US 12,266,020 B2
Closed-loop system incorporating risk analytic algorithm
Joseph M. Przechocki, Westfield, MA (US); Evan Van Dam, Manchester, CT (US); and James A. Madison, Windsor, CT (US)
Assigned to HARTFORD FIRE INSURANCE COMPANY, Hartford, CT (US)
Filed by Hartford Fire Insurance Company, Hartford, CT (US)
Filed on Dec. 26, 2023, as Appl. No. 18/396,058.
Application 18/396,058 is a continuation of application No. 18/163,051, filed on Feb. 1, 2023, granted, now 11,893,645.
Application 18/163,051 is a continuation of application No. 17/346,818, filed on Jun. 14, 2021, granted, now 11,599,952, issued on Mar. 7, 2023.
Application 17/346,818 is a continuation of application No. 15/844,830, filed on Dec. 18, 2017, granted, now 11,068,991, issued on Jul. 20, 2021.
Prior Publication US 2024/0127354 A1, Apr. 18, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 40/08 (2012.01); G06N 20/00 (2019.01); H04L 67/12 (2022.01); H04L 67/125 (2022.01)
CPC G06Q 40/08 (2013.01) [G06N 20/00 (2019.01); H04L 67/12 (2013.01); H04L 67/125 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A system to facilitate predictive risk analytics for an enterprise, comprising:
(a) a risk monitoring data store containing a set of electronic data records, each electronic data record being associated with a stream of sensor data received via a first communication network from a risk monitoring site;
(b) a risk analytics platform computer, coupled to the risk monitoring data store, the risk analytics platform computer including a processor and a memory in communication with the processor and storing program instructions for controlling the processor;
(c) a risk operations platform which includes a thresholding process;
(d) a set of sensor systems at the risk monitoring site, the set of sensors including a static sensor; and
(e) a second communication network interconnecting the risk monitoring data store with the risk analytics platform computer;
wherein the risk analytics platform computer is programmed to:
(i) receive information associated with the sensor data in substantially real-time,
(ii) analyze the received sensor data, using at least one risk analytics algorithm, to detect an abnormal pattern associated with a water-damage condition and a structural damage condition at the risk monitoring site,
(iii) adjust the at least one risk analytics algorithm based on feedback information to improve performance of the at least one risk analytics algorithm;
(iv) automatically transmit a result of the analysis to the risk operations platform, thereby triggering an active adjustment at the risk monitoring site responsive to the result of the analysis to automatically mitigate the water-damage condition; and
(v) analyze results of predictive analytic algorithms to reduce a number of algorithms processed in the second communication network and to reduce usage of communication links in the system;
wherein said analyzing by the risk analytics platform computer is performed remotely from the risk monitoring site;
and further wherein:
the stream of sensor data is associated with a physical damage sensor device including: (i) a water sensor and (ii) a vapor sensor; and
the sensor systems including a mobile robotic sensor, the mobile robotic sensor operating to monitor conditions at a first location, to generate and transmit data representative of the conditions at the first location, to move from the first location to a second location different from the first location, to monitor conditions at the second location, and to generate and transmit data representative of the conditions at the second location.