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Secure data validation system

  • US 9,824,399 B2
  • Filed: 10/03/2016
  • Issued: 11/21/2017
  • Est. Priority Date: 07/16/2010
  • Status: Active Grant
First Claim
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1. A secure data validation system comprising:

  • an application server configured to;

    obtain, by an insurance application server, from a database information corresponding to at least one current policyholder, at least one property of the at least one current policyholder being covered under a property insurance policy offered by an insurance company, wherein a portion of the information indicates that the at least one property of the at least one current policyholder is receiving remote monitoring services from a service provider;

    validate, by the insurance application server, more than once during a term of the property insurance policy, via data exchange with a server of a trusted third party, that the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider, the trusted third party not being either the insurance company or the service provider, the trusted third party server further receiving policyholder data from the insurance company application server and customer data from a server of the service provider and the validating being based on the received policyholder data and customer data without the trusted third party server providing policyholder data to the service provider server, and/or providing customer data of the service provider to the application server;

    store, by the insurance application server, in the database, validation results received from the trusted third party server, andan insurance administration computer system in communication with the insurance application server configured to determine an insurance policy adjustment to be given to the at least one current policyholder, responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is either (i) not currently receiving remote monitoring services from the service provider or (ii) currently receiving remote monitoring services from the service provider different from the remote monitoring services indicated in the portion of the information indicating receipt of remote monitoring services, and is configured to determine that an insurance policy benefit provided to the policyholder remains unchanged responsive to a determination based on the validation results and the portion of the information indicating receipt of remote monitoring services that the at least one property of the at least one current policyholder is currently receiving remote monitoring services from the service provider as indicated in the portion of the information indicating receipt of remote monitoring services.

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