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Identifying and recommending insurance policy products/services using informatic sensor data

  • US 10,783,588 B1
  • Filed: 03/05/2018
  • Issued: 09/22/2020
  • Est. Priority Date: 01/10/2014
  • Status: Active Grant
First Claim
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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.

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