property, each sensor device having a transmitter configured to couple to a network for transmitting the captured property attribute data via the network, the plurality of sensor devices including: a first camera device configured to capture a first digital image of an elevational view of the property;a second camera device configured to capture a second digital image of an aerial or a facade view of the property; anda structural sensor device for capturing structural condition data relating to one or more structural conditions associated with the property;a data storage component coupled to each of the plurality of sensors devices via the network, wherein the data storage component is configured to aggregate captured data regarding different attributes of the property received from each of the sensor devices, the captured data including the first digital image, the second digital image, and the structural condition data;a communication component coupled to the data storage component configured to: encrypt the aggregated captured data; andtransmit the aggregated captured encrypted data via the Internet; anda computer management module coupled to the communication component, via the Internet, and programmed to: receive the aggregated encrypted data from the communication component regarding the attributes of the property;render a three-dimensional model representative of the property utilizing the first and second digital images captured from the first camera device and the second camera device respectively and the structural condition data captured by the structural sensor device, wherein the three-dimensional model provides visual indications of features of the property;identify risk characteristics for the property based on a predictive analysis performed using the three-dimensional model to determine interactions between the features of the property;transmit the three-dimensional model and the identified risk characteristics for the property to a user device for display. 2. The system as recited in claim 1, wherein the user device is a smartphone device. 3. The system as recited in claim 1, wherein the features of the property include exterior constructions features of the property. 4. The system as recited in claim 1, wherein the features of the property include roof construction features of the property. 5. The system as recited in claim 1, wherein the features of the property include indication of a number of windows associated with the property. 6. The system as recited in claim 1, wherein the features of the property include proximity indication of nature elements relative to the property. 7. The system as recited in claim 1, wherein the network coupled to the plurality of sensor devices is a Wide Area Network (WAN). 8. The system as recited in claim 1, wherein the network coupled to the plurality of sensor devices is a Cellular Network. 9. The system as recited in claim 1, wherein the communication component is configured as one of an Ethernet card or Wi-Fi card.

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