Systems and methods for providing a safety score associated with a user location
First Claim
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1. An insurance system, comprising:
- a data storage device storing, updating and providing access to a plurality of loss risk factors associated with geographic locations;
a computer processor coupled to the data storage device and executing program instructions and retrieving the plurality of loss risk factors from the data storage device;
a memory, coupled to the computer processor, storing program instructions executed by the computer processor;
a communication device, coupled to the computer processor, receiving a request for a safety score associated with data indicative of a user location;
a civic improvement platform in communication with the communication device and for receiving participant safety reports from participant devices relating to municipal safety issues and for forwarding the participant safety reports to governmental devices and public utility devices;
wherein each of the participant safety reports includes an indication of at least one of;
(i) a road condition, (ii) a traffic sign condition, (iii) a streetlight condition, (iv) a traffic light condition, (v) an electrical wire condition, (vi) a water hazard, (vii) a weather hazard, (viii) a street condition, (ix) a plant hazard, (x) a sidewalk condition, (xi) a guardrail condition, and (xii) a criminal activity; and
a scoring engine executing program instructions stored in the memory for calculating the safety score based on the data indicative of the user location and the plurality of loss risk factors, wherein at least one loss risk factor comprises civic improvement platform data generated based on participant safety reports received by the a civic improvement platform; and
wherein the plurality of loss risk factors further comprise at least two of;
(i) road segment information, (ii) real time weather information, (iii) current traffic information, (iv) crime rates, (v) automobile accident information, (vi) a time of day, (vii) visibility conditions, (viii) police data, (ix) fire department response times, (x) topographical information, (xi) third-party accident data, (xii) governmental data, (xiii) internal insurance loss data, (xiv) video cameras, and (xv) police reports.
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Abstract
Pursuant to some embodiments, insurance systems, methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data. In some embodiments, a request for information associated with a user'"'"'s location identified by user location data may be received over a communications network. A computer processing system may then be operated to generate a safety score associated with said use location data, the safety score being based on a plurality of loss risk factors associated with the user location data. A response, including the safety score, may then be transmitted to the user over the communications network.
474 Citations
12 Claims
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1. An insurance system, comprising:
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a data storage device storing, updating and providing access to a plurality of loss risk factors associated with geographic locations; a computer processor coupled to the data storage device and executing program instructions and retrieving the plurality of loss risk factors from the data storage device; a memory, coupled to the computer processor, storing program instructions executed by the computer processor; a communication device, coupled to the computer processor, receiving a request for a safety score associated with data indicative of a user location; a civic improvement platform in communication with the communication device and for receiving participant safety reports from participant devices relating to municipal safety issues and for forwarding the participant safety reports to governmental devices and public utility devices;
wherein each of the participant safety reports includes an indication of at least one of;
(i) a road condition, (ii) a traffic sign condition, (iii) a streetlight condition, (iv) a traffic light condition, (v) an electrical wire condition, (vi) a water hazard, (vii) a weather hazard, (viii) a street condition, (ix) a plant hazard, (x) a sidewalk condition, (xi) a guardrail condition, and (xii) a criminal activity; anda scoring engine executing program instructions stored in the memory for calculating the safety score based on the data indicative of the user location and the plurality of loss risk factors, wherein at least one loss risk factor comprises civic improvement platform data generated based on participant safety reports received by the a civic improvement platform; and
wherein the plurality of loss risk factors further comprise at least two of;
(i) road segment information, (ii) real time weather information, (iii) current traffic information, (iv) crime rates, (v) automobile accident information, (vi) a time of day, (vii) visibility conditions, (viii) police data, (ix) fire department response times, (x) topographical information, (xi) third-party accident data, (xii) governmental data, (xiii) internal insurance loss data, (xiv) video cameras, and (xv) police reports. - View Dependent Claims (2, 3, 4)
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5. A computerized method, comprising:
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receiving, at a civic improvement platform, a plurality of participant safety reports from plurality of participants, each participant safety report being associated with a report location and a municipal safety issue and including an indication of at least one of;
(i) a road condition, (ii) a traffic sign condition, (iii) a streetlight condition, (iv) a traffic light condition, (v) an electrical wire condition, (vi) a water hazard, (vii) a weather hazard, (viii) a street condition, (ix) a plant hazard, (x) a sidewalk condition, (xi) a guardrail condition, and (xii) a criminal activity;transmitting, by the civic improvement platform, the participant safety reports to one of a public utility device and a governmental device; generating, by the civic improvement platform, a first loss risk factor for a first location based on participant safety reports having report locations matching the first location; transmitting, by the civic improvement platform, an indication of the first loss risk factor and the first location; receiving, at a scoring engine, the indication of the first loss risk factor and the first location; storing, by the scoring engine, the indication of the first loss risk factor and the first location along with a plurality of other loss risk factors associated with geographic locations, wherein the plurality of other loss risk factors comprise at least two of (i) road segment information, (ii) real time weather information, (iii) current traffic information, (iv) crime rates, (v) automobile accident information, (vi) a time of day, (vii) visibility conditions, (viii) police data, (ix) fire department response times, (x) topographical information, (xi) third-party accident data, (xii) governmental data, (xiii) internal insurance loss data, (xiv) video cameras, and (xv) police reports; receiving, at the scoring engine from a remote user device, a request for a safety score associated with a user location; calculating, by the scoring engine, the safety score based on the user location, the first loss risk factor, and a plurality of other loss risk factors associated with the user location; and transmitting, by the scoring engine to the remote user device, an indication of the safety score. - View Dependent Claims (6, 7, 8, 9)
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10. A non-transitory, computer-readable medium storing program code executable by a computer to:
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receive, from a civic improvement platform, an indication of a first loss risk factor and a first location, the first loss risk factor being generated by the civic improvement platform based on a plurality of participant safety reports from plurality of participants, each participant safety report being associated with a report location and a municipal safety issue by the civic improvement platform, and including an indication of at least one of;
(i) a road condition, (ii) a traffic sign condition, (iii) a streetlight condition, (iv) a traffic light condition, (v) an electrical wire condition, (vi) a water hazard, (vii) a weather hazard, (viii) a street condition, (ix) a plant hazard, (x) a sidewalk condition, (xi) a guardrail condition, and (xii) a criminal activity;
the civic improvement platform being configured for transmitting the participant safety reports to one of a public utility device and a governmental device;store the indication of the first loss risk factor and the first location along with a plurality of other loss risk factors associated with geographic locations; receive, from a remote user device, a request for a safety score associated with a user location; calculate the safety score based on the user location, the first loss risk factor, and a plurality of other loss risk factors associated with the user location, wherein the plurality of other loss risk factors comprise at least two of (i) road segment information, (ii) real time weather information, (iii) current traffic information, (iv) crime rates, (v) automobile accident information, (vi) a time of day, (vii) visibility conditions, (viii) police data, (ix) fire department response times, (x) topographical information, (xi) third-party accident data, (xii) governmental data, (xiii) internal insurance loss data, (xiv) video cameras, or (xv) police reports; and transmit, to the remote user device, an indication of the safety score. - View Dependent Claims (11, 12)
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Specification