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公开(公告)号：US10522009B1
公开(公告)日：2019-12-31
申请号：US16266423
申请日：2019-02-04
Inventor： Jackie O Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R Nussbaum , Deanna Stockweather , Jeffrey W Stoiber , Kerstin Markwardt , Gail L Carlson , Kyle C Schiebel , Troy Winslow , Joseph P Harr , Ellakate Wagner , Michael Harris, Jr. , Jennylind Sun
Abstract: Methods and systems for generating a response to detecting a fire on a property are provided. In certain aspects, a smart home controller (or other smart controller) may analyze data received from smart devices disposed on, within, or proximate to a property. If it is determined that a fire is present on the premises of the property, the smart home controller may determine a location of the fire as compared to the smart devices. The smart home controller may then generate and transmit instructions causing a portion of the smart devices to perform a set of actions to mitigate risks associated with the presence of the fire on the property. The smart home controller may also compare the location of the fire with a location of an occupant, and generate an escape route for the occupant. Insurance policies, premiums, or discounts may be adjusted based upon the fire response/mitigation functionality.
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公开(公告)号：US10353359B1
公开(公告)日：2019-07-16
申请号：US14873914
申请日：2015-10-02
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, Jr. , Jennylind Sun
Abstract: Systems and methods for managing the operation of devices within a home or other property based upon electrical usage data. With customer knowledge or consent, a home controller may retrieve and analyze electrical usage data corresponding to a device, such as by comparing it to certain threshold data. If the analysis results in a trigger condition, the controller may generate a command, and transmit the command to the device for implementation, allowing modification of device operation to address any issues indicated in the electrical usage data. The controller may also notify a home owner/occupant. As a result, faulty devices may be managed prior to their faults causing damage to the device and/or the property, and/or property owners may be timely prompted to investigate, repair, and/or replace a failing device. Insurance discounts may be provided based upon the risk mitigation/prevention functionality.
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13.发明授权公开(公告)号：US10089695B1
公开(公告)日：2018-10-02
申请号：US14844594
申请日：2015-09-03
Inventor： Jeremy Myers , Brittany Boyer , Dana Hunt , David Turrentine , Larry J. Ingrum , Erin Olander , Nicole M. Blakney , Aaron C. Williams
Abstract: Systems and methods for managing a long-term care insurance policy associated with a property are provided. According to certain aspects, configuration data associated with a component installed within the property may be received and analyzed to determine that the component is not included in a long-term care insurance policy of the property. The component may be analyzed to determine a discount associated with the long-term care insurance policy, and the discount may then be applied to the long-term care insurance policy.
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14.发明授权公开(公告)号：US09870448B1
公开(公告)日：2018-01-16
申请号：US14844963
申请日：2015-09-03
Inventor： Jeremy Myers , Brittany Boyer , Dana Hunt , David Turrentine , Larry J. Ingrum , Erin Olander , Nicole M. Blakney , Aaron C. Williams
IPC: G06F19/00
CPC classification number: G06F19/328 , G06Q50/00
Abstract: Systems and methods for processing insurance claims associated with a long-term care insurance policy are provided. According to certain aspects, an insurance claim that lists a set of services purportedly administered by a caregiver within a property of a policyholder may be received. Operation data may be collected from a set of devices that are populated within the property, where the operation data may be indicate a set of services that were actually performed. The set of purported services may be compared to the set of actual services, and the insurance claim may be processed accordingly.
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15.发明申请BIO-SAMPLE COLLECTION KITS, SYSTEMS AND METHODS FOR GENERATING BIOMARKER DATA FOR USE IN DETERMINING AN INSURANCE SCORE 审中-公开用于生成生物标记数据的生物样品收集工具，系统和方法用于确定保险分数公开(公告)号：US20150112718A1
公开(公告)日：2015-04-23
申请号：US14259780
申请日：2014-04-23
Inventor： David Turrentine , Jeremy Myers , Abby Tohline , Angi Bobsin , Kelly S. Minter , Miranda Kemp , Larry J. Ingrum
IPC: G06F19/00
CPC classification number: G06F19/328 , A61B5/1171 , A61B5/150022 , A61B5/150305 , A61B5/150358 , A61B5/150755 , A61B5/150786 , A61B5/15142 , A61B10/0045 , A61B10/0051 , A61B2010/0087 , A61B2503/12 , A61B2560/0406 , G01N2001/005 , G06Q40/08 , G06Q50/22 , G16H10/40
Abstract: The present disclosure generally relates to bio-sample, such as a dried blood spot (DBS) sample, a breath sample, an endothelial sample, saliva sample, etc., collection kits and identity authenticating mechanisms for the sample donors. The present disclosure further relates to systems and methods for generating biomarker data using bio-sample analysis information and authenticating information. The biomarker data may be used to determine an insurance score.
Abstract translation: 本公开一般涉及生物样品，例如干血斑（DBS）样品，呼吸样品，内皮样品，唾液样品等，样品供体的收集试剂盒和鉴定机制。 本公开还涉及使用生物样品分析信息和认证信息生成生物标志物数据的系统和方法。 生物标记数据可用于确定保险分数。
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Patent Agency Ranking
公开(公告)号：US11914728B2
公开(公告)日：2024-02-27
申请号：US17973652
申请日：2022-10-26
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shawn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
IPC: G06F21/62 , H04L9/08 , H04L29/08 , G06Q20/10 , H04L9/06 , H04L29/06 , H04L9/40 , H04L67/104 , G06F21/60 , H04L9/32 , G06Q20/38 , G06Q40/08 , H04L9/14 , H04L9/30 , G06Q20/40 , G06Q20/22 , G06Q10/10 , H04L9/00
CPC classification number: G06F21/6209 , G06F21/602 , G06F21/604 , G06F21/6245 , G06Q20/10 , G06Q20/102 , G06Q20/3825 , G06Q20/3827 , G06Q20/3829 , G06Q20/401 , G06Q20/4014 , G06Q40/08 , H04L9/0637 , H04L9/0825 , H04L9/0861 , H04L9/0894 , H04L9/14 , H04L9/30 , H04L9/3236 , H04L9/3247 , H04L63/0428 , H04L63/10 , H04L67/104 , G06Q10/10 , G06Q20/223 , G06Q2220/00 , G06Q2220/10 , H04L9/50 , H04L63/105 , H04L2209/56
Abstract: Methods and systems for managing and/or processing a blockchain to maintain data security for confidential and/or personal data are provided. According to certain aspects, the disclosed data security techniques may enable access sharing functionality utilizing the blockchain. For example, access sharing may be utilized to file documents, share policy information, and/or comply with an audit. The data security techniques disclosed herein also enable the use of smart contracts to transfer funds associated with payment obligations and/or other forms of blockchain based payments, comply with anti-money laundering requirements, report industry data, validate interest payments and/or maintain agent sales data. Data security may be achieved through the use of public key/private key encryption techniques.
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公开(公告)号：US11815864B2
公开(公告)日：2023-11-14
申请号：US18094731
申请日：2023-01-09
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, Jr. , Jennylind Sun
IPC: G06Q30/018 , G06Q50/16 , G06Q30/01 , G06V40/16 , G06Q40/08 , G06Q10/20 , G05B15/02 , H04L12/28 , G01C21/20 , H04W4/024 , G08B13/22 , G08B21/04 , G08B21/18 , H04W4/02 , H04N23/661 , G08B7/06 , G08B17/10 , H04L67/12 , G08B1/02 , G08B21/02 , H04W4/90
CPC classification number: G05B15/02 , G01C21/20 , G06Q10/20 , G06Q30/01 , G06Q30/018 , G06Q40/08 , G06Q50/163 , G06V40/172 , G08B1/02 , G08B7/062 , G08B7/066 , G08B13/22 , G08B17/10 , G08B21/043 , G08B21/0446 , G08B21/0461 , G08B21/182 , G08B21/185 , H04L12/283 , H04L12/2818 , H04L12/2825 , H04L67/12 , H04N23/661 , H04W4/02 , H04W4/024 , G08B21/0453 , H04W4/90
Abstract: Methods and systems that manage building code compliance are provided. A smart or interconnected home may be populated with multiple smart or other devices that are in wired or wireless communication with a central controller. The smart devices may be covered by an insurance policy, such as a homeowners, renters, or personal articles insurance policy. The controller may receive building code compliance information associated with the smart devices, and may update an inventory list to include the building code compliance information. The controller may detect that one or more devices do not comply with building code requirements. The controller may transmit a notification to a customer about possible corrective actions to remedy non-compliant conditions and to facilitate building code compliance. The smart devices may be associated with appliances, electronics, wiring, pipes, ducts, or other equipment or personal belongings. Insurance discounts may be provided based upon the building code compliance functionality.
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公开(公告)号：US20230251610A1
公开(公告)日：2023-08-10
申请号：US18134756
申请日：2023-04-14
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
CPC classification number: G05B15/02 , G06Q40/08 , H04L12/2818
Abstract: The present embodiments relate to managing the operation of devices within a home or other property based upon electrical usage data. With customer knowledge or consent, a home controller may retrieve and analyze electrical usage data corresponding to a device, such as by comparing it to certain threshold data. If the analysis results in a trigger condition, the controller may generate a command, and transmit the command to the device for implementation, allowing modification of device operation to address any issues indicated in the electrical usage data. In some implementations, the controller may notify a home owner/occupant. As a result, faulty devices may be managed prior to their faults causing damage to the device and/or the property, and/or property owners may be timely prompted to investigate, repair, and/or replace a failing device. Insurance discounts may be provided based upon the risk mitigation/prevention functionality.
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公开(公告)号：US20220374549A1
公开(公告)日：2022-11-24
申请号：US17881060
申请日：2022-08-04
Inventor： Melinda Teresa Magerkurth , Eric Bellas , Jaime Skaggs , Shwn M. Call , Eric R. Moore , Vicki King , Burton J. Floyd , David Turrentine , Steven T. Olson , Timothy Caleb Wells , Corin Rebekah Chapman , Edward W. Breitweiser , Robert Gomez , Shelia Cummings Smith
Abstract: Methods and systems for processing a blockchain comprising a plurality of immutable sales records corresponding to sales made by agents of an entity are provided. According to certain aspects, a transaction request indicating a sale made by an agent of the entity may be received at a first node. A block including a sales record indicating the sale made by the agent may be added to a blockchain and transmitted to another node for validation. The first node may add the block to a copy of the blockchain, where the block may be identified by a hash value that references a previous block in the blockchain that includes at least one additional sales record.
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公开(公告)号：US20220215732A1
公开(公告)日：2022-07-07
申请号：US17701316
申请日：2022-03-22
Inventor： Jackie O. Jordan, II , John Donovan , David Turrentine , Torri Wollenschlager , Bryan R. Nussbaum , Deanna L. Stockweather , Jeffrey W. Stoiber , Kerstin Markwardt , Gail L. Carlson , Kyle C. Schiebel , Troy Winslow , Joseph P. Harr , Ellakate Wagner , Michael Harris, JR. , Jennylind Sun
Abstract: The present embodiments relate to detecting instances of individuals being in peril within an independent or assisted living environment. According to certain aspects, with an individual's permission or affirmative consent, a hardware controller (such as a smart or interconnected home controller, or even a mobile device) may receive and analyze sensor data detected within the independent or assisted living environment to determine whether an individual may be in peril. In this circumstance, the hardware controller may generate a notification that indicates the situation and may communicate the notification to a proper individual, such as a family member or care giver, who may be in a position to mitigate or alleviate any risks posed by the situation. The foregoing functionality also may be used by an insurance provider to generate, update, or adjust insurance policies, premiums, rates, or discounts, and/or make recommendations to an insured individual.
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