Utilizing credit and informatic data for insurance underwriting purposes
First Claim
Patent Images
1. A sensor system comprising:
- a dwelling sensor device configured to;
capture dwelling data comprising an attribute of a dwelling associated with a user, andtransmit the attribute;
a telematics device configured to;
capture telematics data relating to a vehicle associated with the user, andtransmit the telematics data;
a computer management module coupled to the dwelling sensor and the telematics device through a network, the computer management module programmed to;
receive the attribute of the dwelling from the dwelling sensor;
receive the telematics data from the telematics device;
determine a state of activity of the dwelling based on an analysis of the dwelling data, wherein the state of activity indicates spikes in activity or frenetic activity in the dwelling;
determine driving behaviors of the user based on an analysis of the telematics data;
determine maintenance performed to the dwelling based on the analysis of the dwelling data;
determine an indication of risk associated with the user based on an analysis of the state of activity of the dwelling, an analysis of the maintenance performed to the dwelling, and the driving behaviors of the user; and
render an insurance decision based at least in part upon the indication of risk.
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Abstract
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.
345 Citations
18 Claims
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1. A sensor system comprising:
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a dwelling sensor device configured to; capture dwelling data comprising an attribute of a dwelling associated with a user, and transmit the attribute; a telematics device configured to; capture telematics data relating to a vehicle associated with the user, and transmit the telematics data; a computer management module coupled to the dwelling sensor and the telematics device through a network, the computer management module programmed to; receive the attribute of the dwelling from the dwelling sensor; receive the telematics data from the telematics device; determine a state of activity of the dwelling based on an analysis of the dwelling data, wherein the state of activity indicates spikes in activity or frenetic activity in the dwelling; determine driving behaviors of the user based on an analysis of the telematics data; determine maintenance performed to the dwelling based on the analysis of the dwelling data; determine an indication of risk associated with the user based on an analysis of the state of activity of the dwelling, an analysis of the maintenance performed to the dwelling, and the driving behaviors of the user; and render an insurance decision based at least in part upon the indication of risk. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A computer-implemented method executed by one or more processors, the method comprising:
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receiving dwelling data from a dwelling sensor device, the dwelling data relating to a dwelling associate with a user; receiving telematics data from a telematics device, the telematics data relating to a vehicle associated with the user; determining a state of activity of the dwelling over a first period of time based on an analysis of the dwelling data collected over the first period of time, wherein the state of activity indicates spikes in activity or frenetic activity in the dwelling over the first period of time; determining driving behaviors of the user over a second period of time based on an analysis of the telematics data collected over the second period of time; determining maintenance performed to the dwelling based on the analysis of the dwelling data; determining an indication of risk associated with the user based on an analysis of the state of activity of the dwelling over the first period of time, an analysis of the maintenance performed to the dwelling, and the driving behaviors of the user over the second period of time; and rendering an insurance decision based at least in part upon the indication of risk. - View Dependent Claims (10, 11, 12, 13)
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14. One or more non-transitory computer-readable storage media coupled to one or more processors and having instructions stored thereon which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
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receiving dwelling data from a dwelling sensor device, the dwelling data relating to a dwelling associate with a user; determining a state of activity of the dwelling based on an analysis of the dwelling data, wherein the state of activity indicates spikes in activity or frenetic activity in the dwelling over a first period of time; receiving telematics data from a telematics device, the telematics data relating to a vehicle associated with the user; determining maintenance performed to the dwelling based on an analysis of the dwelling data collected; determining driving behaviors of the user based on an analysis of the telematics data; determining an indication of risk associated with the user based on an analysis of the determined maintenance performed to the dwelling, an analysis of the state of activity of the dwelling, and the driving behaviors of the user; and rendering an insurance decision based at least in part upon the indication of risk. - View Dependent Claims (15, 16, 17, 18)
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Specification