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. 18, 2017
Filed:
Apr. 11, 2014
United Services Automobile Association, San Antonio, TX (US);
Ramsey Devereaux, San Antonio, TX (US);
David S. Franck, San Antonio, TX (US);
Michael J. Allen, San Antonio, TX (US);
Daniela Wheeler, Boerne, TX (US);
Spencer Read, Helotes, TX (US);
Traci K. Uribe, San Antonio, TX (US);
Ina L. Jackson, Schertz, TX (US);
Kathleen L. Swain, Peoria, AZ (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
A computer device and method for processing risk related data to affect changes to an insurance policy whereby one or more terms of an insurance policy associated with an insured and informatic data from a plurality of sensor devices are received by a computer processor. Analysis is performed on the received informatic data to determine a risk assessment value regarding the insured and/or other risks relevant to the insurance policy, such as a dwelling. Predefined business rules are then applied using at least the determined risk assessment value to determine if conditions have been met to allow or require modification of the insurance policy whereafter modification of one or more terms of the insurance policy is performed if the insurance policy associated with the insured permits modification.