Device sensing
First Claim
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1. A system comprising:
- a processing unit comprising a processor; and
a memory unit storing computer-executable instructions, which when executed by the processing unit, cause the system to;
receive first data from signals received from a first sensing device, the first sensing device being in communication with a home device associated with a user and the first data comprising operating characteristics of the home device that are indicative of a performance of the home device and an approximate age of the home device;
receive second data from signals received from a second sensing device, the second sensing device being in communication with a vehicle associated with the user and the second data comprising operational parameters of the vehicle;
receive, from a third sensing device, third data comprising data indicative of a lifestyle habit of the user;
aggregate the first data, the second data, and the third data;
analyze the aggregated first data, second data, and third data to determine an overall risk associated with the user; and
in response to determining a likelihood of failure of the home device, based on the operating characteristics of the home device indicating an atypical performance or the approximate age exceeding an age threshold;
identify, based on the likelihood of failure of the home device and the overall risk associated with the user, an insurance premium for the user which is greater than a current insurance premium for the user;
generate a first offer including an incentive to maintain the current insurance premium upon replacement or repair of the home device;
cause a user device to display a notification of the identified insurance premium and the first offer;
receive additional first data from signals received from the first sensing device, the first sensing device being in communication with a repaired or replaced home device, the additional first data comprising operating characteristics of the repaired or replaced home device that are indicative of a performance and an approximate age of the repaired or replaced home device; and
maintain the current insurance premium for the user, based on a determination that the operating characteristics of the repaired or replaced home device indicate a typical performance or the approximate age does not exceed the age threshold.
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Abstract
Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors associated with one or more home devices of a user, such as appliances, home systems, etc. and/or one or more sensors associated with a vehicle of the user, and/or receiving data associated with a lifestyle of the user are presented. In some examples, the data may aggregated and analyzed to assess risk associated with the user in order to determine or adjust an insurance rate or premium.
276 Citations
14 Claims
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1. A system comprising:
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a processing unit comprising a processor; and a memory unit storing computer-executable instructions, which when executed by the processing unit, cause the system to; receive first data from signals received from a first sensing device, the first sensing device being in communication with a home device associated with a user and the first data comprising operating characteristics of the home device that are indicative of a performance of the home device and an approximate age of the home device; receive second data from signals received from a second sensing device, the second sensing device being in communication with a vehicle associated with the user and the second data comprising operational parameters of the vehicle; receive, from a third sensing device, third data comprising data indicative of a lifestyle habit of the user; aggregate the first data, the second data, and the third data; analyze the aggregated first data, second data, and third data to determine an overall risk associated with the user; and in response to determining a likelihood of failure of the home device, based on the operating characteristics of the home device indicating an atypical performance or the approximate age exceeding an age threshold; identify, based on the likelihood of failure of the home device and the overall risk associated with the user, an insurance premium for the user which is greater than a current insurance premium for the user; generate a first offer including an incentive to maintain the current insurance premium upon replacement or repair of the home device; cause a user device to display a notification of the identified insurance premium and the first offer; receive additional first data from signals received from the first sensing device, the first sensing device being in communication with a repaired or replaced home device, the additional first data comprising operating characteristics of the repaired or replaced home device that are indicative of a performance and an approximate age of the repaired or replaced home device; and maintain the current insurance premium for the user, based on a determination that the operating characteristics of the repaired or replaced home device indicate a typical performance or the approximate age does not exceed the age threshold. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A method comprising:
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receiving, by a system having at least one processor, first data from signals received from a first sensing device, the first sensing device being in communication with a home device associated with a user and the first data comprising operating characteristics of the home device that are indicative of a performance of the home device and an approximate age of the home device; receiving, by the system, second data from signals received from one or more second sensing devices, the one or more second sensing devices being in communication with a vehicle associated with the user and the second data comprising a number of occupants in the vehicle and operational parameters of the vehicle; receiving, by the system and from a third sensing device, third data comprising data indicative of a lifestyle habit of the user; aggregating, by the system, the first data, the second data, and the third data; analyzing, by the system, the aggregated first data, second data, and third data to determine an overall risk associated with the user; and in response to determining a likelihood of failure of the home device, based on the operating characteristics of the home device indicating an atypical performance or the approximate age exceeding an age threshold; identifying, by the system and based on the likelihood of failure of the home device and the overall risk associated with the user, an insurance premium for the user which is greater than a current insurance premium for the user; generating, by the system, a first offer including an incentive to maintain the current insurance premium upon replacement or repair of the home device;
causing, by the system and via a user device, display of a notification of the identified insurance premium and the first offer;receiving, by the system, additional first data from signals received from the first sensing device, the first sensing device being in communication with a repaired or replaced home device, the additional first data comprising operating characteristics of the repaired or replaced home device that are indicative of a performance and an approximate age of the repaired or replaced home device; and maintaining the current insurance premium for the user, based on a determination that the operating characteristics of the repaired or replaced home device indicate a typical performance or the approximate age does not exceed the age threshold. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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Specification