Systems and methods for home inventory and insurance
First Claim
1. A home inventory insurance system, comprising:
- a network connection;
a memory; and
a processor programmed to execute a plurality of instructions, the instructions, when executed, cause the processor to perform the following method steps;
receiving via the network connection, at an institution system, from a financial institution, data pertaining to an item of a user for use by an insurance engine and an inventory engine of the institution system, the institution system maintaining a home inventory for the user and issuing an insurance policy for items in the home inventory for the user, wherein the data comprises transaction data associated with a purchase of the item made by the user using a financial card issued by the financial institution;
analyzing the transaction data with respect to at least one predetermined criterion using a computing device of the institution system;
determining, after the purchase of the item by the user, using the computing device of the institution system that the at least one predetermined criterion is met;
notifying the institution system to ask, based on the at least one predetermined criterion being met, the user whether the user would like to add the item to the home inventory;
receiving the user'"'"'s acceptance in relation to adding the item to the home inventory;
adding the item to the home inventory using the data and the inventory engine;
notifying the institution system to ask, based on the at least one predetermined criterion being met, the user whether the user would like to add the item to the insurance policy;
receiving the user'"'"'s acceptance in relation to adding the item to the insurance policy; and
insuring the item with the insurance policy using the data and the insurance engine.
3 Assignments
0 Petitions
Accused Products
Abstract
Information may be received regarding items purchased or otherwise acquired by a user, and the items may be added to an electronic home inventory maintained by an institution system and the items may be added to an insurance policy issued by the institution system. The institution system may receive information about an item from the merchant who sold the item, an appraiser, the user, from a barcode that is provided on the receipt associated with the purchase, by a barcode generated by the user (e.g., using data from the receipt and other information from the user), and/or via data from a financial card transaction directed to the purchase. The user may be provided with a listing of the items, and can select which items are to be included in the home inventory and which items are to be added to an insurance policy.
89 Citations
21 Claims
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1. A home inventory insurance system, comprising:
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a network connection; a memory; and a processor programmed to execute a plurality of instructions, the instructions, when executed, cause the processor to perform the following method steps; receiving via the network connection, at an institution system, from a financial institution, data pertaining to an item of a user for use by an insurance engine and an inventory engine of the institution system, the institution system maintaining a home inventory for the user and issuing an insurance policy for items in the home inventory for the user, wherein the data comprises transaction data associated with a purchase of the item made by the user using a financial card issued by the financial institution; analyzing the transaction data with respect to at least one predetermined criterion using a computing device of the institution system; determining, after the purchase of the item by the user, using the computing device of the institution system that the at least one predetermined criterion is met; notifying the institution system to ask, based on the at least one predetermined criterion being met, the user whether the user would like to add the item to the home inventory; receiving the user'"'"'s acceptance in relation to adding the item to the home inventory; adding the item to the home inventory using the data and the inventory engine; notifying the institution system to ask, based on the at least one predetermined criterion being met, the user whether the user would like to add the item to the insurance policy; receiving the user'"'"'s acceptance in relation to adding the item to the insurance policy; and insuring the item with the insurance policy using the data and the insurance engine. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A non-transitory computer-readable medium comprising computer-readable instructions for operating a home inventory insurance system, said computer-readable instructions comprising instructions that:
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receive, at an institution system, from a financial institution, transaction data associated with a purchase made by a user using a financial card issued by the financial institution; analyze the transaction data with respect to at least one predetermined criterion using a computing device of the institution system, the transaction data pertaining to the purchase made by the user, determine using the computing device of the institution system that the at least one predetermined criterion is met; transmit, based on the at least one predetermined criterion being met, information to notify the institution system to ask the user whether the user would like to add at least one item associated with the purchase to a home inventory of the user maintained by the institution system; receive using the computing device of the institution system an acceptance from the user in relation to adding the at least one item associated with the purchase to the home inventory; add the at least one item to the home inventory; transmit, based on the item being added to the home inventory, information to notify the institution system to ask the user whether the user would like to add the at least one item associated with the purchase to an insurance policy insuring the home inventory of the user and issued by the institution system; receive using the computing device of the institution system an acceptance from the user in relation to adding the at least one item associated with the purchase to the insurance policy; and add the at least one item to the insurance policy. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A home inventory insurance system, comprising:
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at least one subsystem that receives, at an institution system, from a financial institution, transaction data at a computing device of the institution system, the transaction data pertaining to a plurality of purchases made by a user over a predetermined period of time using a financial card issued by the financial institution; at least one subsystem that determines, using the computing device of the institution system, that the transaction data meets at least one predetermined criterion; at least one subsystem that provides a list of the purchases to a user computing device of the user; at least one subsystem that receives at the computing device of the institution system from the user computing device an indication regarding adding at least one item associated with at least one of the purchases to a home inventory of the user and an insurance policy for the home inventory; at least one subsystem that generates the home inventory comprising the at least one item using an inventory generator of the institution system; at least one subsystem that stores the home inventory in storage of the institution system; and at least one subsystem that insures the at least one item with the insurance policy for the home inventory issued by the institution system. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification