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Secure remote monitoring data validation

  • US 10,740,848 B2
  • Filed: 11/20/2017
  • Issued: 08/11/2020
  • Est. Priority Date: 07/16/2010
  • Status: Active Grant
First Claim
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1. A secure data validation system comprising:

  • an application server configured to;

    provide a graphical user interface (GUI) to a policyholder, the GUI configured to display identification of a plurality of service providers for providing remote property monitoring services for at least one property of the policyholder, and to provide direct routing to a web site of one of the plurality of service providers responsive to a selection by the policyholder of the one of the plurality of service providers via the GUI;

    obtain, by the application server, from a database, information corresponding to the at least one property of the policyholder, the at least one property currently covered under a property insurance policy offered by an insurance company, wherein a portion of the information indicates that the at least one property is receiving remote monitoring services from one of the plurality of service providers;

    validate, by the application server, more than once during a term of the property insurance policy, via data communications with a server of a trusted third party, that the at least one property is currently receiving remote monitoring services from the one of the plurality of service providers, the trusted third party not being either the insurance company or the one of the plurality of service providers, the trusted third party server further receiving policy data from the insurance company application server and subscription data of customers of the one of the plurality of service providers from a server of the one of the plurality of service providers, and the validating being based on the received policy data and the received subscription data of customers without the trusted third party server providing data of the policyholders of the policies of the insurance company to the service provider server or providing customer data of the one of the plurality of service providers to the application server;

    store, by the application server, in the database, validation results received from the trusted third party server, andan insurance administration computer system in communication with the application server configured to determine an insurance policy adjustment to be applied to the property insurance policy, responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property is either (i) not currently receiving remote monitoring services from the one of the service providers or (ii) currently receiving remote monitoring services from the one of the service providers different from the remote monitoring services indicated in the portion of the information indicating receipt of remote monitoring services, and is configured to determine that an insurance policy benefit applied to the property insurance policy remains unchanged responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property is currently receiving remote monitoring services from the one of the service providers as indicated in the portion of the information indicating receipt of remote monitoring services.

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