Identifying property usage type based upon smart sensor data
US10387966B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 11, 2017 |
| Grant date | Aug 20, 2019 |
| Priority date | — |
| Expiry date | May 28, 2037 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04Q2209/86
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A computer-implemented method for identifying a property usage type based upon sensor data includes, with customer permission or affirmative consent, receiving data generated by various sensors; generating a report that includes a listing of events recorded by each sensor; analyzing data from the report to determine a property usage type score; receiving data regarding types and levels of insurance coverage associated with the property usage type score; receiving data derived from a homeowner's insurance policy; comparing the types and levels of insurance coverage associated with the property usage type score with the types and levels of insurance coverage from the homeowner's current insurance policy; and transmitting a message to the homeowner to update their insurance policy if there are differences between (i) the insurance coverage that the homeowner has, and (ii) the insurance coverage the homeowner should have based upon the property usage type score.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.