System And Method For Determining Risk Profile, Adjusting Insurance Premiums And Automatically Collecting Premiums Based On Sensor Data

摘要

Techniques for detecting physical conditions at a physical premises from collection of sensor information from plural sensors execute one or more unsupervised learning models to continually analyze the collected sensor information to produce operational states of sensor information, produce sequences of state transitions, detect during the continual analysis of sensor data that one or more of the sequences of state transitions is a drift sequence, correlate determined drift state sequence to a stored determined condition at the premises, and generate an alert based on the determined condition. Various uses are described for these techniques.

主权项

1. A computer program product tangibly stored on a computer readable hardware storage device, the computer program product for detecting conditions and modifying insurance premiums for an insured physical premises, the computer program product comprising instructions to cause a processor to:
collect sensor information from plural sensors deployed in a premises that are configured with an identity of the premises and physical objects being monitored by the sensors in the identified premises; execute one or more unsupervised learning models to continually analyze the collected sensor information to produce operational states of sensor information; produce sequences of state transitions; detect during the continual analysis a drift sequence; producing a prediction of a next state of the premises based on the detected drift sequence; evaluate in real time by an automated underwriting system the predicted changes against a particular set of underwriting rules; adjust rates based on the evaluation of the alerts.