System and method for insurance data processing using registration and operational data of IP-addressable devices

摘要

A system and method are disclosed herein for maintaining an inventory of assets located at an insured property covered under an insurance policy based on data received from IP-addressable devices located at the property. The system includes an inventory database for storing inventory information about assets located at an insured property, a communication interface for receiving registration and operational data associated with an IP-addressable device, and a business logic computer. The business logic computer creates a data structure for storing inventory information about assets located at the insured property in the inventory database for each insured property. The business logic computer determines, for the insured property, the inventory information about the insured property's assets based on registration and operational data received from its IP-addressable devices located at the property. The business logic computer stores the insured property's inventory information in its associated data structure in the inventory database.

主权项

1. A computer system for improving property safety relating to IP-addressable devices located at a residential or commercial property covered under an insurance policy, comprising:
one or more data storage devices storing a database configured to store inventory information about assets located at an insured property; one or more computer processors in communication with the one or more data storage devices; a communications device configured to communicate with the one or more computer processors, the one or more data storage devices, and networks of IP-addressable devices for receiving registration data and operational data associated with one or more IP-addressable devices connected to each of the networks, the operational data associated with the one or more IP-addressable devices indicating at least one of operational status, condition, and use of one of the assets located at the insured property; and a memory, coupled to the one or more computer processors, storing program instructions which, when executed by the one or more computer processors, cause the one or more computer processors to:
determine, for the insured property, the inventory information about the insured property's assets based on one or both of the registration data and the operational data received from the one or more IP-addressable devices located at the insured property,store the insured property's inventory information in the database; andmaking a safety-related determination based on one or both of the registration data and the operational data, the safety related determination comprising a determination of a risk of overload of a resource shared by a plurality of the IP-addressable devices; wherein the plurality of IP-addressable devices sharing the resource communicate with one another to self-adjust consumption of the resource to prevent resource overload.