The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jul. 14, 2020
Filed:
Nov. 30, 2016
United Services Automobile Association (Usaa), San Antonio, TX (US);
Michael J. Allen, San Antonio, TX (US);
Ramsey Devereaux, San Antonio, TX (US);
Spencer Read, Helotes, TX (US);
David S. Franck, San Antonio, TX (US);
Shanna Limas, San Antonio, TX (US);
William Chandler, San Antonio, TX (US);
Daniela Wheeler, Boerne, TX (US);
Kathleen L. Swain, Peoria, AZ (US);
Cleburne R. Burgess, Fair Oaks Ranch, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
A system may include sensors associated with structures, such that the sensors acquire data sets associated with the structures. The processor receives the data sets from the sensors, determines environmental conditions associated with the structures over a period of time, and determines a structural condition associated with one of the structures based on the data sets. The processor also determines a maintenance condition associated with the one of the structures based on one of the data sets, determines operating parameters associated with appliances within the structure based on the one of the data sets, and determines habits of occupants associated with the one of the structures based on the one of the data sets. The processor then adjusts properties of an insurance policy associated with the one of the structures based on the environmental conditions, the structural condition, the maintenance condition, the operating parameters, the habits, or any combination thereof.