IDENTIFYING AND RECOMMENDING INSURANCE POLICY PRODUCTS/SERVICES USING INFORMATIC SENSOR DATA

Patent №

US 10,783,588

Granted

2020-09-22

Filed 2018

Owner

UNITED SERVICES AUTOMOBILE ASSOCIATION

Lab

—

AI components

kr · planning

Assignment

Recorded

Dataset

AIPD

2023_r1 edition

Application

15912465

A computer system and method for processing insurance claim data to identify and recommend insurance policy modifications using informatic data from one or more informatic sensor devices relating to a dwelling. Analytical analysis is performed on the received informatic data to determine a dwelling assessment value regarding an insurance risk relating to the dwelling. Electronic data relating to an insurance policy associated with the dwelling is received by a computer processor and is electronically analyzed to determine insurance coverage and liability values for the dwelling as prescribed by the insurance policy. Predefined business rules are utilized by a computer processor using at least the dwelling assessment value and the determined insurance coverage and liability values for the dwelling to determine, and preferably recommend, one or more insurance products for inclusion with the insurance policy to mitigate insuree liability regarding the dwelling.

Knowledge representation PlanningG06Q 30/0215G06F 16/24G06Q 10/20G06Q 40/03G06Q 40/08G06V 20/17G06V 20/176H04N 23/90+4 more

Google Patents

AI classification

Planning1.00

Knowledge representation0.96

Vision0.25

AI hardware0.13

Machine learning0.00

Speech0.00

Natural language0.00

Evolutionary computation0.00

Ownership

UNITED SERVICES AUTOMOBILE ASSOCIATION

assignment · 451110158

Assignors

ALLEN, MICHAEL J., DEVEREAUX, RAMSEY, READ, SPENCER, FRANCK, DAVID, CHANDLER, WILLIAM M., WHEELER, DANIELA, SWAIN, KATHLEEN, BURGESS, CLAY

On an employer assignment, the assignors are typically the inventors.

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Cites (116)

DETERMINING AND INITIATING INSURANCE CLAIM EVENTSUS 10,181,159 · 2019 SYSTEMS AND METHODS FOR UTILIZING IMAGING INFORMATICSUS 10,163,162 · 2018 INSURANCE POLICY ALTERATIONS USING INFORMATIC SENSOR DATAUS 10,121,207 · 2018 SYSTEMS AND METHODS FOR MANAGING INSURANCE FOR DEVICES LOCATED WITHIN A PROPERTY BASED ON INSURANCE-RELATED EVENTSUS 10,055,793 · 2018 DETERMINING AUTONOMOUS VEHICLE TECHNOLOGY PERFORMANCE FOR INSURANCE PRICING AND OFFERINGUS 10,055,794 · 2018 SYSTEM AND METHOD TO DETERMINE INSURANCE MITIGATION ACTIONS BASED ON INFORMATIC DATAUS 9,984,417 · 2018 PROPERTY MANAGEMENT ON A SMARTPHONEUS 9,959,581 · 2018 IDENTIFYING AND RECOMMENDING INSURANCE POLICY PRODUCTS/SERVICES USING INFORMATIC SENSOR DATAUS 9,947,051 · 2018 SYSTEM AND METHOD FOR REPORTING THE EXISTENCE OF SENSORS BELONGING TO MULTIPLE ORGANIZATIONSUS 9,934,675 · 2018 SYSTEMS AND METHODS FOR COMMUNITY-BASED CAUSE OF LOSS DETERMINATIONUS 9,892,463 · 2018 DETERMINING APPLIANCE INSURANCE COVERAGE/PRODUCTS USING INFORMATIC SENSOR DATAUS 9,886,723 · 2018 INVENTORYING ITEMS USING IMAGE DATAUS 9,842,310 · 2017 UTILIZING CREDIT AND INFORMATIC DATA FOR INSURANCE UNDERWRITING PURPOSESUS 9,818,158 · 2017 DETERMINING RISKS RELATED TO ACTIVITIES ON INSURED PROPERTIES USING INFORMATIC SENSOR DATAUS 9,811,862 · 2017 FAULT DETERMINATION WITH AUTONOMOUS FEATURE USE MONITORINGUS 9,792,656 · 2017 AUTONOMOUS VEHICLE OPERATION FEATURE MONITORING AND EVALUATION OF EFFECTIVENESSUS 9,754,325 · 2017 INTEGRATED ASSET MANAGEMENTUS 9,747,571 · 2017 INSURANCE POLICY ALTERATIONS USING INFORMATIC SENSOR DATAUS 9,710,858 · 2017 MULTIPLE PRODUCT QUOTINGUS 9,652,805 · 2017 MOBILE COMPUTING DEVICE-BASED GUIDANCE NAVIGATION AND CONTROL FOR UNMANNED AERIAL VEHICLES AND ROBOTIC SYSTEMSUS 9,611,038 · 2017 INTEGRATED HAZARD RISK MANAGEMENT AND MITIGATION SYSTEMUS 9,613,523 · 2017 APPARATUS AND METHOD EMPLOYING AUTONOMOUS VEHICLES TO REDUCE RISKUS 9,481,459 · 2016 SYSTEM AND METHOD FOR AN AUTOMATED VALIDATION SYSTEMUS 9,460,471 · 2016 IMPLEMENTATION OF A WEB SCALE DATA FABRICUS 9,363,322 · 2016 LOW NUISANCE FAST RESPONSE HAZARD ALARMUS 9,330,550 · 2016

and 91 more

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