SYSTEMS AND METHODS FOR MULTI-PARTY SENSORS

• US 20180285977A1
• Filed: 03/29/2017
• Published: 10/04/2018
• Est. Priority Date: 03/29/2017
• Status: Abandoned Application

• Current Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Original Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Inventors: Cleary, Corey T., Shumway, Kristin, Commendatore, Michael, Reilly, Richard I., Datcher, Sean T.
• Application Number:
  US15/473,583
• Publication Number:
  US 20180285977A1
• Time in Patent Office: Days
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: H04L 67/125 involving control of end-device applications over a network
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 4/60 Subscription-based services using application servers or record carriers, e.g. SIM application toolkits
• CPC Class Codes: H04W 4/70 Services for machine-to-machine communication [M2M] or machine type communication [MTC]

Abstract

Systems, methods, and articles of manufacture provide for multi-party sensors managed via a mobile device application that coordinates first-party data, thresholds, and alerts from a first-party server and second-party data, thresholds, and alerts from a second-party server.

Claims

1. An application executed by a mobile computing device, the application comprising a plurality of software modules stored in a local non-transitory memory of the mobile computing device, the plurality of software modules, comprising:

(a) a first software module that, when executed by a processing unit of the mobile computing device, causes the mobile computing device to output, via a display device of the mobile computing device, a first graphical user interface comprising first interface features that permit a user of the mobile computing device to acquire, wirelessly and from a sensor device, a device identifier;

(b) a second software module that, when executed by the processing unit of the mobile computing device, causes the mobile computing device to (i) output, via the display device of the mobile computing device, a second graphical user interface comprising second interface features that accept as input and from the user of the mobile computing device, login credentials of the user, and (ii) authenticate the login credentials of the user;

(c) a third software module that, after the authentication of the login credentials of the user and when executed by the processing unit of the mobile computing device, causes the mobile computing device to transmit (i) an indication of the authenticated login credentials, (ii) the device identifier, and (iii) an electronic communications address of the user, to a first remote server device, the first remote server device being in remote wireless communication with the sensor device and being operable, upon receiving a sensor reading from the sensor device, to execute stored rules to determine that a notification should be sent to the electronic communications address of the user;

(d) a fourth software module that, after the authentication of the login credentials of the user and when executed by the processing unit of the mobile computing device, causes the mobile computing device to transmit (i) the indication of the authenticated login credentials and (ii) an identifier of an insurance policy of the user, to a second remote server device, the second remote server device being in remote communication with the first remote server device and being operable, upon acquiring data indicative of the sensor reading from the sensor device, to execute stored rules to calculate an adjustment to a monetary parameter of the insurance policy; and

(e) a fifth software module that, when executed by the processing unit of the mobile computing device, causes the mobile computing device to output, via the display device of the mobile computing device, a third graphical user interface comprising third interface features that display to the user each of (i) a graphical representation of the notification, from the first remote server device, of the sensor reading and (ii) a graphical representation of the monetary parameter of the insurance policy, from the second remote server device, as adjusted in response to the sensor reading.

2. An application executed by a mobile computing device, the application comprising a plurality of software modules stored in a local non-transitory memory of the mobile computing device, the plurality of software modules, comprising:

(a) a first software module that, when executed by a processing unit of the mobile computing device, causes the mobile computing device to;

(i) output, via a display device of the mobile computing device, a first graphical user interface comprising first interface features;

(ii) receive, via the first interface features, sensor pairing input; and

(iii) pair, utilizing the sensor pairing input, a wireless sensor with the mobile computing device;

(b) a second software module that, when executed by the processing unit of the mobile computing device, causes the mobile computing device to;

(i) output, via the display device of the mobile computing device, a second graphical user interface comprising second interface features;

(ii) receive, via the second interface features, first login credentials; and

(iii) authenticate, via communication with a first remote server, the first login credentials;

(c) a third software module that, when executed by the processing unit of the mobile computing device, causes the mobile computing device to;

(i) output, via the display device of the mobile computing device, a third graphical user interface comprising third interface features;

(ii) receive, via the third interface features, second login credentials; and

(iii) authenticate, via communication with a second remote server, the second login credentials;

(d) a fourth software module that, after the authentication of the first login credentials and when executed by the processing unit of the mobile computing device, causes the mobile computing device to;

(i) receive, from the first remote server, an indication of a first alert that is triggered by a reading from the sensor that exceeds a first threshold; and

(ii) output and indication of the first alert; and

(e) a fifth software module that, after the authentication of the second login credentials and when executed by the processing unit of the mobile computing device, causes the mobile computing device to;

(i) receive, from the second remote server, an indication of a second alert that is triggered by at least one of (1) a reading from the sensor that exceeds a second threshold and (2) data descriptive of the first alert that exceeds the second threshold; and

(ii) output and indication of the second alert.

3. The application of claim 2, wherein the second software module, when executed by the processing unit of the mobile computing device, further causes the mobile computing device to:

transmit, to the first remote server, (1) an indication of an identifier of the wireless sensor and (2) an indication of an electronic communications address via which the first alert may be received.

4. The application of claim 2, wherein the third software module, when executed by the processing unit of the mobile computing device, further causes the mobile computing device to:

transmit, to the second remote server, an indication of an identifier of an insurance policy.

5. The application of claim 2, wherein indication of the first alert is output via a fourth graphical user interface comprising fourth interface features.

6. The application of claim 2, wherein indication of the second alert is output via a fifth graphical user interface comprising fifth interface features.

7. The application of claim 2, wherein the second alert is indicative of an adjustment to a monetary parameter of an insurance policy.