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公开(公告)号：US12182891B2
公开(公告)日：2024-12-31
申请号：US18320044
申请日：2023-05-18
Inventor： John Ryan Hailey , John Andrew Schirano , Erin Ann Olander
IPC: G06Q40/00 , G06Q30/0201 , G06Q30/0283 , G06Q40/03 , G06Q50/16 , G06T7/00
Abstract: A home cost analysis server for executing a customized home search may include a processor programmed to define a user budget constraint, receive a list of available homes, and determine an initial monthly cost for each home. The processor may also identify one or more additional home costs based on historical insurance claim data. The processor may also display available homes that satisfy the user budget constraint.
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22.发明公开公开(公告)号：US20240013311A1
公开(公告)日：2024-01-11
申请号：US18370390
申请日：2023-09-19
Inventor： Erin Ann Olander , Christopher N. Kawakita , Jeff Riblet
IPC: G06Q40/08
CPC classification number: G06Q40/08
Abstract: Methods and systems for identifying and correcting abnormal electrical activity about a home or other structure are provided. An electricity monitoring device may monitor electrical activity including transmission of electricity via an electrical distribution board to devices about the home. Electrical activity may be correlated with respective electrical devices to build an electrical profile associated with the structure. In response to a claimed damage to the structure or to electric devices therein, some electrical activity may be compared to the electrical profile to determine whether the damage occurred voluntarily or involuntarily.
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23.发明公开公开(公告)号：US20230387675A1
公开(公告)日：2023-11-30
申请号：US18234100
申请日：2023-08-15
Inventor： Erin Ann Olander , Christopher N. Kawakita , Jeff Riblet
CPC classification number: H02H3/04 , G08B21/185 , G06Q40/08 , G05B15/02 , G01R31/50 , G05B2219/163 , G05B2219/2642 , Y04S20/14 , H02J3/001
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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Patent Agency Ranking
24.发明授权公开(公告)号：US11769996B2
公开(公告)日：2023-09-26
申请号：US17887665
申请日：2022-08-15
Inventor： Erin Ann Olander , Christopher N. Kawakita , Jeff Riblet
CPC classification number: H02H3/04 , G01R31/50 , G05B15/02 , G06Q40/08 , G08B21/185 , G05B2219/163 , G05B2219/2642 , H02J3/001 , Y02B90/20 , Y04S20/14 , Y04S20/30
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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公开(公告)号：US20230289905A1
公开(公告)日：2023-09-14
申请号：US18320044
申请日：2023-05-18
Inventor： John Ryan Hailey , John Andrew Schirano , Erin Ann Olander
IPC: G06Q50/16 , G06Q30/0283 , G06Q40/03 , G06Q30/0201 , G06T7/00
CPC classification number: G06Q50/16 , G06Q30/0283 , G06Q40/03 , G06Q30/0201 , G06T7/0002
Abstract: A home cost analysis server for executing a customized home search may include a processor programmed to define a user budget constraint, receive a list of available homes, and determine an initial monthly cost for each home. The processor may also identify one or more additional home costs based on historical insurance claim data. The processor may also display available homes that satisfy the user budget constraint.
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26.发明申请公开(公告)号：US20210350471A1
公开(公告)日：2021-11-11
申请号：US16419819
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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公开(公告)号：US11151669B1
公开(公告)日：2021-10-19
申请号：US15815029
申请日：2017-11-16
Inventor： John Ryan Hailey , John Andrew Schirano , Erin Ann Olander
Abstract: A home cost analysis server for identifying one or more hidden home costs may include a processor programmed to receive user input including at least one prospective home. The processor may access a first external database storing metadata associated with a plurality of homes available for purchase, the plurality of homes including the prospective home, and access a second external database storing historical ancillary costs associated with a plurality of homes in a geographic area surrounding the prospective home. The processor may analyze metadata associated with the prospective home and the historical ancillary costs to determine ancillary home costs associated with the prospective home, and cause to be displayed the ancillary home costs at the user computing device using at least one graphical indicator. As a result, the prospective homebuyer may have additional education and insight into the potential costs of owning a home.
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公开(公告)号：US10387966B1
公开(公告)日：2019-08-20
申请号：US15403376
申请日：2017-01-11
Inventor： Rajiv Shah , Michael Shawn Jacob , Sripriya Sundararaman , Jeffrey David Hevrin , Jeffrey Kinsey , Phillip Sangpil Moon , EllaKate LeFebre , Sunish Menon , Jeffrey Wilson Stoiber , James Nolan Dykeman , Erin Ann Olander , Lucas Allen
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.
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