Identifying property usage type based upon smart sensor data

• US 10,387,966 B1
• Filed: 01/11/2017
• Issued: 08/20/2019
• Est. Priority Date: 01/14/2016
• Status: Active Grant

• Current Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Original Assignee: State Farm Mutual Automobile Insurance Company (State Farm)
• Inventors: Shah, Rajiv, Jacob, Michael Shawn, Sundararaman, Sripriya, Hevrin, Jeffrey David, Kinsey, Jeffrey, Moon, Phillip Sangpil, LeFebre, EllaKate, Menon, Sunish, Stoiber, Jeffrey Wilson, Dykeman, James Nolan, Olander, Erin Ann, Allen, Lucas
• Primary Examiner(s): Edun, Muhammad N
• Assistant Examiner(s): Murphy, Jerold B
• Application Number:
  US15/403,376
• Time in Patent Office: 951 Days
• Field of Search: None
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G06Q 50/163 Real estate management
• CPC Class Codes: H04Q 2209/10 using a centralized architecture
• CPC Class Codes: H04Q 2209/86 Performing a diagnostic of the sensing device
• CPC Class Codes: H04Q 9/00 Arrangements in telecontrol or telemetry systems for selectively calling a substation from a main station, in which substation desired apparatus is selected for applying a control signal thereto or for obtaining measured values therefrom

Abstract

A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner'"'"'s insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner'"'"'s current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.

Claims

1. A computer-implemented method for determining if a homeowner is on vacation, the computer-implemented method comprising:

receiving data that was generated by a plurality of motion sensors positioned in and around a house, the data including motion events and temperature data from each motion sensor;

determining a daily temperature difference for each motion sensor;

determining that a motion sensor is an indoor motion sensor if the associated temperature difference is less than a first threshold;

determining that a motion sensor is an outdoor motion sensor if the associated temperature difference is greater than or equal to the first threshold;

determining a first number of occupancy events per day as a total of motion events from indoor motion sensors;

receiving data that was generated by a plurality of non-motion sensors positioned in the house, the data including activity events data from each non-motion sensor, the non-motion sensors including a contact sensor installed on a window to determine when the window is opened or closed;

determining a second number of occupancy events per day as a total of activity events from the non-motion sensors;

adding, once per day, the first number of occupancy events to the second number of occupancy events for a predetermined number of previous days to produce a sum; and

determining that the homeowner is on vacation if the sum is less than a second threshold.

2. The computer-implemented method of claim 1, wherein the daily temperature difference for each motion sensor is determined as a daily high temperature value minus a daily low temperature value.

3. The computer-implemented method of claim 1, wherein the predetermined number of previous days is two days.

4. The computer-implemented method of claim 1, wherein the non-motion sensors include a door lock installed on a door to detect when the door is locked or unlocked.

5. The computer-implemented method of claim 1, wherein the non-motion sensors include a key fob which detects when a possessor of the fob is in or around the house.

6. A computer-implemented method for determining if a homeowner is on vacation, the computer-implemented method comprising:

receiving data that was generated by a plurality of motion sensors positioned in and around a house, the data including motion events and temperature data from each motion sensor;

determining a daily temperature difference for each motion sensor;

determining that a motion sensor is an indoor motion sensor if the associated temperature difference is less than a first threshold;

determining that a motion sensor is an outdoor motion sensor if the associated temperature difference is greater than or equal to the first threshold;

determining a first number of occupancy events per day as a total of motion events from indoor motion sensors;

receiving data that was generated by a plurality of non-motion sensors positioned in the house, the data including activity events data from each non-motion sensor, the non-motion sensors include a contact sensor installed on a window to determine when the window is opened or closed, a door lock installed on a door to detect when the door is locked or unlocked, and a key fob which detects when a possessor of the fob is in or around the house;

determining a second number of occupancy events per day as a total of activity events from the non-motion sensors;

adding, once per day, the first number of occupancy events to the second number of occupancy events for a predetermined number of previous days to produce a sum;

determining that the homeowner is on vacation if the sum is less than a second threshold; and

determining that the house is occupied if the sum is greater than or equal to the second threshold.

7. A computer system configured to determine if a homeowner is on vacation, the computer system comprising one or more processors, servers, sensors, and/or transceivers configured to:

receive data that was generated by a plurality of motion sensors positioned in and around a house, the data including motion events and temperature data from each motion sensor;

determine a daily temperature difference for each motion sensor;

determining that a motion sensor is an indoor motion sensor if the associated temperature difference is less than a first threshold;

determining that a motion sensor is an outdoor motion sensor if the associated temperature difference is greater than or equal to the first threshold;

determine a first number of occupancy events per day as a total of motion events from indoor motion sensors;

receive data that was generated by a plurality of non-motion sensors positioned in the house, the data including activity events data from each non-motion sensor, the non-motion sensors including a contact sensor installed on a window to determine when the window is opened or closed;

determine a second number of occupancy events per day as a total of activity events from the non-motion sensors;

add, once per day, the first number of occupancy events to the second number of occupancy events for a predetermined number of previous days to produce a sum; and

determine that the homeowner is on vacation if the sum is less than a second threshold.

8. The computer system of claim 7, further configured to determine that the house is occupied if the sum is greater than or equal to the second threshold.

9. The computer system of claim 7, wherein the daily temperature difference for each motion sensor is determined as a daily high temperature value minus a daily low temperature value.

10. The computer system of claim 7, wherein the predetermined number of days is two days.

11. The computer system of claim 7, wherein the non-motion sensors include a door lock installed on a door to detect when the door is locked or unlocked.

12. The computer system of claim 7, wherein the non-motion sensors include a key fob which detects when a possessor of the fob is in or around the house.

13. A computer-implemented method for determining if a homeowner is on vacation, the computer-implemented method comprising:

receiving data that was generated by a plurality of motion sensors positioned in and around a house, the data including motion events and temperature data from each motion sensor;

determining a daily temperature difference for each motion sensor;

determining that a motion sensor is an indoor motion sensor if the associated temperature difference is less than a first threshold;

determining that a motion sensor is an outdoor motion sensor if the associated temperature difference is greater than or equal to the first threshold;

determining a first number of occupancy events per day as a total of motion events from indoor motion sensors;

receiving data that was generated by a plurality of non-motion sensors positioned in the house, the data including activity events data from each non-motion sensor, the non-motion sensors including a door lock installed on a door to detect when the door is locked or unlocked;

determining a second number of occupancy events per day as a total of activity events from the non-motion sensors;

adding, once per day, the first number of occupancy events to the second number of occupancy events for a predetermined number of previous days to produce a sum; and

determining that the homeowner is on vacation if the sum is less than a second threshold.

14. A computer-implemented method for determining if a homeowner is on vacation, the computer-implemented method comprising:

receiving data that was generated by a plurality of motion sensors positioned in and around a house, the data including motion events and temperature data from each motion sensor;

determining a daily temperature difference for each motion sensor;

determining that a motion sensor is an indoor motion sensor if the associated temperature difference is less than a first threshold;

determining that a motion sensor is an outdoor motion sensor if the associated temperature difference is greater than or equal to the first threshold;

determining a first number of occupancy events per day as a total of motion events from indoor motion sensors;

receiving data that was generated by a plurality of non-motion sensors positioned in the house, the data including activity events data from each non-motion sensor, the non-motion sensors including a key fob which detects when a possessor of the fob is in or around the house;

determining a second number of occupancy events per day as a total of activity events from the non-motion sensors;

adding, once per day, the first number of occupancy events to the second number of occupancy events for a predetermined number of previous days to produce a sum; and

determining that the homeowner is on vacation if the sum is less than a second threshold.

15. A computer system configured to determine if a homeowner is on vacation, the computer system comprising one or more processors, servers, sensors, and/or transceivers configured to:

receive data that was generated by a plurality of motion sensors positioned in and around a house, the data including motion events and temperature data from each motion sensor;

determine a daily temperature difference for each motion sensor;

determining that a motion sensor is an indoor motion sensor if the associated temperature difference is less than a first threshold;

determining that a motion sensor is an outdoor motion sensor if the associated temperature difference is greater than or equal to the first threshold;

determine a first number of occupancy events per day as a total of motion events from indoor motion sensors;

receive data that was generated by a plurality of non-motion sensors positioned in the house, the data including activity events data from each non-motion sensor, the non-motion sensors including a door lock installed on a door to detect when the door is locked or unlocked;

determine a second number of occupancy events per day as a total of activity events from the non-motion sensors;

add, once per day, the first number of occupancy events to the second number of occupancy events for a predetermined number of previous days to produce a sum; and

determine that the homeowner is on vacation if the sum is less than a second threshold.

16. A computer system configured to determine if a homeowner is on vacation, the computer system comprising one or more processors, servers, sensors, and/or transceivers configured to:

receive data that was generated by a plurality of motion sensors positioned in and around a house, the data including motion events and temperature data from each motion sensor;

determine a daily temperature difference for each motion sensor;

determining that a motion sensor is an indoor motion sensor if the associated temperature difference is less than a first threshold;

determining that a motion sensor is an outdoor motion sensor if the associated temperature difference is greater than or equal to the first threshold;

determine a first number of occupancy events per day as a total of motion events from indoor motion sensors;

receive data that was generated by a plurality of non-motion sensors positioned in the house, the data including activity events data from each non-motion sensor, the non-motion sensors including a key fob which detects when a possessor of the fob is in or around the house;

determine a second number of occupancy events per day as a total of activity events from the non-motion sensors;

add, once per day, the first number of occupancy events to the second number of occupancy events for a predetermined number of previous days to produce a sum; and

determine that the homeowner is on vacation if the sum is less than a second threshold.