Determining risks related to activities on insured properties using informatic sensor data

Patent metadata

Field	Value
Publication number	US-11526949-B1
Application number	US-202117148401-A
Country	US
Kind code	B1
Filing date	Jan 13, 2021
Priority date	Jan 10, 2014
Publication date	Dec 13, 2022
Grant date	Dec 13, 2022

Abstract

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.

First claim

What is claimed is:

1. A method, comprising:
receiving, by a server, a first set of data from one or more motion sensors configured to detect motion within a dwelling, wherein the one or more motion sensors are configured to cooperatively operate with an appliance sensor via a network;
determining, by the server, a value for a quantity of inhabitants within the dwelling based on the first set of data comprising indications of motion patterns in the dwelling;
transmitting, by the server, a first instruction based on the value for the quantity of inhabitants, wherein the first instruction is configured to command the appliance sensor to modify a capture frequency and actively capture a second set of data associated with one or more appliances;
receiving, by the server, the second set of data from the appliance sensor;
determining, by the server, a dwelling usage value based on the first set of data received from the one or more motion sensors and the second set of data received from the appliance sensor; and
generating, by the server, a second instruction to modify an insurance policy based on the dwelling usage value, the value for the quantity of inhabitants within the dwelling, or both.

2. The method of claim 1 , wherein the first set of data, the second set of data, or both, are received via aggregated data packets transmitted via the network to limit usage of the network, of the server, or both.

3. The method of claim 1 , comprising determining, by the server, an activity pattern based on the first set of data, the second set of data, or both, wherein the activity pattern indicates the occupancy within the dwelling at a scheduled time interval.

4. The method of claim 3 , comprising transmitting, by the server, the first instruction when the dwelling is occupied as indicated by the activity pattern.

5. The method of claim 3 , comprising updating the activity pattern based on subsequently received data from the one or more motion sensors, the appliance sensor, or both.

6. The method of claim 3 , wherein the activity pattern comprises a rest-activity pattern, a cooking activity pattern, a water consumption pattern, a daily energy consumption pattern, or any combination thereof.

7. The method of claim 1 , comprising mapping, by the server, the dwelling usage value to a predefined insurance policy and generating, by the server, the second instruction based on the mapping.

8. A system, comprising:
a plurality of sensors configured to capture data associated with a dwelling, wherein the plurality of sensors comprises:
an appliance sensor configured to capture data associated with one or more appliances associated with the dwelling; and
one or more motion sensors configured to detect motion within the dwelling and to cooperatively operate with the appliance sensor to capture the data associated with the one or more appliances based on the motion in the dwelling; and

a server coupled to the plurality of sensors, wherein the server is configured to perform operations comprising:
receiving a first set of data captured by the one or more motion sensors, wherein the first set of data is indicative of detected motions within the dwelling;
determining a value of a quantity of inhabitants within the dwelling based on the first set of data;
transmitting a first instruction configured to command the appliance sensor to modify a capture frequency and actively capture a second set of data associated with the one or more appliances;
receiving the second set of data captured by the appliance sensor;
determining a dwelling usage value based on the first set of data captured by the one or more motion sensors and the second set of data captured by the appliance sensor; and
generating a second instruction to modify an insurance policy based on the dwelling usage value, the value of the quantity of inhabitants within the dwelling, or both.

9. The system of claim 8 , wherein the server is configured to perform operations comprising:
determining an activity pattern based on the first set of data, the second set of data, or both; and
transmitting the first instruction based on the activity pattern.

10. The system of claim 8 , wherein each motion sensor of the one or more motion sensors is configured to detect motion within a respective field of vision associated with the dwelling.

11. The system of claim 8 , wherein the second instruction modifies the insurance policy by changing a premium, changing a deductible, changing a coverage amount, changing a coverage type, or any combination thereof.

12. The system of claim 8 , wherein the server is configured to provide guidance based on the dwelling usage value.

13. The system of claim 12 , wherein the guidance is associated with usage of the one or more appliances, financial budgeting, or both.

14. A non-transitory computer-readable medium, comprising instructions, wherein the instructions, when executed by processing circuitry, are configured to cause the processing circuitry to perform operations comprising:
receiving a first set of data captured by a plurality of motion sensors associated with a dwelling, wherein the first set of data is indicative of motion patterns within the dwelling;
determining a value for a quantity of inhabitants within the dwelling based on the first set of data;
transmitting a first instruction based on the value of the quantity of inhabitants to command an appliance sensor to modify a capture frequency and actively capture a second set of data associated with one or more appliances;
receiving the second set of data captured by the appliance sensor;
determining a dwelling usage value based on the first set of data and the second set of data; and
generating a second instruction to modify an insurance policy based on the dwelling usage value, the value of the quantity of inhabitants within the dwelling, or both.

15. The non-transitory computer-readable medium of claim 14 , wherein the instructions, when executed by the processing circuitry, are configured to cause the processing circuitry to determine an activity pattern based on the first set of data, the second set of data, or both.

16. The non-transitory computer-readable medium of claim 15 , wherein the instructions, when executed by the processing circuitry, are configured to cause the processing circuitry to perform operations comprising:
determining an expected monetary spending based on the activity pattern; and
providing guidance based on the expected monetary spending.

17. The non-transitory computer-readable medium of claim 16 , wherein the instructions, when executed by the processing circuitry, are configured to cause the processing circuitry to perform operations comprising:
comparing the expected monetary spending with a target monetary spending; and
providing the guidance based on the comparison between the expected monetary spending and the target monetary spending.

18. The non-transitory computer-readable medium of claim 15 , wherein the instructions, when executed by the processing circuitry, are configured to cause the processing circuitry to perform operations comprising:
determining an additional value of the quantity of inhabitants;
comparing the additional value of the quantity of inhabitants with the activity pattern; and
generating the second instruction to modify the insurance policy based on the dwelling usage value, the value of the quantity of inhabitants within the dwelling, the comparison between the additional value of the quantity of inhabitants and the activity pattern, or any combination

Assignees

• Usaa

Inventors

• Allen Michael J
• Devereaux Ramsey
• Read Spencer
• Franck David S
• Chandler William
• Wheeler Daniela
• Swain Kathleen L
• Haslam Justin D

Classifications

• G06F2218/12

  Classification; Matching · CPC title

• G06Q40/03

  Credit; Loans; Processing thereof · CPC title

• G06Q40/08 Primary

  Insurance · CPC title

• G06Q2220/00

  Business processing using cryptography · CPC title

• G06Q30/0215 Primary

  Including financial accounts · CPC title