SYSTEMS AND METHODS FOR PROVIDING A SAFETY SCORE ASSOCIATED WITH A USER LOCATION

  • US 20120123806A1
  • Filed: 09/15/2011
  • Published: 05/17/2012
  • Est. Priority Date: 12/31/2009
  • Status: Active Grant
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First Claim
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1. An insurance system, comprising:

  • a data storage device for storing, updating and providing access to a plurality of loss risk factors associated with geographic locations;

    a computer processor for executing program instructions and for retrieving the plurality of loss risk factors from the data storage device;

    a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor;

    a communication device to receive a request for a safety score associated with data indicative of at least one user location; and

    a scoring engine comprising program instructions stored in the memory for calculating a safety score based on the data indicative of the user location and the plurality of loss risk factors, wherein at least one loss risk factor is associated with civic improvement platform data based on participant safety reports received by a civic improvement platform.

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