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Determining risks related to activities on insured properties using informatic sensor data

  • US 9,811,862 B1
  • Filed: 06/12/2014
  • Issued: 11/07/2017
  • Est. Priority Date: 08/16/2013
  • Status: Active Grant
First Claim
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1. A sensor system for capturing data, the system comprising:

  • a plurality of sensor devices each configured to capture data relating to inhabitants located in a dwelling, each sensor device having a transmitter with an associated IP address coupled to a wireless network for transmitting the captured data, wherein the sensor devices comprise a motion sensor configured to capture data associated with a number of inhabitants located in the dwelling and an appliance sensor configured to capture data associated with use of one or more appliances within the dwelling;

    a data storage component wirelessly coupled to each of the plurality of sensors devices via the IP address of the transmitter for each of the sensor devices wherein the data storage component is configured to aggregate captured inhabitant data regarding the dwelling received from each of the sensor devices;

    a communication component coupled to the data storage component configured to encrypt and transmit the aggregated captured encrypted data via a network;

    a computer server coupled to the communication device, via the network, and programmed to;

    receive captured encrypted data from the motion sensor regarding inhabitants located in the dwelling, wherein the motion sensor comprises passive infra-red detectors configured to detect simultaneous motion patterns at a plurality of points within the dwelling;

    determine a number of inhabitants located in the dwelling based on the received captured encrypted data from the motion sensor;

    generate a first instruction configured to command the appliance sensor to capture and transmit data associated with usage of the one or more appliances within the dwelling comprising a cooking activity pattern associated with the inhabitants, wherein the first instruction alters a frequency of reading associated with the appliance sensor by commanding an immediate reading, and wherein the cooking pattern corresponds to a time value associated with the one or more appliances remaining unattended;

    upon receiving the captured encrypted data from the appliance sensor, determine a usage value based on the number of inhabitants located in the dwelling and the received captured encrypted data form the appliance sensor; and

    generate a second instruction configured to display a notification corresponding to the determined usage value on at least one of the appliance sensor and the motion sensor, whereby the computer server modifies at least one dataset associated with the dwelling based on the usage value.

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