Systems and methods for customer-related risk zones

• US 8,682,699 B2
• Filed: 12/22/2011
• Issued: 03/25/2014
• Est. Priority Date: 12/26/2010
• Status: Active Grant

• Current Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Original Assignee: The Travelers Indemnity Company (The Travelers Cos., Inc.)
• Inventors: Collins, Dean M., Smith, Bryan
• Primary Examiner(s): Lemieux, Jessica
• Application Number:
  US13/334,897
• Publication Number:
  US 20120173290A1
• Time in Patent Office: 824 Days
• Field of Search: 705/4
• US Class Current: 705/4
• CPC Class Codes: G06Q 40/08 Insurance

Abstract

Systems, apparatus, methods, and articles of manufacture that provide for outputting and utilization of risk zone information are provided. In some embodiments, risk zone information may be utilized to select, price, and/or manage an insurance policy.

Claims

1. A method, comprising:

accessing, by a specially-programmed processing device, risk data descriptive of a level of risk of at least one of a particular object and a particular area;

processing, by the specially-programmed processing device, the risk data to determine a level of risk associated with a personal insurance product;

providing, by the specially-programmed processing device and to a customer device, a graphical interface representing the level of risk of the at least one of the particular object and the particular area;

receiving, by the specially-programmed processing device and from the customer device, an indication that the graphical interface has been accessed by the customer device; and

determining, by the specially-programmed processing device, personal insurance data based on the indication that the graphical interface has been accessed by the customer device.

2. The method of claim 1, wherein accessing the risk data comprises:

receiving the risk data from a sensor associated with the customer.

3. The method of claim 1, wherein the particular object comprises an object for which a personal insurance policy based on the personal insurance data is not written.

4. The method of claim 1, wherein processing the risk data comprises determining a qualitative representation of the risk level.

5. The method of claim 1, wherein the indication comprises an indication that the graphical interface has been accessed by the customer device at a predetermined frequency.

6. The method of claim 1, further comprising:

receiving an indication that the customer has complied with a risk level requirement of a personal insurance policy associated with the insurance data.

7. The method of claim 6, wherein receiving the indication that the customer has complied comprises receiving telematics data associated with the customer.

8. The method of claim 1, wherein the indication comprises a customer selection made via the graphical interface.

9. The method of claim 1, wherein the personal insurance data comprises at least one of:

(i) an insurance premium amount;

(ii) an insurance deductible amount;

(iii) an insurance discount amount;

(iv) an insurance surcharge amount; and

(v) a reward points amount.

10. The method of claim 1, further comprising:

selling the personal insurance product to the customer, the insurance product being based at least in part on the personal insurance data.

11. An apparatus, comprising:

an electronic processing device; and

a memory device in communication with the electronic processing device, the memory device storing specially-programmed instructions that when executed by the electronic processing device result in;

accessing risk data descriptive of a level of risk of at least one of a particular object and a particular area;

processing the risk data to determine a level of risk associated with a personal insurance product;

providing, to a customer device, a graphical interface representing the level of risk of the at least one of the particular object and the particular area;

receiving, from the customer device, an indication that the graphical interface has been accessed by the customer device; and

determining personal insurance data based on the indication that the graphical interface has been accessed by the customer device.

12. The apparatus of claim 11, wherein accessing the risk data comprises:

receiving, from a sensor associated with the customer, the data.

13. The apparatus of claim 11, wherein the particular object comprises an object for which a personal insurance policy based on the personal insurance data is not written.

14. The apparatus of claim 11, wherein processing the risk data comprises determining a qualitative representation of the risk level.

15. The apparatus of claim 11, wherein the indication comprises an indication that the graphical interface has been accessed by the customer device at a predetermined frequency.

16. The apparatus of claim 11, wherein the instructions, when executed by the processing device, further result in:

receiving an indication that the customer has complied with a risk level requirement of a personal insurance policy associated with the personal insurance data.

17. The method of claim 16, wherein receiving the indication that the customer has complied comprises receiving telematics data associated with the customer.

18. A non-transitory article of manufacture storing instructions that when executed by a processing device result in:

accessing risk data descriptive of a level of risk of at least one of a particular object and a particular area;

processing the risk data to determine a level of risk associated with a personal insurance product;

providing, to a customer device, a graphical interface representing the level of risk of the at least one of the particular object and the particular area;

receiving, from the customer device, an indication that the graphical interface has been accessed by the customer device; and

determining personal insurance data based on the indication that the graphical interface has been accessed by the customer device.

19. The article of manufacture of claim 18, wherein the particular object comprises an object for which a personal insurance policy based on the personal insurance data is not written.

20. The article of manufacture of claim 18, wherein the instructions, when executed by the processing device, further result in:

receiving an indication that the customer has complied with a risk level requirement of a personal insurance policy associated with the personal insurance data.

21. The method of claim 20, wherein receiving the indication that the customer has complied comprises receiving telematics data associated with the customer.