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    Systems and methods for analyzing sensor data
    1.
    发明申请
    Systems and methods for analyzing sensor data 有权
    用于分析传感器数据的系统和方法

    公开(公告)号：US20080065427A1

    公开(公告)日：2008-03-13

    申请号：US11894049

    申请日：2007-08-16

    申请人： Jonathan Helitzer ,  Joseph Carvalko ,  Kelly Frey ,  G. Murchie ,  Susannah Chen ,  Steven Rippel ,  Casey Campbell

    发明人： Jonathan Helitzer ,  Joseph Carvalko ,  Kelly Frey ,  G. Murchie ,  Susannah Chen ,  Steven Rippel ,  Casey Campbell

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q10/0635 ,  G06Q10/08 ,  G06Q50/22

    摘要： The invention relates to systems and methods for analyzing data collected from sensors monitoring property. In particular, the systems and methods analyze the data to make property insurance underwriting decisions based on the collected sensor data using a computerized process that varies the way in which it manipulates the collected sensor data based on a characteristic of the property being insured, a characteristic of the entity seeking the insurance, and/or on the value of one or more collected data parameters. The invention also relates to systems and methods of making property insurance pricing decisions based on a similarly dynamic computerized process.

    摘要翻译： 本发明涉及用于分析从传感器监测属性收集的数据的系统和方法。 特别地，系统和方法分析数据以基于所收集的传感器数据进行财产保险承保决定，所述计算机化过程基于被保险属性的特性来改变其操纵收集的传感器数据的方式， 寻求保险的实体，和/或一个或多个收集的数据参数的价值。 本发明还涉及基于类似动态的计算机化过程制定财产保险定价决定的系统和方法。

    System for adjusting insurance for a building structure through the incorporation of selected technologies
    3.
    发明授权
    System for adjusting insurance for a building structure through the incorporation of selected technologies 有权
    通过结合选定技术调整建筑结构保险的制度

    公开(公告)号：US08676612B2

    公开(公告)日：2014-03-18

    申请号：US13617326

    申请日：2012-09-14

    申请人： Jonathan Helitzer ,  G. Stewart Murchie ,  Kelly L. Frey ,  Casey Ellen Kempton ,  Joseph R. Carvalko, Jr.

    发明人： Jonathan Helitzer ,  G. Stewart Murchie ,  Kelly L. Frey ,  Casey Ellen Kempton ,  Joseph R. Carvalko, Jr.

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/08

    摘要： A method and computerized system is disclosed for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of property losses. The invention utilizes a classifier for categorizing and weighing risk, composed of data representing in an identified building, a first unmitigated insurance risk and a second insurance risk, based upon the use of certain technology. A plurality of such weights are summed such that the weights generate a minimized risk for a building structure under consideration. Combinations of technologies employed in building structures are mapped to classifications, which then permits an underwriter to establish a premium. In another aspect of the invention, data structures representing the quantification of risk reduction attendant a given technology or product are chained into a plurality of decision trees that process a construction phase and a pruning phase.

    摘要翻译： 披露了一种方法和计算机化系统，用于管理关于用于抵御财产损失的财务后果的技术的承保，引用和约束保险单。 本发明基于使用某种技术，利用分类器对风险进行分类和称重，由代表识别的建筑物的数据，第一无保险险和第二保险风险组成。 将多个这样的权重相加，使得权重对于所考虑的建筑结构产生最小化的风险。 建筑结构中使用的技术的组合被映射到分类，然后允许承销商建立溢价。 在本发明的另一方面，代表给定技术或产品的风险降低量化的数据结构被链接到处理施工阶段和修剪阶段的多个决策树中。

    SYSTEMS AND METHODS FOR ANALYZING SENSOR DATA
    4.
    发明申请
    SYSTEMS AND METHODS FOR ANALYZING SENSOR DATA 审中-公开
    用于分析传感器数据的系统和方法

    公开(公告)号：US20100174566A1

    公开(公告)日：2010-07-08

    申请号：US12726884

    申请日：2010-03-18

    申请人： Jonathan Helitzer ,  G. Stewart Murchie ,  Kelly L. Frey, SR. ,  Casey Ellen Kempton ,  Joseph R. Carvalko, JR.

    发明人： Jonathan Helitzer ,  G. Stewart Murchie ,  Kelly L. Frey, SR. ,  Casey Ellen Kempton ,  Joseph R. Carvalko, JR.

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/08 ,  G06F19/00 ,  G06Q10/0635 ,  G06Q10/08 ,  G06Q50/22

    摘要： The invention herein generally pertains to underwriting an insurance policy utilizing sensors to detect, determine, measure and assess one or more conditions, states of affairs, physical properties and process as each relates an insurable property interest. More specifically is disclosed a method and computerized system for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of certain property losses. The significance of operable safety related devices or system loads are important diagnostic safety markers for measuring one or more properties affecting the safety or risk aversion and for underwriting an insurable interest. This invention also relates to a system and a method for acquiring and assessing the qualities, variables and parameters that affect the underwriting premium for a building structure (commercial or residential), vehicle, aircraft, marine craft or cargo.

    摘要翻译： 本发明一般涉及使用传感器来承保保险单以检测，确定，测量和评估一个或多个条件，事态，物理属性和过程，因为每一个都涉及可保险的财产利益。 更具体地，披露了一种方法和计算机化系统，用于管理关于用于抵制某些财产损失的财务后果的技术的承保，引用和约束保险单。 可操作的安全相关设备或系统负载的重要性是测量影响安全或风险规避和承保可投资权益的一个或多个属性的重要诊断安全标记。 本发明还涉及一种用于获取和评估影响建筑结构（商业或住宅），车辆，飞机，船舶或货物的承保费的质量，变量和参数的系统和方法。

    System for reducing the risk associated with an insured building structure through the incorporation of selected technologies
    5.
    发明授权
    System for reducing the risk associated with an insured building structure through the incorporation of selected technologies 有权
    通过并入选定技术降低与被保险建筑结构有关的风险的系统

    公开(公告)号：US08271303B2

    公开(公告)日：2012-09-18

    申请号：US12709117

    申请日：2010-02-19

    申请人： Jonathan Helitzer ,  G. Stewart Murchie ,  Kelly L. Frey, Sr. ,  Casey Ellen Campbell ,  Joseph R. Carvalko, Jr.

    发明人： Jonathan Helitzer ,  G. Stewart Murchie ,  Kelly L. Frey, Sr. ,  Casey Ellen Campbell ,  Joseph R. Carvalko, Jr.

    IPC分类号： G06Q40/00

    CPC分类号： G06Q40/08

    摘要： A method and computerized system is disclosed for managing the underwriting, quoting and binding an insurance policy with regard to the technology used to militate against the financial consequences of property losses. The invention utilizes a classifier for categorizing and weighing risk, composed of data representing in an identified building, a first unmitigated insurance risk and a second insurance risk, based upon the use of certain technology. A plurality of such weights are summed such that the weights generate a minimized risk for a building structure under consideration. Combinations of technologies, employed in existing building structures, are assigned to a classification, which then permits an underwriter to establish a premium. In another aspect of the invention data structures representing the quantification of risk reduction attendant a given technology or product are chained into a plurality of decision trees that process a construction phase and a pruning phase.

    摘要翻译： 披露了一种方法和计算机化系统，用于管理关于用于抵御财产损失的财务后果的技术的承保，引用和约束保险单。 本发明基于使用某种技术，利用分类器对风险进行分类和权重分组，由代表识别的建筑物的数据，第一无保险险和第二保险风险组成。 将多个这样的权重相加，使得权重对于所考虑的建筑结构产生最小化的风险。 在现有建筑结构中使用的技术组合被分配到分类，然后允许承销商建立溢价。 在本发明的另一方面，表示给定技术或产品的风险降低量化的数据结构被链接到处理施工阶段和修剪阶段的多个决策树中。