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:
Dec. 20, 2022
Filed:
Jun. 22, 2020
United Services Automobile Association (Usaa), San Antonio, TX (US);
Ramsey Devereaux, San Antonio, TX (US);
David S. Franck, San Antonio, TX (US);
Karen Moritz, Fair Oaks Ranch, TX (US);
Spencer Read, Helotes, TX (US);
Daniela Wheeler, Boerne, TX (US);
Eric Vaith, San Antonio, TX (US);
Erin McCaw, San Antonio, TX (US);
Christopher Norman, San Antonio, TX (US);
Jodi J. Healy, Johns Creek, GA (US);
Bharat Prasad, San Antonio, TX (US);
Kathleen L. Swain, Peoria, AZ (US);
Michael J. Allen, San Antonio, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
Systems and methods include one or more dwelling sensors configured to generate sensor data representative of characteristics of a dwelling; a telematics device configured to generate telematics data representative of operational characteristics of a vehicle; and an analysis server. The analysis server receives the sensor data; receives the telematics data; receives credit information regarding an insured; and determines one or more insurance policy decisions based upon the sensor data, the telematics data, and the credit information the one or more insurance policy decisions comprising: a premium amount, a deductible amount, a coverage amount, a coverage term, or any combination there of for the insured.