Identifying and recommending insurance policy products/services using informatic sensor data
First Claim
1. A system for processing electronic data, comprising:
- a database configured to store at least one insurance dataset corresponding to a dwelling, the at least one insurance dataset comprising one or more data records corresponding to one or more insurance coverages of one or more attributes of the dwelling;
a plurality of electronic sensor devices associated with the dwelling configured to capture data relating to the dwelling and to electronically transmit captured data, the plurality of electronic sensor devices comprising at least a motion sensor configured to collect data associated with structural movement of the dwelling; and
a server communicatively coupled with the database and each electronic sensor device within the plurality of electronic sensor devices, the server programmed to;
generate an instruction configured to receive data associated with the structural movement of the dwelling;
transmit the instruction to the motion sensor, the instruction configured to initiate a data capture by the motion sensor;
determine a structural susceptibility value based on the data received from the motion sensor;
retrieve the at least one insurance dataset corresponding to the dwelling;
determine whether the at least one insurance dataset comprises at least one data record corresponding to the structural susceptibility value; and
transmit an electronic message configured to notify an electronic device associated with the dwelling, the electronic message comprising the structural susceptibility value and at least one corresponding insurance dataset excluded from the one or more insurance coverages.
1 Assignment
0 Petitions
Accused Products
Abstract
A computer system and method for processing insurance claim data to identify and recommend insurance policy modifications using informatic data from one or more informatic sensor devices relating to a dwelling. Analytical analysis is performed on the received informatic data to determine a dwelling assessment value regarding an insurance risk relating to the dwelling. Electronic data relating to an insurance policy associated with the dwelling is received by a computer processor and is electronically analyzed to determine insurance coverage and liability values for the dwelling as prescribed by the insurance policy. Predefined business rules are utilized by a computer processor using at least the dwelling assessment value and the determined insurance coverage and liability values for the dwelling to determine, and preferably recommend, one or more insurance products for inclusion with the insurance policy to mitigate insuree liability regarding the dwelling.
346 Citations
20 Claims
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1. A system for processing electronic data, comprising:
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a database configured to store at least one insurance dataset corresponding to a dwelling, the at least one insurance dataset comprising one or more data records corresponding to one or more insurance coverages of one or more attributes of the dwelling; a plurality of electronic sensor devices associated with the dwelling configured to capture data relating to the dwelling and to electronically transmit captured data, the plurality of electronic sensor devices comprising at least a motion sensor configured to collect data associated with structural movement of the dwelling; and a server communicatively coupled with the database and each electronic sensor device within the plurality of electronic sensor devices, the server programmed to; generate an instruction configured to receive data associated with the structural movement of the dwelling; transmit the instruction to the motion sensor, the instruction configured to initiate a data capture by the motion sensor; determine a structural susceptibility value based on the data received from the motion sensor; retrieve the at least one insurance dataset corresponding to the dwelling; determine whether the at least one insurance dataset comprises at least one data record corresponding to the structural susceptibility value; and transmit an electronic message configured to notify an electronic device associated with the dwelling, the electronic message comprising the structural susceptibility value and at least one corresponding insurance dataset excluded from the one or more insurance coverages. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method comprising:
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generating, by a server, an instruction configured to receive data associated with structural movement of the dwelling; transmitting, by the server, the instruction to a motion sensor from a plurality of electronic sensor devices, the instruction configured to initiate a data capture by the motion sensor, the plurality of electronic sensor devices associated with the dwelling configured to capture data relating to the dwelling and to electronically transmit captured data, the plurality of electronic sensor devices comprising at least a motion sensor configured to collect data associated with structural movement of the dwelling; determining, by the server, a structural susceptibility value based on the data received from the motion sensor; retrieving, by the server from a database, at least one insurance dataset corresponding to the dwelling, the database configured to store at least one insurance dataset corresponding to the dwelling, the at least one insurance dataset comprising one or more data records corresponding to one or more insurance coverages of one or more attributes of the dwelling; determining, by the server, whether the at least one insurance dataset comprises at least one data record corresponding to the structural susceptibility value; and transmitting, by the server, an electronic message configured to notify an electronic device associated with the dwelling, the electronic message comprising the structural susceptibility value and at least one corresponding insurance dataset excluded from the one or more insurance coverages. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification