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公开(公告)号：US20220005134A1
公开(公告)日：2022-01-06
申请号：US17478568
申请日：2021-09-17
Inventor： John Ryan Hailey , John Andrew Schirano , Erin Ann Olander
Abstract: A home cost analysis server is configured to train an image processing program to identify features of homes, receive user input including a prospective home, and access a first database storing metadata and images associated with homes, including the prospective home, available for purchase. The server is also configured to input images of the prospective home to the machine-learned image processing program, which outputs a feature of the prospective home, access a second database storing historical ancillary costs, and perform a lookup in the second database to retrieve comparable historical ancillary costs associated homes having a comparable feature to the outputted feature. The server is further configured to analyze the metadata associated with the prospective home, the outputted feature, and the comparable historical ancillary costs to determine ancillary home costs associated with the prospective home, and display the ancillary home costs and an overall monthly cost for the prospective home.
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公开(公告)号：US20210264525A1
公开(公告)日：2021-08-26
申请号：US15339494
申请日：2016-10-31
Inventor： John H. Weekes , Daryoush Hakimi-Boushehri , Erin Ann Olander , Dana C. Hunt , Christopher N. Kawakita
Abstract: A computer-implemented method of providing insurance coverage to risk averse home owners having standby generators. The method may include: (1) providing, by an insurance provider remote server, an ability of a vendor that provides a standby generator for a home to make available to the insurance provider data associated with a customer and/or the standby generator; (2) receiving, at the insurance provider remote server from the vendor, with customer permission or affirmative consent, the data associated with the customer and/or the standby generator; and (3) determining, by the insurance provider remote server based upon the data associated with the customer and/or the standby generator, data associated with the insurance coverage and/or data associated with terms of the insurance coverage. The data associated with the customer and/or the standby generator may be received by the insurance provider via wireless communication over one or more radio links or communication channels, for instance.
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公开(公告)号：US11023985B1
公开(公告)日：2021-06-01
申请号：US15815044
申请日：2017-11-16
Inventor： John Ryan Hailey , John Andrew Schirano , Erin Ann Olander
Abstract: A home cost analysis server for executing a customized home search may include a processor programmed to receive user input including a geographic area and a budget, and define a budget constraint. The processor may access an external database storing a list of available homes in the geographic area, and analyze metadata associated with each available home on the list to determine a monthly home cost associated with each available home. The processor may also determine a significant home maintenance cost associated with each available home based upon the metadata and the geographic area, and calculate a total cost associated with each available home. The processor may further isolate a subset of the available homes having the total cost associated therewith that satisfies the budget constraint, and cause to be displayed the subset of available homes along with a graphical indicator that associates the total cost with the budget constraint.
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公开(公告)号：US20240320560A1
公开(公告)日：2024-09-26
申请号：US18628294
申请日：2024-04-05
Inventor： Erin Ann Olander , Jeff Riblet , Christopher N. Kawakita
Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to train processing elements to identify abnormal electrical activity. Via the trained processing elements, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent damage to the structure.
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公开(公告)号：US11676226B1
公开(公告)日：2023-06-13
申请号：US17308762
申请日：2021-05-05
Inventor： John Ryan Hailey , John Andrew Schirano , Erin Ann Olander
IPC: G06Q40/00 , G06Q50/16 , G06T7/00 , G06Q30/0283 , G06Q30/0201 , G06Q40/03
CPC classification number: G06Q50/16 , G06Q30/0201 , G06Q30/0283 , G06Q40/03 , G06T7/0002
Abstract: A home cost analysis server for executing a customized home search may include a processor programmed to define a user's budget constraint and a level of flexibility thereof, including a threshold difference from the budget constraint, retrieve a list of homes and public listing information associated with each home, and determine a monthly cost associated with each home. The processor may also isolate a first subset of homes having a monthly cost that satisfies the budget constraint, and a second subset of homes having a monthly cost within the threshold difference of the budget constraint, and display the first and second subsets along with respective first and second graphical indicators, as well as a third graphical indicator of a first adjustable expense data element, the third graphical indicator recommending reducing the first adjustable data element to move at least one first home from the second subset into the first subset.
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Patent Agency Ranking
公开(公告)号：US11663684B2
公开(公告)日：2023-05-30
申请号：US17478568
申请日：2021-09-17
Inventor： John Ryan Hailey , John Andrew Schirano , Erin Ann Olander
CPC classification number: G06Q50/16 , G06F3/048 , G06Q30/0283 , G06Q40/025 , G06Q40/08
Abstract: A home cost analysis server is configured to train an image processing program to identify features of homes, receive user input including a prospective home, and access a first database storing metadata and images associated with homes, including the prospective home, available for purchase. The server is also configured to input images of the prospective home to the machine-learned image processing program, which outputs a feature of the prospective home, access a second database storing historical ancillary costs, and perform a lookup in the second database to retrieve comparable historical ancillary costs associated homes having a comparable feature to the outputted feature. The server is further configured to analyze the metadata associated with the prospective home, the outputted feature, and the comparable historical ancillary costs to determine ancillary home costs associated with the prospective home, and display the ancillary home costs and an overall monthly cost for the prospective home.
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17.发明申请公开(公告)号：US20230081906A1
公开(公告)日：2023-03-16
申请号：US17988826
申请日：2022-11-17
Inventor： Erin Ann Olander , Christopher N. Kawakita , Jeff Riblet
Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.
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18.发明申请公开(公告)号：US20220393457A1
公开(公告)日：2022-12-08
申请号：US17887665
申请日：2022-08-15
Inventor： Erin Ann Olander , Christopher N. Kawakita , Jeff Riblet
Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.
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19.发明授权公开(公告)号：US11451043B1
公开(公告)日：2022-09-20
申请号：US15624873
申请日：2017-06-16
Inventor： Erin Ann Olander , Christopher N. Kawakita , Jeff Riblet
Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the structure. Electrical activity may be correlated with respective electrical devices to build an electrical profile indicative of the structure's electricity usage. Based on the electrical profile, abnormal electrical activity may be identified and corrective actions may be taken to mitigate or prevent structural damage.
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20.发明申请公开(公告)号：US20210192630A1
公开(公告)日：2021-06-24
申请号：US16419691
申请日：2019-05-22
Inventor： Daryoush Hakimi-Boushehri , Erin Ann Olander , Christopher N. Kawakita
Abstract: Methods and apparatus for evaluating usage of individual electric or electronic devices, such as appliances, powered via an electrical system of a home, is provided. The methods and apparatus correlate the usage of electric or electronic devices about a structure, such as a home, business, or office building to claim risk profiles to identify ways to lower risk corresponding to the usage of such electric or electronic devices. The methods and apparatus identify ways to lower risk by updating one or more terms of a user policy, such as a dynamic homeowners usage-based insurance (UBI) policy, providing a recommendation for upgrading or replacing individual electric or electronic devices, and/or adjusting the electricity consumption for the individual electric or electronic devices.
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