United Services Automobile Association (Usaa)

Hs Labs, Inc.

Ramsey Devereaux

Spencer Read

Michael J Allen

Kathleen L Swain

Daniela M Wheeler

David S Franck

William Chandler

Cleburne Robinson Burgess

Elizabeth J Rubin

Michael Kyne

Justin Dax Haslam

Shanna Ruth Limas

Teddy J Voutour

Michael Patrick Burns

Amber K Buehrle

Bharat Prasad

Jodi Jean Healy

Cristin Gray

Traci K Uribe

Ina L Jackson

Shane Tracey

Courtney St Martin

Brian Tougas

Karen Marie Moritz

Galo M Alava

Mark Davis

Christopher Maurice Norman

Eric Vaith

Erin E McCaw

Amanda Michelle Boyd

Gregory Mark Lamontagne

Ann C Tarrillion

Christina N Nickel

Theresa Marie Matowitz

Michael L Hertz

David C Ault

Steven Robert Seigler

Thuy Hugos

Cory A Matheson

Timothy Blair Chalmers

Christine Marie Brown

James Philip Hillman

Dwayne Phillip Wilson

Robert Kenneth Dohner

Angelica Nichole White

Kristina Tomasetti

Elliott Kehoe

Mark A Zuwala

Tearanie Kennedy

Manfred Amann

Eric David Schroeder

Emily Margaret Gray

Jess Witman Gingrich

Sharon Kay Haverlah

Donna Moncrief Brown

Juspreet Kaur

Michelle MacDonald

Monica Rankin

Jon C Snyder

Amber K Buehrie

An embedded data transmission system includes a biometric sensor and a controller comprising a processor and memory configured to receive biometric data input via the biometric sensor. The controller is also configured to identify personal audio data corresponding to the biometric data input based on a database including one or more associations of biometric data and audio data, and, in response to identifying the personal audio corresponding to the biometric data input, submit the personal audio data.

Biometric-based transmission of embedded data

An audio modification system includes one or more processors configured to receive audio data indicative of communication of a user while the user is positioned in a first portion of a control area, determine that the communication of the user is confidential based on the audio data, determine generated audio data configured to render the communication of the user at least partially inaudible in a second portion of the control area, and output a control signal indicative of instructions to provide the generated audio data.

Confidential audio protection system

Systems and methods of the present disclosure include a system that includes a maneuverable building detection device configured to engage and maneuver along a wall of a building comprised of a plurality of building components. The maneuverable building detection device includes at least one building component detection sensor device. Each building component detection sensor device is configured to detect data relating to at least one building component of the plurality of building components. In certain embodiments, the system also includes a building component property determination system configured to automatically determine one or more properties of the at least one building component based at least in part on the data detected by the at least one building component detection sensor device. In addition, in certain embodiments, the system further includes a building insurance determination system configured to automatically determine insurance rates and/or insurance coverage for the building based at least in part on the one or more properties of the at least one building component determined by the building component property determination system.

Building inspection systems and methods utilizing maneuverable building detection devices

A method may include retrieving, via a processor of a computing system, insurance information associated with a user and receiving one or more alerts regarding an event that will occur within a determined radius of one or more properties within a period of time. The computing system may then determine a list of actions for the user to perform on the property based on the event and send the list of actions to a computing device associated with the user. Based on whether the user completes the list of actions, a premium rate of the user may be adjusted.

Systems and methods for using home telematics for maintenance behavior check

A computer device and method for processing an insurance claim and making decisions regarding an insurance policy utilizing informatic data received from one or more informatic camera sensor devices configured to capture imagery data relating to an insured property. Analysis is performed on the received imagery informatic data to determine an assessment variable regarding the insured property. An insurance policy associated with the insured property is also received by the computer and analyzed to determine insurance coverage terms and conditions for the insured property. Predefined business rules are preferably applied by the computer using at least the determined assessment variable and the determined insurance coverage terms and conditions for the insured property to determine an event relating to the insurance policy associated with the insured property.

Systems and methods for utilizing imaging informatics

A computer-implemented method includes receiving, via processing circuitry and from a customer interface device (CID), a customer communication and first authentication data, searching, via the processing circuitry, a database for a customer account corresponding to the customer communication, receiving, at the processing circuitry and from the database, first registered data corresponding to the customer account, and determining, via the processing circuitry, a first security challenge having a first security level category of a plurality of security level categories. The computer-implemented method also includes determining, via the processing circuitry and based on a first comparison between the first authentication data and the first registered data, a first outcome of the first security challenge, and determining, via the processing circuitry, for a second security challenge, and based on the first outcome of the first security challenge, a second security level category of the plurality of security level categories, the second security level category differing from the first security level category.

System and method for improved phone and digital communication verification and efficiency

Systems and methods of the present disclosure include receiving an aerial image that includes a view of property (e.g., real property, personal property, or other types of property), automatically identifying the property included in the aerial image, automatically determining one or more characteristics of the property based at least in part on the aerial image, and automatically adjusting an insurance policy term for an insurance policy relating to the property based at least in part on the one or more characteristics of the property. Certain embodiments include automatically determining the one or more characteristics of the property also based at least in part on data received from one or more smart home devices associated with the property, one or more public records relating to the property, a supplemental image accessed from a camera located in or around the property, and so forth.

Real property monitoring systems and methods

A system and method to monitor individual appliance performance. A monitor module is provided for aggregating data from a plurality of appliances wherein the module includes. Included in the monitor device is a gateway device configured to capture operational data relating to each of the plurality of appliances and an analyzing device configured to determine individual operational characteristics for each of the appliances from analysis of the captured operational data. A notification device is further provided which is configured to provide information to a user regarding the determined operational characteristics for each of the appliances.

Computer monitoring system, apparatus and method for monitoring appliance operation

Systems and techniques are provided for providing notification indicative of a breach of a dynamic operational parameter threshold. The dynamic operational parameter threshold is set based upon habits of inhabitants of an environment, which are observed via controlled sensors of the environment.

Electronic sensor management

A roof monitoring system includes sensors configured to be distributed across a roof a building. The monitoring system also includes a controller configured to receive sensor feedback from the sensors, where the sensor feedback is indicative of a roof temperature, a first characteristic of light reflected off the roof, a second characteristic of light passing through the roof, a third characteristic of sound associated with the roof, and/or a moisture content on the roof. The controller is also configured to compare the sensor feedback with an expected feedback. The controller is also configured to detect, in response to determining that the sensor feedback deviates from the expected feedback, a roof defect. The controller is also configured to diagnose a cause of the roof defect.

System and method for roof leak detection and diagnosis

The present disclosure relates to analyzing data related to smart home activity that is useful to risk analysis, service cost determination/adjustment, and behavioral incentivization. A monitoring system may acquire maintenance information, contextual information, and/or financial information with minimal user input to assess risk associated with user behavior and home activity associated with a smart home. Based on generating a risk factor associated with the smart home, the monitoring system may provide a user with an accurate service cost (e.g., home insurance quote) related to the smart home activity.

Low friction data analysis system

A system includes a computing device comprising a memory storing instructions configured to cause a processor to receive: purchase data associated with products purchased by a user, online activity data performed by the user and other users and associated with information pertaining to the products, and vendor information comprising retail sales data, after-market sales data, and product availability associated with the products. The processor determines one or more values of the products based on the purchase data, the online activity data, and the vendor information and whether the purchased products correspond to specialty products based on the purchase data, the online activity data, and the values of the products. The processor may then send a notification to the user comprising an offer for insurance for the products in response to determining the products correspond to specialty products.

System and methods for detecting and insuring specialty products

A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.

Determining appliance insurance coverage/products using informatic sensor data

A system may include a plurality of camera devices configured to acquire image data associated with a property. The system may also include a processor that receives the image data from the plurality of camera devices, receives insurance policy data associated with the property from a database, and adjusts one or more terms of the insurance policy data based on the image data.

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San Antonio, TX, United States of America

Ramsey Devereaux