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公开(公告)号:US10741033B1
公开(公告)日:2020-08-11
申请号:US16445399
申请日:2019-06-19
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: G08B13/22
Abstract: The present embodiments relate to identifying property intrusion events based upon sensor data received from smart devices populated about a home. A smart home controller may compare the sensor data to baseline sensor data to dynamically identify an intrusion event that may be occurring. The controller may generate a notification and determine an action to perform to facilitate damage or risk mitigation. Accordingly, an individual associated with the home may be notified of the event, and then select to perform the action, such as via their mobile device. In some implementations, the controller may automatically perform the action. As a result, in response to computer identification of an intrusion event, corrective action may be taken or prompted, or otherwise any damage caused by the intrusion event may be mitigated, reducing insurance claims or claim amounts associated with intrusion events. Insurance discounts may be provided based upon the risk mitigation functionality.
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公开(公告)号:US10573146B1
公开(公告)日:2020-02-25
申请号:US14873865
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: 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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公开(公告)号:US10467702B1
公开(公告)日:2019-11-05
申请号:US14568186
申请日:2014-12-12
Inventor: Michael Harris, Jr.
Abstract: The method, system, and computer-readable medium facilitates a peer to peer marketplace created and maintained by an insurance provider. The provider enables sharing of goods and services among policyholders. A listing including a listing category for a good or service to be offered in the peer to peer marketplace can be received. An insurance policy quote to cover a rental transaction of the good or service offered in the listing can be generated, and both the listing and quote can be stored in a data repository. Next, a search category can be received, and one or more listings can be determined to be pertinent based on the search category. The determined pertinent listings can be presented and the rental transaction can be received.
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公开(公告)号:US10282961B1
公开(公告)日:2019-05-07
申请号:US15895149
申请日:2018-02-13
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 escape routes are provided. With a home owner's or insured's permission, a smart home controller or insurance provider remote processor may analyze data received from a plurality of smart devices disposed on, within, or proximate to a home, as well as data received from an insurance provider. If it is determined that an emergency situation necessitating an evacuation exists, the smart home controller or insurance provider remote processor may automatically generate escape routes to guide occupants to safety. The smart home controller may then transmit the generated escape routes to inform occupants of emergency situation and how to reach safety. The smart home controller and/or insurance provider may also issue commands to smart devices to ensure the safety of the generated escape routes. Insurance policies, premiums, or discounts may be adjusted based upon the escape route determination functionality.
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公开(公告)号:US10249158B1
公开(公告)日:2019-04-02
申请号:US14873942
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: 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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