US 11,954,737 B1
Systems and methods for determining a fixed premium rate based on behavior
Stephen Young, San Antonio, TX (US); Michael A. Merwarth, San Antonio, TX (US); Jon-Michael Kowall, San Antonio, TX (US); Michael Kyne, San Antonio, TX (US); and Carolyn Knopf, Fair Oaks Ranch, TX (US)
Assigned to United Services Automobile Association (USAA), San Antonio, TX (US)
Filed by United Services Automobile Associate (USAA), San Antonio, TX (US)
Filed on Jun. 8, 2020, as Appl. No. 16/896,002.
Application 16/896,002 is a continuation of application No. 15/615,637, filed on Jun. 6, 2017, granted, now 10,679,297.
Claims priority of provisional application 62/346,376, filed on Jun. 6, 2016.
Int. Cl. G06Q 40/08 (2012.01); G06F 16/00 (2019.01); G08G 1/0967 (2006.01); G06Q 40/00 (2023.01); G06Q 50/00 (2012.01)
CPC G06Q 40/08 (2013.01) [G06F 16/00 (2019.01); G08G 1/096775 (2013.01); G06Q 40/00 (2013.01); G06Q 50/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A system, comprising:
a home system comprising:
one or more sensors configured to monitor one or more monitor variables related to a home; and
a processor configured to:
receive a selection of the one or more monitor variables to monitor;
receive a first set of data from the one or more sensors associated with a first period of time, wherein the first set of data is limited based on the selection of the one or more monitor variables;
determine a fixed premium rate for at least two years based on the first set of data;
disable receiving the first set of data from the one or more sensors in response to the determining the fixed premium rate;
determine whether one or more alarms in the home are activated according to one or more policy expectations associated with the fixed premium rate;
adjust the fixed premium rate as an adjusted fixed premium rate in response to determining that the one or more alarms in the home are not activated according to the one or more policy expectations;
receive a second set of data from the one or more sensors associated with a second period of time, wherein the second set of data is limited based on the selection of the one or more monitor variables;
determine an additional fixed premium rate for at least two years based on the second set of data; and
display a visualization comprising the additional fixed premium rate on a display.