US 9,811,862 B1
Determining risks related to activities on insured properties using informatic sensor data
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); William Chandler, San Antonio, TX (US); Daniela Wheeler, Boerne, TX (US); Kathleen L. Swain, Peoria, AZ (US); and Justin D. Haslam, San Antonio, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Association, San Antonio, TX (US)
Filed on Jun. 12, 2014, as Appl. No. 14/303,382.
Claims priority of provisional application 61/948,192, filed on Mar. 5, 2014.
Claims priority of provisional application 61/943,906, filed on Feb. 24, 2014.
Claims priority of provisional application 61/943,901, filed on Feb. 24, 2014.
Claims priority of provisional application 61/943,897, filed on Feb. 24, 2014.
Claims priority of provisional application 61/926,532, filed on Jan. 13, 2014.
Claims priority of provisional application 61/926,534, filed on Jan. 13, 2014.
Claims priority of provisional application 61/926,541, filed on Jan. 13, 2014.
Claims priority of provisional application 61/926,536, filed on Jan. 13, 2014.
Claims priority of provisional application 61/926,095, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,098, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,091, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,093, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,114, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,103, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,111, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,108, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,123, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,121, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,119, filed on Jan. 10, 2014.
Claims priority of provisional application 61/926,118, filed on Jan. 10, 2014.
Claims priority of provisional application 61/866,779, filed on Aug. 16, 2013.
Int. Cl. G06Q 40/00 (2012.01); G06Q 40/08 (2012.01)
CPC G06Q 40/08 (2013.01) 13 Claims
OG exemplary drawing
 
13. An improved computer system having a computer server coupled to a database via a network that stores electronic sensor data regarding inhabitants within a dwelling captured from one or more sensor devices associated with the dwelling comprising a motion sensor configured to capture data associated with a number of inhabitants located in the dwelling and an appliance sensor configured to capture data associated with use of one or more appliances within the dwelling, wherein the motion sensor comprises passive infra-red detectors configured to detect simultaneous motion patterns at various points within the dwelling comprising a cooking activity pattern, wherein the improvement comprises analyzing the captured sensor data from the motion sensor to determine a number of inhabitants associated with a dwelling, generating an instruction to command the appliance sensor to capture and transmit data associated with usage of the one or more appliances within the dwelling comprising a cooking activity pattern associated with the inhabitants, wherein the first instruction alters a frequency of reading associated with the appliance sensor by commanding an immediate reading, and wherein the cooking pattern corresponds to a time value associated with the one or more appliances remaining unattended, receiving the captured sensor data from the appliance sensor, and utilizing the received captured data form the motion sensor and the appliance sensor to determine and display a usage factor associated with the dwelling, on at least one of the appliance sensor and the motion sensor, whereby the computer system modifies at least one dataset based on the usage value.