System and method for determining an insurance premium quote based on human telematic data and structure related telematic data
First Claim
Patent Images
1. A system for processing building environmental safety status health data and building data related to determination of an insurance quote for a user, the system comprising:
- a human wearable telematic data acquisition device worn by a user, wherein the human wearable telematic data acquisition device is configured to substantially continuously collect health telematic data of a user, the health telematic data being indicative of the user'"'"'s health status while within a building;
a communications interface configured to;
receive health telematic data collected by the human wearable telematic data acquisition device;
receive building telematic data collected by a telematic data acquisition device, wherein the telematic data acquisition device is configured to collect telematic data of a building, the building telematic data indicative of historical building data and the historical nature of prior building use;
provide the health telematic and the building telematic data to a business logic processor for the development of an insurance quote based on at least one of the received health telematic data or building telematic data; and
,transmit the insurance quote to the user via a mobile device for immediate acceptance.
1 Assignment
0 Petitions
Accused Products
Abstract
Systems and methods are disclosed herein for pricing an insurance premium based on analysis of various telematic data. The system includes a user with a wearable human telematic sensor providing telematic data about the wearer. Also, the system and method includes at least one building/environment telematic sensor configured to provide telematic data about the building and surrounding environment. The various telematic data is communicated and processed to provide an insurance quote to the user based upon analysis of the telematic data.
-
Citations
19 Claims
-
1. A system for processing building environmental safety status health data and building data related to determination of an insurance quote for a user, the system comprising:
-
a human wearable telematic data acquisition device worn by a user, wherein the human wearable telematic data acquisition device is configured to substantially continuously collect health telematic data of a user, the health telematic data being indicative of the user'"'"'s health status while within a building; a communications interface configured to; receive health telematic data collected by the human wearable telematic data acquisition device; receive building telematic data collected by a telematic data acquisition device, wherein the telematic data acquisition device is configured to collect telematic data of a building, the building telematic data indicative of historical building data and the historical nature of prior building use; provide the health telematic and the building telematic data to a business logic processor for the development of an insurance quote based on at least one of the received health telematic data or building telematic data; and
,transmit the insurance quote to the user via a mobile device for immediate acceptance. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
-
-
13. A wearable sensor system, comprising:
-
a first sensor, the first sensor being part of a human wearable telematic data acquisition device configured to substantially continuously sense a human telematic health data, the first sensor outputting a first sensor data indicative of measured at least one user health telematic data relating to at least one of a body mass index, blood pressure, respiratory rate, heart rate, perspiration, body temperature, blood sugar level, vacillations in blood sugar level, hours of sleep, physical activity rate and duration, water consumption, food consumption, alcohol consumption, amount of sunlight exposure, and/or exposure to air or water pollutants; a second sensor, in communication with a building being occupied by the user, the second sensor outputting a second sensor data indicative of a measured at least one building telematic data, the building telematic data indicative of historical building data and the historical nature of prior building use; a computing unit, in communication with the first sensor and the second sensor, the computing unit storing program instructions for execution by the computing unit to; receive the first sensor data and the second sensor data; calculate a risk level associated with the first sensor data and the second sensor data; and
,output an insurance quote feedback signal to the user indicative of the risk level of the first sensor data and the second sensor data via a mobile device for immediate acceptance. - View Dependent Claims (14, 15, 16, 17, 18, 19)
-
Specification