SYSTEMS AND METHODS FOR CERTIFIED LOCATION DATA COLLECTION, MANAGEMENT, AND UTILIZATION

• US 20130262152A1
• Filed: 03/15/2013
• Published: 10/03/2013
• Est. Priority Date: 03/28/2012
• Status: Abandoned Application

• Current Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Original Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Inventors: Collins, Dean M., Roberts, Thomas J., Maddalena, Thomas J., Tuttle, Ann S., Kimball, Michael
• Application Number:
  US13/836,604
• Publication Number:
  US 20130262152A1
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06F 16/22 Indexing; Data structures therefor; Storage structures
• CPC Class Codes: G06F 16/29 Geographical information databases
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Location information may be gathered, managed, stored, and/or otherwise utilized to determine unique geo-referenced locations. The geo-referenced locations may be utilized to inform various processes and decisions such as insurance underwriting, risk assessment, pricing, and risk/loss control.

Claims

1. A method, comprising:

receiving, by a processing device, an indication of first location information descriptive of a first location;

determining, by the processing device, that the first location information is also descriptive of a second location;

requesting, by the processing device and in response to the determining that the first location information is also descriptive of the second location, information that distinguishes the first location from the second location;

receiving, by the processing device and in response to the requesting, new location information that distinguishes the first location from the second location; and

creating, by the processing device, a data storage relationship between the new location information and information associated with at least one of the first location and the second location.

2. The method of claim 1, wherein the first location is associated with a first customer.

3. The method of claim 2, wherein the first location is also associated with a second customer.

4. The method of claim 1, wherein the determining that the first location information is also descriptive of the second location, comprises:

determining that the first location information matches second location information stored in a database in association with the second location.

5. The method of claim 1, wherein the determining that the first location information is also descriptive of the second location, comprises:

determining that the first location information conflicts with the second location information stored in a database in association with the second location.

6. The method of claim 1, wherein the indication of first location information descriptive of the first location is received from a first customer.

7. The method of claim 1, wherein the first location information comprises one or more of:

(i) a state identifier;

(ii) a city identifier;

(iii) a zip code identifier;

(iv) a street name identifier; and

(v) a street number identifier.

8. The method of claim 7, wherein the new location information comprises one or more of:

(i) a polygon identifier;

(ii) a structure identifier;

(iii) a sub-structure identifier; and

(iv) a coordinate.

9. The method of claim 1, wherein the requesting comprises:

transmitting a request for geo-location information to a mobile device of a first customer at the first location.

10. The method of claim 9, wherein the receiving of the new location information, comprises:

receiving, from the mobile device of the first customer, the requested geo-location information.

11. The method of claim 1, wherein the receiving of the new location information, comprises:

receiving, from a mobile device of a first customer, a photograph of the first location; and

electronically processing the photograph.

12. The method of claim 1, further comprising:

determining, by the processing device and based at least in part on the new location information, an existing amount of insurance exposure for a particular structure at the first location.

13. The method of claim 1, further comprising:

determining, by the processing device and based at least in part on the new location information, whether to offer an underwriting product to a first customer associated with the first location.

14. The method of claim 1, further comprising:

identifying, by the processing device and based at least in part on the new location information, one or more potential customers that are within the same structure at the first location as one or more existing customers.

15. An apparatus, comprising:

a processor; and

a memory in communication with the processor, the memory storing instructions that when executed by the processor result in;

receiving an indication of first location information descriptive of a first location associated with a first customer;

determining that the first location information is also descriptive of a second location associated with a second customer;

requesting, in response to the determining that the first location information is also descriptive of the second location associated with the second customer, information that distinguishes the first and second locations;

receiving, in response to the requesting, new location information that distinguishes the first and second locations; and

creating a data storage relationship between the new location information and information associated with at least one of the first and second locations.

16. The apparatus of claim 15, wherein the first location information comprises one or more of:

(i) a state identifier;

(ii) a city identifier;

(iii) a zip code identifier;

(iv) a street name identifier; and

(v) a street number identifier.

17. The apparatus of claim 16, wherein the new location information comprises one or more of:

(i) a polygon identifier;

(ii) a structure identifier;

(iii) a sub-structure identifier; and

(iv) a coordinate.

18. The apparatus of claim 15, wherein execution of the instructions by the processor further results in:

transmitting a request for geo-location information to a mobile device of a first customer at the first location.

19. The apparatus of claim 18, wherein the receiving of the new location information, comprises:

receiving, from the mobile device of the first customer, the requested geo-location information.

20. An article of manufacture comprising a computer-readable memory storing instructions that when executed by a processor result in:

receiving an indication of first location information descriptive of a first location associated with a first customer;

determining that the first location information is also descriptive of a second location associated with a second customer;

requesting, in response to the determining that the first location information is also descriptive of the second location associated with the second customer, information that distinguishes the first and second locations;

receiving, in response to the requesting, new location information that distinguishes the first and second locations; and

creating a data storage relationship between the new location information and information associated with at least one of the first and second locations.

21. The article of manufacture of claim 20, wherein the first location information comprises one or more of:

(i) a state identifier;

(ii) a city identifier;

(iii) a zip code identifier;

(iv) a street name identifier; and

(v) a street number identifier.

22. The article of manufacture of claim 21, wherein the new location information comprises one or more of:

(i) a polygon identifier;

(ii) a structure identifier;

(iii) a sub-structure identifier; and

(iv) a coordinate.

23. The article of manufacture of claim 20, wherein execution of the instructions by the processor further results in:

transmitting a request for geo-location information to a mobile device of a first customer at the first location.

24. The article of manufacture of claim 23, wherein the receiving of the new location information, comprises:

receiving, from the mobile device of the first customer, the requested geo-location information.