Hartford Fire Insurance Compnay

David F Peak

Andrew J Amigo

Eugene J Walters

Richard M Borden

Keven J Busque

Gregory H Berg

Anil Vasagiri

Rohini Pandhi

Christopher Graham

Douglas D Schumann, Jr

Mark S Coleman

Alex M Carges

Ben J Lim

Roza E Kogan

Kevin J Busque

Anthony J Grosso

Jacqueline LeSage Krause

Bryan Matthew Johnson

Benjamin O Buswell

Systems, methods and apparatus for creating, analyzing and updating a property inventory are disclosed which include receiving, from a user operating a mobile device, a request to add a new item of property to an insurance inventory associated with an insurance policy, the request including information identifying the new item, at least a first image of the new item, and information identifying a location of the new item. An insurance inventory system is operated to add the new item to an insurance inventory associated with the insurance policy, the updating including computing a total current value of the insurance inventory including the new item. A coverage engine is operated to compare coverage limits associated with the insurance policy to the total current value of the insurance inventory to determine if the total current value is within a coverage limit of the insurance policy. A response is transmitted to the user based on the determination.

Remote mobile device interacting with multiple remote systems

A vehicle router includes a data storage device storing data indicative of a vehicle loss risk score for geographical locations, one or more application programming interfaces configured to expose some or all of the vehicle loss risk score data to an external mapping service to facilitate route selection based on mapping data from the external mapping service, and a processor configured to receive, via a communication device, trip route data indicative of a set of geographical locations, access the data storage device and output vehicle loss risk score data corresponding to the received set of geographical location; and transmit routing options, determined based on the vehicle loss risk score data, to a display device for display and selection.

Vehicle router

Remote mobile device interactions with multiple remote servers

According to some embodiments, historic transaction data and loss data may be received from a data storage device. Geographic data and dynamically updated social network data corresponding to the entity may also be received and automatically analyzed by an estimator device to determine an estimated number of employees employed by the entity and similar entities having at least one common characteristic with the entity. A data weighting device generates weighted data by applying weighting factors to the received data including a weighting factor based on a location of users providing social networking posts and a weighting factor based on whether the social network data includes image, video, or audio data. At least one risk-related parameter corresponding to the entity is determined by a comparison engine that applies predictive models to (i) the weighted data, (ii) the estimated number of employees, and (iii) the similar entities to the entity.

Location and social network data predictive analysis system

Pursuant to some embodiments, systems, methods and devices are provided for processing including a mobile device coupled to a biometric sensor, the one mobile device including a medical monitoring application for collection of medical data for an individual from the biometric sensor. A risk assessment computer is configured to receive, from the mobile device, medical data for the individual; collect, from a data storage device storing static data corresponding to the plurality of individuals, static data corresponding to the individual; and update a medical profile corresponding to the individual based on an analysis of the medical data for the individual and the static data corresponding to the individual. The risk assessment computer periodically determines, based on the updated medical profile, a term of a policy corresponding to the individual.

System for mobile device enabled biometric monitoring

A computer system receives electric vehicle information, including electric vehicle charging information, over a communications network. The electric vehicle charging information may be automatically associated with automobile-related payment information. An integrated presentation of the electric vehicle charging information and the payment may be transmitted, over the communications network, for presentation to an owner of the electric vehicle. An automobile-related payment may be initiated via an interaction between a mobile payment device and an electric vehicle charging station.

System and method for electric vehicle mobile payment

A data processing system includes a processor for determining a percentage share to assign a share of relative risk in an insurance pool between an insurer, a first safety vendor and at least one other safety vendor. The processor is further configured to allocate portions of the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors, to aggregate by the insurer loss information related to the insurance pool, and transmit the loss information to the safety vendors. Also, the processor may allocate portions of a claim liability or a received premium associated with the insurance pool among the insurer and the safety vendors according to the determined shares assigned to the insurer and the safety vendors.

System and method for telematics data capture and processing

Pursuant to some embodiments, insurance systems, methods and devices are provided in which electric vehicle information, including electric vehicle charging information, may be received over a communications network. The electric vehicle charging information may be automatically associated with automobile insurance premium information. An integrated presentation of the electric vehicle charging information and the automobile insurance premium information may then be transmitted, over the communications network, for presentation to an owner of the electric vehicle.

System and method for processing electric vehicle and insurance data

Pursuant to some embodiments, computer systems for generating safety scores relating to vehicle travel routes are provided which include a data storage device for storing, updating and providing access to loss risk score data. In some embodiments, a request for information associated with a user's location identified by user location data may be received over a communications network. A computer processing system may then be operated to generate a safety score associated with said use location data, the safety score being based on a plurality of loss risk factors associated with the user location data. A response, including the safety score, may then be transmitted to the user over the communications network.

Computer system for determining geographic-location associated conditions

Location and social network data entity identification system

Insurance processing system and method using mobile devices for proof of ownership

According to some embodiments, a system may detect an occurrence of a trigger event in connection with a first insurance agent of a plurality of insurance agents. For example, the system might detect that a person has added a friend on Facebook, changed his or her status, or that he or she is currently visiting a local coffee shop. Responsive to said detection, some embodiments may automatically post information to at least one social network server in connection with the first insurance agent. For example, an offer to meet at a particular location and/or a discount or other benefit associated with an insurance product might be posted or otherwise provided via one or more social networks.

System and method for distributing insurance social media related information

Pursuant to some embodiments, insurance systems, methods and devices are provided which include a data storage device for storing, updating and providing access to loss risk score data, a computer processor for executing program instructions and for retrieving the loss risk score data from the data storage device, a memory, coupled to the computer processor, for storing program instructions for execution by the computer processor, a geocoding engine comprising program instructions stored in the memory for geocoding historical loss data and a plurality of loss risk factors, a scoring engine comprising program instructions stored in the memory for calculating a loss risk score for each of a plurality of geographical locations based on said historical loss data and said plurality of loss risk factors, and a communication device, coupled to the computer processor, to output loss risk score data based on geographical location.

System and method for geocoded insurance processing using mobile devices

Systems, methods, apparatus, means and computer program code for operating a mobile device and an insurance processing system are provide which include receiving, from a mobile device, sensor data collected from at least a first sensor of the mobile device, determining, based at least in part on the sensor data, that an activity associated with an insured is not covered by a plurality of insurance coverage rules, and transmitting, to the mobile device, information indicating that an activity is not covered by a plurality of insurance coverage rules.

Insurance processing systems and methods using mobile devices for proof of insurance

According to some embodiments, historic transaction data and loss data may be received from a data storage device. Information about a potential business insurance customer may also be received and automatically analyzed to identify a set of related businesses. A coverage comparison engine may then determine insurance information for the potential business insurance customer based at least in part on historic transaction data and loss data associated with the set of related businesses.

Growing community of inventors

Avon, CT, United States of America

David F Peak