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1. 发明授权

US11138672B1 Determining and initiating insurance claim events 有权
公开(公告)号：US11138672B1
公开(公告)日：2021-10-05
申请号：US16247275
申请日：2019-01-14
申请人： United Services Automobile Association (USAA)
发明人： Michael J. Allen , Kathleen L. Swain , Cleburne R. Burgess , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler
IPC分类号： G06Q40/08 , G06K9/00 , G06Q10/00 , G06Q40/02
摘要： The present disclosure relates generally to a system that includes a storage component that stores data and a processor. The processor may install an application using a portion of the storage component, partition the portion of the storage component from a remaining portion of the storage component, and execute the application via the portion of the storage component.

2. 发明授权

US10510119B1 Determining status of building modifications using informatics sensor data 有权
公开(公告)号：US10510119B1
公开(公告)日：2019-12-17
申请号：US14273918
申请日：2014-05-09
申请人： United Services Automobile Association
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
IPC分类号： G06Q40/00 , G06Q40/08
摘要： A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.

3. 发明授权

US11532006B1 Determining and initiating insurance claim events 有权
公开(公告)号：US11532006B1
公开(公告)日：2022-12-20
申请号：US17489473
申请日：2021-09-29
申请人： United Services Automobile Association (USAA)
发明人： Michael J. Allen , Kathleen L. Swain , Cleburne R. Burgess , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler
IPC分类号： G06Q30/02 , G06Q40/08 , G06K9/00 , G06Q10/00 , G06Q40/02 , G06V20/10 , G06Q40/00
摘要： The present disclosure relates generally to a system that includes a storage component that stores data and a processor. The processor may install an application using a portion of the storage component, partition the portion of the storage component from a remaining portion of the storage component, and execute the application via the portion of the storage component.

4. 发明授权

US11423429B1 Determining status of building modifications using informatics sensor data 有权
公开(公告)号：US11423429B1
公开(公告)日：2022-08-23
申请号：US17128887
申请日：2020-12-21
申请人： United Services Automobile Association (USAA)
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
IPC分类号： G06Q30/02 , G06Q40/08 , G06Q40/00
摘要： A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.

5. 发明授权

US10181159B1 Determining and initiating insurance claim events 有权
公开(公告)号：US10181159B1
公开(公告)日：2019-01-15
申请号：US14278182
申请日：2014-05-15
申请人： United Services Automobile Association
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
IPC分类号： G06F19/00 , G06Q40/08
摘要： A computer device and method for processing loss related data to detect and initiate insurance claim events. Data is received from one or more sensor devices relating to insured property. Analysis is performed on the received data to determine one or more claim events regarding the insured property. An insurance policy, other product, or service contract associated with the insured property is received and analyzed to determine coverage for the insured property as prescribed by the insurance policy, other product, or service contract. Predefined business rules are applied using the determined one or more claim events and the determined coverage to determine if the insurance policy, other product, or service contract supports a claim regarding the one or more claim events. Notification of the claim is provided if it is determined supported by the insurance policy, other product, or service contract.

6. 发明申请

US20160104250A1 SYSTEM AND METHOD FOR PERFORMING DWELLING MAINTENANCE ANALYTICS ON INSURED PROPERTY 审中-公开
标题翻译：执行维护保养分析的系统和方法
公开(公告)号：US20160104250A1
公开(公告)日：2016-04-14
申请号：US14975254
申请日：2015-12-18
申请人： United Services Automobile Association
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , William Chandler , Michael P. Burns , Kathleen L. Swain , Cleburne R. Burgess
IPC分类号： G06Q40/08 , G06Q10/00
CPC分类号： G06Q40/08 , G06K9/00536 , G06K9/00637 , G06Q10/20 , G06Q40/025 , G06Q2220/00
摘要： A computer device and method for processing maintenance related data for performing maintenance analytics on insured property. Informatic data is received from one or more sensor devices relating to a property covered by an insurance policy. Analysis is performed on the received informatic data to determine one or more conditions associated with the property. Predefined business rules are applied using the determined one or more conditions associated with the property to determine a maintenance profile for the property indicating one or more of maintenance history and repair or maintenance requirements for the property.
摘要翻译：一种用于处理与保险财产进行维护分析的维护相关数据的计算机设备和方法。从与保险单所涵盖的财产有关的一个或多个传感器装置接收信息数据。对接收的信息数据执行分析以确定与该属性相关联的一个或多个条件。使用所确定的与该属性相关联的一个或多个条件来应用预定义的业务规则，以确定用于表示属性的维护历史和维护或维护要求的一个或多个的属性的维护简档。

7. 发明授权

US10552911B1 Determining status of building modifications using informatics sensor data 有权
公开(公告)号：US10552911B1
公开(公告)日：2020-02-04
申请号：US14273918
申请日：2014-05-09
申请人： United Services Automobile Association
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , Shanna Limas , William Chandler , Michael P. Burns , Daniela Wheeler , Kathleen L. Swain , Cleburne R. Burgess
IPC分类号： G06Q40/00 , G06Q40/08
摘要： A computer device and method for processing data to detect modifications to insured property. Received is specification data regarding modifications to be made to insured property in connection with an insurance claim. Also received is data from one or more sensor devices associated with the insured property indicative of a status regarding modifications made to the insured property. Analysis is performed on the received specification and data to determine whether one or more predefined conditions for the insurance claim is satisfied regarding the modifications to be made to the insured property.

8. 发明授权

US10510121B2 System and method for performing dwelling maintenance analytics on insured property 有权
公开(公告)号：US10510121B2
公开(公告)日：2019-12-17
申请号：US14975254
申请日：2015-12-18
申请人： United Services Automobile Association
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , William Chandler , Michael P. Burns , Kathleen L. Swain , Cleburne R. Burgess
IPC分类号： G06Q40/08 , G06Q10/00 , G06Q40/02 , G06K9/00
摘要： A computer device and method for processing maintenance related data for performing maintenance analytics on insured property. Informatic data is received from one or more sensor devices relating to a property covered by an insurance policy. Analysis is performed on the received informatic data to determine one or more conditions associated with the property. Predefined business rules are applied using the determined one or more conditions associated with the property to determine a maintenance profile for the property indicating one or more of maintenance history and repair or maintenance requirements for the property.

9. 发明授权

US09984417B1 System and method to determine insurance mitigation actions based on informatic data 有权
公开(公告)号：US09984417B1
公开(公告)日：2018-05-29
申请号：US14278202
申请日：2014-05-15
申请人： United Services Automobile Association
发明人： Michael J. Allen , Ramsey Devereaux , Spencer Read , David S. Franck , Teddy J. Voutour , William Chandler , Michael P. Burns , Kathleen L. Swain , Cleburne R. Burgess
IPC分类号： G06Q40/00 , G06F9/44 , G06F17/50 , G06Q40/08
CPC分类号： G06Q40/08 , G06Q10/20 , G06Q40/025 , G06Q2220/00
摘要： A computer device and method for processing risk or loss related data to determine insurance mitigation actions. Informatic data is received for an insured property from one or more informatic sensor devices associated with the insured property. Analysis is performed on the received informatic data to determine one or more risk conditions relating to the insured property. A mitigation report is generated based upon the determined one or more determined risk conditions which identifies one or more mitigation actions to be taken by an insured to reduce risks and the potential for future losses to the insured property.

10. 发明授权

US08799336B1 Electronic file management hierarchical structure 有权
标题翻译：电子文件管理层次结构
公开(公告)号：US08799336B1
公开(公告)日：2014-08-05
申请号：US13764525
申请日：2013-02-11
申请人： United Services Automobile Association (USAA)
发明人： Cleburne R. Burgess , Michael P. Burns , Daniel L. Newman , Keith M. Askin , Ana M. Garcia , Theron D. Smelser
IPC分类号： G06F17/30
CPC分类号： G06F17/30011
摘要： Based on received data descriptive of an event, a hierarchical data structure is constructed comprising structural elements associated with components of an event. A file folder hierarchy corresponding to the hierarchical data structure is created. User interfaces facilitate user access to files and folders in the hierarchies. Certain documents may be designated as documents of record and access to those documents is limited to processes that will not modify the original electronic document, thereby preserving it. Facilities for creating working copies of documents of records and associating them within the hierarchies are provided. A scanning information sheet that may have an electronically readable data imprint containing information about a document to be scanned is described for facilitating the migration of paper documents into an electronic file management system.
摘要翻译：基于接收到的描述事件的数据，构建包括与事件的组件相关联的结构元素的分层数据结构。创建与分层数据结构对应的文件夹层次结构。用户界面便于用户访问层次结构中的文件和文件夹。某些文件可能被指定为记录文件，并且访问这些文档仅限于不会修改原始电子文档的过程，从而保留它们。提供了创建记录文件的工作副本并将其与层次结构相关联的设施。描述了可以具有包含关于要扫描的文档的信息的电子可读数据印记的扫描信息表，以便于将纸质文档迁移到电子文件管理系统中。

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