Metropolitan Life Insurance Company

Metropolitan Life Isurance Co.

Terrance Luciani

John Bungert

Andrew O'Mara

Jordan Ashleigh McAlister

Shaun Michael Walter

Thomas L Bozzo

Barbara A Distasio

Matt Sumner

A trust platform receives transaction review values from a plurality of marketplace providers, each transaction review value associated with a person-to-person transaction. The platform weighs each transaction review value to generate a weighted transaction review value based on a characteristic of the transaction. A baseline individual trust score is generated based on an aggregation of the weighted transaction review values which reflects a 'trust' attributable to a user. The trust platform is also configured to adjust new transaction review values based on the baseline individual trust score to render such review more accurate.

Trust platform

In one embodiment, a smart home modeling system receives objective data from a public data source. The system modifies baseline age information from the objective data based on indications from service and upgrade records, as well as smart home sensor measurements, to generate a corrected age model for the home. The system determines the effective ages of systems in the home in the corrected age model, and then uses the corrected age model to generate a risk model for the home. Based on the generated risk model, maintenance needs and statuses are re-evaluated. The system provides a virtual dashboard to view results from the smart home model. The dashboard displays alerts about particular systems of the home with elevated risk levels. Additionally, the dashboard generates price information based on the corrected age model and the risk model. The dashboard also notifies a user about service interventions for home systems.

Systems and methods for modeling buildings and risk assessment

A safe transit route generation system determines a travel route for a user traveling from an origin location to a destination location and generates a route safety value for the travel route based on one or more safety conditions associated with at least one geographic location of the travel route. The system also determines a risk aversion value for the user based on a plurality of safety preferences associated with a user risk profile and that the risk aversion value for the user exceeds the route safety value for the travel route. The system further modifies one or more portions of the travel route to increase the route safety value above the risk aversion value.

Systems, methods, and devices for generating a transit route based on a safety preference

In one embodiment, a predictive contextual transaction scoring system receives transaction review data associated with person-to-person transactions from a marketplace, the transaction review data including feedback information relating to the person-to-person transaction. The system identifies contextual characteristics of the person-to-person transactions by analyzing the feedback information related to the person-to-person transactions. The system pairs a first party requesting a service to a second party providing the requested service by matching a contextual characteristic of the first party to a contextual characteristic of the second party. The system also predicts a transaction score for a new person-to-person transaction involving the first party and the second party, and provides the predicted transaction score to the marketplace to facilitate pairing of the first party requesting the service.

Predictive contextual transaction scoring

A network of sensors is utilized to capture and relay data that is relevant to specific types of insurance coverage. Sensors included in the network can be deployed as specialized devices, or can be found in existing consumer products. Behavioral and environmental data collected from the sensor network is used to establish a feedback relationship between an insurance policy holder's behavior and insurance policy pricing. Various types of insurance products can benefit from behavioral and environmental data, including health insurance, dental insurance, disability insurance and automobile insurance. Collected data can be used for other purposes, such as initial risk assessment, risk monitoring, and prevention services.

System and method for sensor-enhanced insurance coverage and monitoring service

An unmanned insurance drone can include a drone body and a sensor unit disposed on the drone body to collect sensor data. An on-board data processor converts the sensor data into insurance related information, and a wireless communication unit in communication with the data processor to transmit the insurance related information. In another example, the data processor may not be on the drone but remotely located. The location can be with the pilot or a control collection location. If the insurance related information is separate from the drone, than the wireless communication unit can transmit the raw sensor data to the processor.

Growing community of inventors

Monroe Township, NJ, United States of America

Terrance Luciani