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1. 发明申请

US20220253845A1 SYSTEM AND METHODS FOR REMOTELY GENERATING, AUTHENTICATING, AND VALIDATING DUAL VALIDATION DATA OBJECTS 有权
公开(公告)号：US20220253845A1
公开(公告)日：2022-08-11
申请号：US17172784
申请日：2021-02-10
申请人： Assurant, Inc.
发明人： Nathan Werner , Michael Garza
IPC分类号： G06Q20/40 , H04L9/32
摘要： Various embodiments of the present disclosure are directed to a dual validation authentication system that is configured to more efficiently manage the processing of dual validation data objects. In particular, in some embodiments, the dual validation authentication system is configured to authorize loss authentication data objects received from client devices. In other embodiments, the dual validation authentication system is configured to provide secondary validation of dual validation data objects and generate dual validation work objects to initiate an electronic fund disbursement.

2. 发明授权

US11308195B2 Apparatus, method, and computer program product for claim management device lockout 有权
公开(公告)号：US11308195B2
公开(公告)日：2022-04-19
申请号：US16745138
申请日：2020-01-16
申请人： Assurant, Inc.
发明人： Maria Manduley , Charles Daniel Cartwright , Gilberto Jose Almonte, Jr.
IPC分类号： G06F21/44 , G06F21/33 , G06F21/88 , G06F21/57
摘要： Embodiments of the present disclosure relate to electronic lockout of a client device, specifically to managing electronic lockout of a client device associated with a claim process via a device protection program management system and third-party provider. In this regard, embodiments herein may process various data associated with determining whether to authorize a claim under a device protection program, and cause initiation of and/or termination of an electronic lockout of a client device depending on received data and/or lack of received data. In this regard, example embodiments include receiving a device claim request indication associated with a client device, where the client device is associated with a functionality lockout state; initiating a claim associated with the client device; causing initiation of an electronic lockout of the client device; processing the claim to determine whether to authorize the claim; and causing updating of the electronic lockout based on the determination.

3. 发明申请

US20210365974A1 BOT RESISTANT NETWORK SERVICE COMMUNICATIONS TO SOCIAL NETWORK SITES 有权
公开(公告)号：US20210365974A1
公开(公告)日：2021-11-25
申请号：US17392746
申请日：2021-08-03
申请人： Assurant, Inc.
发明人： Keith Meier
IPC分类号： G06Q30/02 , G06Q50/00
摘要： Systems and methods for subscription-based product referrals are provided. In example embodiments, a user request to refer a subscription is received. A user selection of a social network connection having a social network relationship with the user on a social network service is received. A referral request is transmitted to a device of the social network connection. Acceptance of the referral request is determined. Based on determining acceptance of the referral request, a credit is provided to the user.

4. 发明申请

US20200250606A1 APPARATUS AND METHOD FOR RESOURCE ALLOCATION PREDICTION AND MODELING, AND RESOURCE ACQUISITION OFFER GENERATION, ADJUSTMENT AND APPROVAL 审中-公开
公开(公告)号：US20200250606A1
公开(公告)日：2020-08-06
申请号：US16790292
申请日：2020-02-13
申请人： Assurant, Inc.
发明人： Satish MOORTHY , Jay STAUFFER, JR. , Brett CALTABIANO , Ronnie JEFFRIES, III , Vivek Kumar JHA , Deepak Kumar DHIRASARIA
IPC分类号： G06Q10/06 , G06Q30/02 , G06N7/00 , G06N20/00
摘要： An apparatus, method, and computer program product are provided for the improved and automatic prediction and modeling of one or more channels and relevant conditions through which resources may be directed to users in an environment where resource demand, utility, and perceived value vary over time. Some example implementations employ predictive, machine-learning modeling to facilitate the use of multiple disparate and unrelated data sets to extrapolate and otherwise predict the future needs for certain resources and identify the channels and conditions that may be employed to meet such future needs. An apparatus, method, system, and computer program product are provided for improved generating, adjusting, and/or facilitating approval of a resource offer set. Some example implementations employ one or more predictive models.

5. 发明申请

US20200250605A1 APPARATUS AND METHOD FOR RESOURCE ALLOCATION PREDICTION AND MODELING, AND RESOURCE ACQUISITION OFFER GENERATION, ADJUSTMENT AND APPROVAL 审中-公开
公开(公告)号：US20200250605A1
公开(公告)日：2020-08-06
申请号：US16790235
申请日：2020-02-13
申请人： Assurant, Inc.
发明人： Satish MOORTHY , Jay STAUFFER, JR. , Brett CALTABIANO , Ronnie JEFFRIES, III , Vivek Kumar JHA , Deepak Kumar DHIRASARIA
IPC分类号： G06Q10/06 , G06Q30/02 , G06N7/00 , G06N20/00
摘要： An apparatus, method, and computer program product are provided for the improved and automatic prediction and modeling of one or more channels and relevant conditions through which resources may be directed to users in an environment where resource demand, utility, and perceived value vary over time. Some example implementations employ predictive, machine-learning modeling to facilitate the use of multiple disparate and unrelated data sets to extrapolate and otherwise predict the future needs for certain resources and identify the channels and conditions that may be employed to meet such future needs. An apparatus, method, system, and computer program product are provided for improved generating, adjusting, and/or facilitating approval of a resource offer set. Some example implementations employ one or more predictive models.

6. 发明授权

US10701578B2 Methods, apparatuses, and systems for network analysis 有权
公开(公告)号：US10701578B2
公开(公告)日：2020-06-30
申请号：US16238228
申请日：2019-01-02
申请人： Assurant, Inc.
发明人： Cameron Hurst , Joan Patricia McDonald Meyer , Stuart Saunders
IPC分类号： H04W24/08 , H04L29/08 , H04W12/08 , H04W24/10
摘要： Methods, systems, apparatuses, and computer readable media for providing a network analysis system are disclosed. An example of a system for providing a network analysis system includes at least one satellite device configured to monitor wireless network traffic to determine at least one network communication event, generate an event message based on the at least one network communication event, and transmit the event message. The system also includes a controller device configured to receive the event message, determine an identity of at least one device communicating during the network communication event, determine a network status based at least in part on the identity of the at least one device, and provide the network status via an interface.

7. 发明申请

US20140024348A1 SYSTEM, METHOD, APPARATUS, AND COMPUTER PROGRAM PRODUCT FOR PROVIDING MOBILE DEVICE SUPPORT SERVICES 有权
标题翻译：用于提供移动设备支持服务的系统，方法，设备和计算机程序产品
公开(公告)号：US20140024348A1
公开(公告)日：2014-01-23
申请号：US13835206
申请日：2013-03-15
申请人： Assurant, Inc.
发明人： Cameron E. Hurst , Cassandra G. Conrad
IPC分类号： H04M3/523
CPC分类号： H04W8/24 , G06F11/0742 , G06F11/0748 , G06F11/0793 , G06Q10/20 , G06Q30/016 , G06Q40/08 , H04L41/0253 , H04L41/069 , H04L41/0883 , H04L41/18 , H04L41/22 , H04L41/5064 , H04L41/5074 , H04L67/22 , H04L67/24 , H04M3/5232 , H04M2250/56 , H04W4/60 , H04W24/04
摘要： A method is provided for providing mobile device support services. The method may include monitoring a mobile device status. The method may additionally include performing device diagnostics based at least in part on captured deice status data to identify potential faults that may affect mobile device functionality. A corresponding system, apparatus, and computer program product are also provided.
摘要翻译：提供了一种用于提供移动设备支持服务的方法。该方法可以包括监视移动设备状态。所述方法可以另外包括至少部分地基于所捕获的设备状态数据执行设备诊断，以识别可能影响移动设备功能的潜在故障。还提供了相应的系统，装置和计算机程序产品。

8. 发明申请

US20100100400A1 FINANCIAL SYSTEMS AND METHODS FOR PROVIDING LOANS TO INDIVIDUALS IN RESPONSE TO THE OCCURRENCE OF A QUALIFYING EVENT 有权
标题翻译：财务制度和方法向个人提供贷款，以应对资格事件的发生
公开(公告)号：US20100100400A1
公开(公告)日：2010-04-22
申请号：US12539297
申请日：2009-08-11
申请人： Manuel Becerra
发明人： Manuel Becerra
IPC分类号： G06Q40/00
CPC分类号： G06Q40/02 , G06Q40/00 , G06Q40/08
摘要： Computer systems that, in various embodiments, are configured for: (A) storing policy information within the system's memory, the policy information indicating that a particular individual holds a policy that provides the individual with the option to, upon the occurrence of a qualifying event, receive a loan at a below-market rate (e.g., 0%); (B) receiving data indicating that the qualifying event has occurred; and (C) at least partially in response to receiving the data indicating that the qualifying event has occurred, facilitating the provision of the loan to the particular individual at the below-market rate. The qualifying event may be, for example: (A) the death of a specified individual (e.g., the policy holder); (B) the disability of the specified individual; (C) the involuntary unemployment of the specified individual; (D) the birth of the specified individual's child; or (E) the adoption of a child by the specified individual.
摘要翻译：在各种实施例中，被配置用于：（A）在系统的存储器内存储策略信息的策略信息，指示特定个人在出现合格事件时保持向个人提供选项的策略信息以低于市场率（例如0％）收到贷款; （B）接收表示合格事件发生的数据; 和（C）至少部分地响应于接收到表示合格事件已经发生的数据，便于以低于市场率向特定个人提供贷款。合格事件可能是，例如：（A）特定个人（例如保单持有人）的死亡; （二）指定个人的残疾; （C）指定个人的非自愿失业; （D）指定个人的孩子的出生; 或（E）指定个人领养子女。

9. 发明授权

US11625957B2 Methods, apparatuses, and systems for monitoring and maintaining vehicle condition 有权
公开(公告)号：US11625957B2
公开(公告)日：2023-04-11
申请号：US16750838
申请日：2020-01-23
申请人： Assurant, Inc.
发明人： Dan Gronsbell , Angel Garcia , Ronnie Blake Perkna
IPC分类号： G07C5/00 , G06F16/25 , G06F3/0482 , G07C5/08 , G07C5/12 , G06Q40/08
摘要： Methods, systems, apparatuses, and computer readable media for monitoring and maintaining vehicle condition. An apparatus of an example embodiment includes means for receiving a partial dataset indicator for a certain type of dataset. Said apparatus also includes means for providing at least one complete dataset indicator. The partial dataset indicator and the at least one complete dataset indicators provides an indication of one or more terms in their respective dataset. Said apparatus further includes means for determining at least one of the one or more terms of the partial dataset. Said apparatus still further includes means for causing the transmission of at least one of the one or more determined terms of the partial dataset for use by a mobile application. Corresponding systems, methods, and computer readable media are also provided.

10. 发明申请

US20220353212A1 APPARATUS AND METHOD FOR RELATIVISTIC EVENT PERCEPTION PREDICTION AND CONTENT CREATION 有权
公开(公告)号：US20220353212A1
公开(公告)日：2022-11-03
申请号：US17696640
申请日：2022-03-16
申请人： ASSURANT, INC.
发明人： Rajiv Matta , Ron Brusky
IPC分类号： H04L51/02 , G06N7/00 , H04L67/306 , G06N20/00 , H04L51/222 , H04L67/50
摘要： An apparatus, method, and computer program product are provided for the improved and automatic prediction of a relativistic, observer-specific perception and response to a potential event and, based at least in part on the predicted perception and response, generating and presenting observer-specific digital content items. Some example implementations employ predictive, machine-learning modeling to facilitate user-specific event perception and response prediction and the selection of particularized messages and other digital content items for presentation to the user.

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