DATA ACQUISITION APPARATUS CONFIGURED TO ACQUIRE DATA FOR INSURANCE PURPOSES, AND RELATED SYSTEMS AND METHODS
First Claim
Patent Images
1. A data acquisition apparatus for collecting insurance-related information, comprising:
- memory including personal identification information stored thereon, wherein the personal identification information is associated with insurance of an insurance policyholder;
a data acquisition unit configured to be physically associated with the insurance policy holder, the data acquisition unit further configured to acquire environmental data associated with at least one environmental condition to which the insurance policyholder is exposed, the data acquisition unit operably coupled to the memory, the memory being configured to store the acquired environmental data thereon; and
at least one processor having access to the memory, the at least one processor configured to instruct a data transmitter to transmit one or more data signals from the insurance policyholder that encode the personal identification information and information related to at least part of the acquired environmental data.
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Abstract
Embodiments disclosed herein are directed to data acquisition apparatuses configured to acquire insurance-related environmental data from an insurance policyholder for insurance purposes and transmit the insurance-related environmental data directly or indirectly to an insurer of insurance for the insurance policyholder, and related systems and methods.
34 Citations
83 Claims
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1. A data acquisition apparatus for collecting insurance-related information, comprising:
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memory including personal identification information stored thereon, wherein the personal identification information is associated with insurance of an insurance policyholder; a data acquisition unit configured to be physically associated with the insurance policy holder, the data acquisition unit further configured to acquire environmental data associated with at least one environmental condition to which the insurance policyholder is exposed, the data acquisition unit operably coupled to the memory, the memory being configured to store the acquired environmental data thereon; and at least one processor having access to the memory, the at least one processor configured to instruct a data transmitter to transmit one or more data signals from the insurance policyholder that encode the personal identification information and information related to at least part of the acquired environmental data. - View Dependent Claims (3, 4, 5, 6, 7, 9, 11, 15, 16, 17, 18, 19, 20, 21)
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22. A data acquisition apparatus for collecting insurance-related information, comprising:
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memory including personal identification information stored thereon, wherein the personal identification information is associated with insurance of an insurance policyholder; a data acquisition unit configured to be physically associated with the insurance policyholder and to acquire environmental data associated with at least one environmental condition to which the insurance policyholder is exposed; and a data transmitter having access to the memory and coupled to the data acquisition unit, the data transmitter configured to transmit one or more data signals from of the insurance policyholder that encode the personal identification information and information related to at least part of the acquired environmental data. - View Dependent Claims (24, 25, 26, 27, 28, 32, 34, 35, 36, 37, 38, 39, 40, 41)
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50. A system, comprising:
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a data acquisition apparatus configured to be physically associated with an insurance policyholder, the data acquisition unit including, memory having personal identification information stored thereon, wherein the personal identification information is associated with insurance of the insurance policyholder; a data acquisition unit configured to be physically associated with the insurance policyholder and acquire environmental data associated with at least one environmental condition to which the insurance policyholder is exposed; and a data transmitter operably coupled to the data acquisition unit and the memory, the data transmitter configured to transmit one or more data signals encoding the personal identification information, and information related to at least part of the acquired environmental data; and a computing device including, a data receiver configured to receive the one or more data signals; and memory having an insurance database stored thereon, the insurance database including information about the insurance of the insurance policyholder. - View Dependent Claims (51, 52, 53, 55, 56, 57, 58, 61, 62)
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67. A method, comprising:
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receiving environmental data about at least one environmental condition to which an insurance policyholder is exposed, wherein the environmental data is collected from a data acquisition apparatus physically associated with the insurance policyholder; and transmitting one or more data signals from the insurance policyholder, wherein the one or more data signals encode personal identification information associated with insurance of the insurance policyholder and information related to at least part of the environmental data. - View Dependent Claims (68, 69, 70, 75, 76, 77, 78)
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79. A method, comprising:
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receiving one or more data signals transmitted from a data acquisition apparatus physically associated with the insurance policyholder, wherein the one or more data signals encode personal identification information associated with insurance of an insurance policyholder and information related to environmental data collected with the data acquisition apparatus; and associating the information with the insurance of the insurance policyholder identified by the personal identification information encoded in the one or more signals. - View Dependent Claims (80, 81, 82, 83)
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Specification