Patent Issued for Systems and methods for recommending action after assessing risk of property damage (USPTO 11893643): United Services Automobile Association

2024 FEB 22 (NewsRx) -- By a News Reporter-Staff News Editor at Insurance Daily News -- United Services Automobile Association (San Antonio, Texas, United States) has been issued patent number 11893643, according to news reporting originating out of Alexandria, Virginia, by NewsRx editors.

The patent’s inventors are Bishop, Anthony (Fair Oaks Ranch, TX, US), Dunham, Susan (San Antonio, TX, US), McAlister, Richard (San Antonio, TX, US), Yarbrough, Randall (San Antonio, TX, US).

This patent was filed on April 26, 2021 and was published online on February 6, 2024.

From the background information supplied by the inventors, news correspondents obtained the following quote: “The present disclosure relates generally to monitoring various risk factors regarding property. More specifically, the present disclosure relates to assessing a risk of damage regarding property and recommending an action to mitigate the risk.”

Supplementing the background information on this patent, NewsRx reporters also obtained the inventors’ summary information for this patent: “A summary of certain embodiments disclosed herein is set forth below. It should be understood that these aspects are presented merely to provide the reader with a brief summary of these certain embodiments and that these aspects are not intended to limit the scope of this disclosure. Indeed, this disclosure may encompass a variety of aspects that may not be set forth below.

“In one embodiment, a system may include one or more sensors that acquire location information associated with the one or more sensors. The system may also include a processor that receives a first set of data comprising environmental information associated with a location, receive the location information from the one or more sensors. The processor may then determine whether a risk of damage to property associated with at least one of the one or more sensors is greater than a threshold based on the location information and the environmental information. When the risk is greater than the threshold, the processor may send a notification including the risk of damage to the property to a computing device.

“Various refinements of the features noted above may exist in relation to various aspects of the present disclosure. Further features may also be incorporated in these various aspects as well. These refinements and additional features may exist individually or in any combination. For instance, various features discussed below in relation to one or more of the illustrated embodiments may be incorporated into any of the above-described aspects of the present disclosure alone or in any combination. The brief summary presented above is intended only to familiarize the reader with certain aspects and contexts of embodiments of the present disclosure without limitation to the claimed subject matter.”

The claims supplied by the inventors are:

“1. A method, comprising: determining, via a processor, an expected location of a mobile object by identifying an additional expected location of an individual associated with the mobile object from information pertaining to the individual, wherein the information comprises a travel itinerary, an electronic news source, social media data, or any combination thereof, and wherein the electronic news source provides data regarding one or more weather alerts, one or more natural disaster alerts, one or more non-natural disaster alerts, or any combination thereof; estimating, via the processor, a risk of damage to the mobile object or the individual based on the expected location and one or more trends indicated in the social media data provided by one or more social media sites; determining, via the processor, whether the risk of damage is greater than a threshold; sending, via the processor, a notification comprising the risk of damage to a computing device associated with the individual in response to the risk of damage being greater than the threshold, wherein the notification comprises one or more recommended actions to move the mobile object for mitigating the risk of damage; verifying, via the processor, that the mobile object has moved from the expected location, by: acquiring, via a first temperature sensor, a first temperature at the expected location; acquiring, via a second temperature sensor, a second temperature associated with the mobile object; acquiring, via a first light sensor, a first light measurement at the expected location; acquiring, via a second light sensor, a second light measurement associated with the mobile object; determining, via the processor, whether the first temperature and the second temperature are within a threshold temperature differential; determining, via the processor, whether the first light measurement and the second light measurement are within a threshold light differential; determining, via the processor, the mobile object is not at the expected location in response to the first temperature and the second temperature being outside the threshold temperature differential and the first light measurement and the second light measurement being outside the threshold light differential; and providing, via the processor, an indication of results of the verifying to an electronic device.

“2. The method of claim 1, wherein the information comprises a residential address, a business address, or both.

“3. The method of claim 1, wherein the information comprises a particular location on a particular day of a week.

“4. The method of claim 1, wherein the information comprises the travel itinerary, the electronic news source, and the social media data.

“5. The method of claim 4, comprising: determining, via the processor, the travel itinerary based at least in part on an email, a text message, map software, or any combination thereof.

“6. The method of claim 4, wherein the electronic news source is updated in real time.

“7. The method of claim 4, wherein the electronic news source provides data regarding the one or more weather alerts, the one or more natural disaster alerts, and the one or more non-natural disaster alerts.

“8. The method of claim 4, wherein the social media data is indicative of one or more trends on one or more social media sites that are not directly associated with the individual.

“9. The method of claim 1, wherein the first temperature sensor is disposed within a structure.

“10. The method of claim 1, wherein the second temperature sensor is disposed on the mobile object.

“11. The method of claim 10, wherein the mobile object comprises a mobile phone, a wearable electronic, or both.

“12. The method of claim 1, comprising maintaining, via the processor, a rating associated with the individual based on the indication of the results.

“13. The method of claim 1, comprising storing, via the processor, the indication of the results in a database.

“14. A system, comprising: a first temperature sensor configured to detect a first temperature at a first location; a second temperature sensor configured to detect a second temperature associated with a mobile object; and a first light sensor configured to detect a first light measurement at the first location; a second light sensor configured to detect a second light measurement associated with the mobile object; and a processor configured to: determine an expected location of the mobile object by identifying an additional expected location of an individual associated with the mobile object from information pertaining to the individual, wherein the information comprises a travel itinerary, an electronic news source, social media data, or any combination thereof, and wherein the social media data is indicative of one or more trends on one or more social media sites that are not directly associated with the individual; estimate a risk of damage to the mobile object or the individual based on the expected location and one or more trends indicated in the social media data provided by one or more social media sides; determine whether the risk of damage is greater than a threshold; send a notification comprising the risk of damage to a computing device associated with the individual in response to the risk of damage being greater than the threshold, wherein the notification comprises one or more recommended actions to move the mobile object for mitigating the risk of damage; verify that the mobile object has moved from the first location, by: acquiring, via the first temperature sensor, the first temperature at the first location; acquiring, via the second temperature sensor, the second temperature; acquiring, via the first light sensor, the first light measurement at the first location; acquiring, via the second light sensor, the second light measurement; determining whether the first temperature and the second temperature are within a threshold temperature differential; determining whether the first light measurement and the second light measurement are within a threshold light differential; determining that the mobile object is not at the first location in response to the first temperature and the second temperature being outside the threshold temperature differential and the first light measurement and the second light measurement being outside the threshold light differential; and provide an indication of results of the verifying to an electronic device.

“15. The system of claim 14, wherein the processor is configured to: determine the expected location, by: identifying from the information pertaining to the individual associated with the mobile object, the additional expected location of the individual; and identifying the first location as the expected location in response to the first temperature and the second temperature being within the threshold temperature differential.

“16. The system of claim 15, wherein the information comprises data from one or more emails, one or more text messages, one or more travel service organizations, or any combination thereof.

“17. The system of claim 14, wherein the processor is configured to: verify that the mobile object is in the first location, by: acquiring, via a first humidity sensor, a first humidity measurement at the first location; acquiring, via a second humidity sensor, a second humidity measurement associated with the mobile object; determining whether the first humidity measurement and the second humidity measurement are within a threshold humidity differential; and determining that the mobile object is not in the first location in response to the first humidity and the second humidity being outside the threshold humidity differential.”

There are additional claims. Please visit full patent to read further.

For the URL and additional information on this patent, see: Bishop, Anthony. Systems and methods for recommending action after assessing risk of property damage. U.S. Patent Number 11893643, filed April 26, 2021, and published online on February 6, 2024. Patent URL (for desktop use only): https://ppubs.uspto.gov/pubwebapp/external.html?q=(11893643)&db=USPAT&type=ids

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