Patent Issued for Determining An Event (USPTO 10,430,889)
2019 OCT 15 (NewsRx) -- By a
The assignee for this patent, patent number 10,430,889, is
Reporters obtained the following quote from the background information supplied by the inventors: “In current systems, the time between an insurance event and the response to the event, such as the dispatch of an adjustor to handle the event, or the initiation a claim, can be lengthy. In some cases, the user or owner of a property may be dealing with an emergency and may not have time to lookup contact information for an insurance provider in order to make contact with the insurance provider. In some cases, a user may be away from a property and not find out about an event until returning.
“Therefore, improved systems and methods to address these and other shortcomings in the art are desired.”
In addition to obtaining background information on this patent, NewsRx editors also obtained the inventors’ summary information for this patent: “In light of the foregoing background, the following presents a simplified summary of the present disclosure in order to provide a basic understanding of some aspects of the invention. This summary is not an extensive overview of the invention. It is not intended to identify key or critical elements of the invention or to delineate the scope of the invention. The following summary merely presents some concepts of the invention in a simplified form as a prelude to the more detailed description provided below.
“Aspects of the disclosure relate to apparatuses, computer implemented methods and computer readable media for determining a nature of an event in a geographical location, for example, at a user’s home, based on receiving a signal from a device located in the geographical location and comparing a property of the signal with information from an insurance database about previous events associated with the geographical location;
“In accordance with aspects of the disclosure, one or more of several actions may be initiated, based on the nature of the event, for example, various personnel may be dispatched to the location, devices at the location may be controlled and/or an insurance claim may be initiated.
“Of course, the methods and systems of the above-referenced embodiments may also include other additional elements, steps, computer-executable instructions, or computer-readable data structures. In this regard, other embodiments are disclosed and claimed herein as well. The details of these and other embodiments of the present invention are set forth in the accompanying drawings and the description below. Other features and advantages of the invention will be apparent from the description, drawings, and claims.”
The claims supplied by the inventors are:
“The invention claimed is:
“1. A method of improving detection of an abnormal operation condition, comprising: receiving a first signal indicative of an insurance event from a first device located in a first building at a first geographical location, the first signal indicative of an insurance event comprising an abnormal operation condition of the first building; querying a database for information regarding one or more previous insurance events associated with reception of a second signal indicative of a second insurance event from a second device located at a second building at a second geographical location that is different from the first geographical location; filtering and identifying, by a computer processor, that at least one of the one or more previous insurance events has an attribute in common with the first signal indicative of the insurance event comprising the abnormal operation condition of the first building; determining a nature of the insurance event, based at least in part on the identifying that at least one of the one or more previous insurance events has an attribute in common with the first signal indicative of the insurance event comprising the abnormal operation condition of the first building; and configuring, by the computer processor based on the determined nature of the insurance event, a controller in the first geographical location to control at least one of a mechanical function and electrical function of the first building, wherein the at least one of the mechanical function and electrical function comprises at least one of: locking a door of the first building, unlocking a door of the first building, shutting off water to the first building, initiating an audio alarm device in the first building, turning on a light in the first building, and turning off a light in the first building.
“2. The method of claim 1, wherein the information of the one or more previous insurance events comprises at least one insurance claim for the second building.
“3. The method of claim 1 wherein the attribute comprises a time of day of an occurrence of one of the one or more previous insurance events.
“4. The method of claim 1, further comprising: automatically initiating an insurance claim comprising information of the insurance event.
“5. The method of claim 1, wherein the attribute comprises a time of day of the reception of the second signal from the second device.
“6. The method of claim 1, wherein the first device is associated with a first user and the second device is associated with a second user.
“7. The method of claim 1, further comprising: notifying personnel of the insurance event, wherein the personnel comprises at least one of: a repair person, an insurance adjustor, an emergency responder, safety personnel, a home owner, and neighbor.
“8. The method of claim 1, wherein the first geographical location comprises an address, GPS coordinates, a zip code, a neighborhood or a street.
“9. The method of claim 1, wherein the abnormal operation condition comprises at least one of: a faulty water heater, roof damage, a false alarm, and a break-in.
“10. The method of claim 1, further comprising: communicating with a data collection device in the first geographical location; and collecting information for use in determining the insurance event.
“11. The method of claim 1, wherein the first device is one of: a smoke detector, a moisture detector, a microphone, a roof monitor, and home security system.
“12. The method of claim 11, wherein the first device is a smoke detector, and wherein the second device is a smoke detector, and the abnormal operation condition of the first building is a fire.
“13. A device, comprising: a processor; and a memory storing computer-executable instructions, which when executed by the processor, cause the device to: receive a first signal from a first device located in a first building at a first geographical location, the first signal indicative of an insurance event comprising an abnormal operation condition of the first building; query a database for information regarding one or more previous insurance events associated with a geographical area comprising the first geographical location, wherein at least one of the one or more previous insurance events comprises reception of a second signal from a second device located at a second building in the geographical area, wherein the second building is at a different geographical location than the first building; filter and identify that at least one of the one or more previous insurance events has an attribute in common with the first signal indicative of the insurance event comprising the abnormal operation condition of the first building; determine, based at least in part on the filtering and an analysis of accumulated sensor data corresponding to the first signal and the second signal, a nature of the insurance event; and configure, based on the determined nature of the insurance event, a controller in the first geographical location to control at least one of a mechanical function and electrical function of the first building, wherein the at least one of the mechanical function and electrical function comprises an audio alarm device of the first building and turning on a light of the first building.
“14. The device of claim 13, further comprising instructions that, when executed, cause the device to collect information from a data collection device in the geographical location, wherein the data collection device is at least one of: a smoke detector, a moisture detector, a camera, a microphone, a roof monitor, and home security system.
“15. The device of claim 13, further comprising instructions that, when executed, cause the device to determine the abnormal operation condition of the building.
“16. The device of claim 15, further comprising instructions that, when executed, cause the device to automatically initiate an insurance claim based on the abnormal operation condition of the building.
“17. The device of claim 15, further comprising instructions that, when executed, cause the device to notify a home owner or safety personal of the abnormal operation condition of the first building.
“18. A system, comprising: one or more non-volatile hardware memory units, the memory units storing thereon previous insurance claims; and one or more computer processors, the computer processors configured to perform determinations relating to an insurance event, wherein the system is configured to access and employ the memory units and computer processors to: receive a first signal from a first device located in a first building at a geographical location, the first signal indicative of the insurance event comprising an abnormal operation condition of the first building; query a database for information regarding one or more previous insurance events associated with a geographical area comprising the first geographical location, wherein at least one of the one or more previous insurance events comprises reception of a second signal from a second device located at a second building in the geographical area, wherein the neighboring building is at a different geographical location than the first building; filter and identify that at least one of the one or more previous insurance events having an attribute in common with the first signal indicative of the insurance event comprising the abnormal operation condition of the first building; determine, based at least in part on the filtering, a nature of the insurance event; and configure, based on the determined nature of the insurance event, a controller in the first geographical location to control at least one of a mechanical function and electrical function of the first building, wherein the at least one of the mechanical function and electrical function comprises at least one of: locking a door of the first building, turning on an audio device of the first building, and turning on a light of the first building.
“19. The system of claim 18, wherein the system is further configured to automatically initiate an insurance claim comprising information of the insurance event.
“20. The system of claim 18, wherein the first device is one of: a smoke detector, a moisture detector, and a roof monitor.”
For more information, see this patent: Ismaili, Alinawaz; DeWall, Joel T.; Kwan,
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