NOTIFICATION OF THE CONDITION OF A PROPERTY

• US 20170301030A1
• Filed: 12/12/2016
• Published: 10/19/2017
• Est. Priority Date: 05/31/2013
• Status: Active Grant

• Current Assignee: oneEvent Technologies, Inc.
• Original Assignee: oneEvent Technologies, Inc.
• Inventors: Wedig, Kurt J., Parent, Daniel Ralph
• Granted Patent: US 11,562,434 B2
• Time in Patent Office: Days
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G08B 21/182 Level alarms, e.g. alarms responsive to variables exceeding a threshold

Abstract

A method includes receiving, at an insurance provider server and from at least one sensor located at an insured property, sensor data indicative of an insurance risk associated with the insured property. The method also includes determining, based at least in part on the received sensor data, a risk-adjusted insurance premium for an insurance account associated with the insured property. The risk-adjusted insurance premium compensates for the insurance risk associated with the insured property.

Claims

1. A method comprising:

receiving, at a computing device, sensor data that indicates a condition of a property, wherein the condition of the property is affected at least in part by one or more occupants of the property, and wherein the sensor data is received from a sensor node that is configured to monitor the condition of the property;

determining, by the computing device, an adjusted risk based on the sensor data and a previously determined risk;

comparing, by the computing device, the adjusted risk and a threshold risk; and

notifying, via a user interface, a user of the condition of the property.

2. The method of claim 1, wherein said notifying the user includes providing a recommendation to reduce the adjusted risk.

3. The method of claim 2, wherein the recommendation includes a change of behavior of the occupant.

4. The method of claim 2, wherein the recommendation includes suggested maintenance of the property.

5. The method of claim 1, wherein said notifying the user includes providing an incentive to reduce the adjusted risk.

6. The method of claim 1, wherein said notifying the user includes providing to the user a report including a time, a location, and the adjusted risk.

7. The method of claim 1, wherein the previously determined risk was determined based on a plurality of sensor data, each sensor data indicating a condition of the property at a different time.

8. A system comprising:

a sensor node configured to monitor a condition of a property, wherein the condition of the property is affected at least in part by one or more occupants of the property; and

a computing device configured to;

receive, from the sensor node, sensor data that indicates the condition of the property,

determine an adjusted risk based on the sensor data and a previously determined risk;

compare the adjusted risk and a threshold risk; and

notify, via a user interface, a user of the condition of the property.

9. The system of claim 8, wherein to notify the user, the computing device is configured to provide a recommendation to reduce the adjusted risk.

10. The system of claim 9, wherein the recommendation includes a change of behavior of the occupant.

11. The system of claim 9, wherein the recommendation includes suggested maintenance of the property.

12. The system of claim 8, wherein to notify the user, the computing device is configured to provide an incentive to reduce the adjusted risk.

13. The system of claim 8, wherein to notify the user, the computing device is configured to provide to the user a report including a time, a location, and the adjusted risk.

14. The system of claim 8, wherein the previously determined risk was determined based on a plurality of sensor data, each sensor data indicating a condition of the property at a different time.

15. The system of claim 8, wherein the sensor data that indicates the condition of the property includes an indication of an activation state of the sensor data, and wherein to notify the user, the computing device is configured to provide a recommendation to more frequently activate the sensor node.

16. The system of claim 8, wherein the previously determined risk is indicative of a learned normal pattern of the condition of the property, and wherein the adjusted risk indicates an abnormal condition of the property.

17. A non-transitory computer-readable medium having computer-readable instructions stored thereon that, upon execution by a processor, cause a device to perform operations, wherein the instructions comprise:

instructions to receive sensor data that indicates a condition of a property, wherein the condition of the property is affected at least in part by one or more occupants of the property, and wherein the sensor data is received from a sensor node that is configured to monitor the condition of the property;

instructions to determine an adjusted risk based on the sensor data and a previously determined risk;

instructions to compare the adjusted risk and a threshold risk; and

instructions to notify, via a user interface, a user of the condition of the property.

18. The non-transitory computer-readable medium of claim 17, wherein the instructions to notify the user include instructions to provide a recommendation to reduce an adjusted risk that is determined in the future.

19. The non-transitory computer-readable medium of claim 17, wherein the instructions to notify the user include instructions to provide an incentive to reduce an adjusted risk that is determined in the future.

20. The non-transitory computer-readable medium of claim 17, wherein the sensor data that indicates the condition of the property includes an indication of an activation state of the sensor data, and wherein the instructions to notify the user of the condition of the property includes instructions to recommend that activation of the sensor node is to be more frequent.