Determining risks related to activities on insured properties using informatic sensor data
US9811862B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Jun 12, 2014 |
| Grant date | Nov 7, 2017 |
| Priority date | — |
| Expiry date | Jun 12, 2034 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q2220/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A computer device and method for processing data to determine suggested modifications to the policy terms or conditions contingent upon informatic data relating to habits and activities of inhabitants of an insured property or location. Informatic data relating to an insured property or location is electronically received from at least one informatic sensor device and is analyzed to determine behavioral habits and activities of one or more inhabitants associated with the insured property so as to identify one or more risks associated with the insured property or location. Electronic data is received for one or more terms of an insurance policy associated with the insured property and is analyzed to determine suggested modifications to the policy terms or conditions based upon the determined behavioral habits and activities of the one or more inhabitants associated with the insured property.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.