Incentivized adoption of time-dependent insurance benefits
First Claim
1. A system, comprising:
- a processor;
a non-transitory computer-readable storage medium communicatively coupled to the processor and storing computer executable components to facilitate operation of components comprising;
a performance collection component configured to;
identify an operator of a vehicle; and
supply at least one performance record generated based in part on at least one of information describing real-time operation of a vehicle by the operator or information describing an operation environment of the vehicle by the operator;
an information management component configured to;
receive at least one of the real-time operation information or the operation environment information;
infer a destination of the vehicle based at least in part on prior destination information contained in aggregated data pertaining to prior operation of the vehicle by the operator in conjunction with at least one of the real-time operation information or operation environment information;
identify a lifestyle choice of the operator; and
identify a third-party located at the inferred destination offering a commodity that matches the operator lifestyle choice;
a benefit generation component configured to forward an advertisement generated by the third-party; and
a display component configured to;
render the advertisement; and
collect indication of acceptance of the advertisement.
4 Assignments
0 Petitions
Accused Products
Abstract
System(s) and method(s) to incentivize adoption of time-dependent customized insurance benefit(s) are provided. A provider of insurance benefit(s) incentivizes adoption of the insurance benefit(s) in exchange for knowledge of operation characteristics of an insured entity. Knowledge is cumulative and collected from the insured entity and environment in which the entity operates. Incentivation is accomplished at least in part through generation of incentive offer(s) based on available knowledge, which is associated with an operator of the insured entity rather than with the entity itself. The operator can regulate the scope of exchanged knowledge, and received incentive offer(s) and related content. Incentive offer(s) can be directed to provision of insurance benefit coverage that is adequate to current or nearly current operation condition(s); discounted real-time or nearly real-time insurance benefits; or subsidized service(s). Offered incentives can be afforded at least in part through monetization of available knowledge via commercialization thereof or targeted advertisement.
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Citations
20 Claims
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1. A system, comprising:
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a processor; a non-transitory computer-readable storage medium communicatively coupled to the processor and storing computer executable components to facilitate operation of components comprising; a performance collection component configured to; identify an operator of a vehicle; and supply at least one performance record generated based in part on at least one of information describing real-time operation of a vehicle by the operator or information describing an operation environment of the vehicle by the operator; an information management component configured to; receive at least one of the real-time operation information or the operation environment information; infer a destination of the vehicle based at least in part on prior destination information contained in aggregated data pertaining to prior operation of the vehicle by the operator in conjunction with at least one of the real-time operation information or operation environment information; identify a lifestyle choice of the operator; and identify a third-party located at the inferred destination offering a commodity that matches the operator lifestyle choice; a benefit generation component configured to forward an advertisement generated by the third-party; and a display component configured to; render the advertisement; and collect indication of acceptance of the advertisement. - View Dependent Claims (2, 3, 4, 5, 6, 13, 14, 15, 16)
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7. A method, comprising:
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employing at least one computer processor to execute code instructions retained in a computer-readable medium, the executed code instructions implement the following acts; identifying an operator of a vehicle; identifying a lifestyle choice of the operator; collecting performance information of the vehicle by the operator; supplying the collected performance information based in part on predetermined criteria; inferring a destination of the vehicle based at least in part by comparing the collected performance information with at least one destination identified in response to data mining of at least one record aggregated during operation of a vehicle by the operator; identifying a third-party located at the inferred destination offering a commodity matching the operator lifestyle choice; receiving an advertisement generated by the third-party based at least in part on the operator lifestyle choice; presenting the advertisement to the operator while operating the vehicle in the direction of the inferred location; and in the event of the advertisement being selected; delivering an indication of the selection of the advertisement; and receiving content based on the selected advertisement. - View Dependent Claims (8, 9, 10, 17, 18)
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11. A system comprising a non-transitory computer-readable storage medium having computer-executable instructions that, in response to execution, cause a computing system to perform operations comprising:
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identifying an operator of a vehicle; conveying a performance record generated based in part on at least one of real-time operation information of the vehicle by the operator or information of an operation environment of the vehicle being operated by the operator; inferring a destination of the vehicle based at least in part by comparing the collected performance record with at least one destination identified in response to data mining of at least one record aggregated during prior operation of a vehicle by the operator; identifying a lifestyle choice of the operator; identifying a third-party located at the inferred destination offering a commodity matching the operator lifestyle choice; receiving an advertisement generated by the third-party relating to the operator lifestyle choice; rendering the advertisement; and collecting an indication of acceptance or rejection of the advertisement by the operator. - View Dependent Claims (12, 19, 20)
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Specification