Granted Patent B1

US 11,423,429 · App. 17/128,887 · Granted Aug 23, 2022

Inventors: Michael J. Allen (San Antonio, TX); Ramsey Devereaux (San Antonio, TX); Spencer Read (Helotes, TX); David S. Franck (San Antonio, TX); Teddy J. Voutour (Helotes, TX); Shanna Limas (San Antonio, TX); William Chandler (San Antonio, TX); Michael P. Burns (San Antonio, TX); Daniela Wheeler (Boerne, TX); Kathleen L. Swain (Peoria, AZ); Cleburne R. Burgess (Fair Oaks Ranch, TX)

Assignee: United Services Automobile Association (USAA)

G06Q30/0215G06Q40/08G06Q40/00

Abstract

Claims (50)

1. A system, comprising:

a computer server coupled to a communication device via a network, and programmed to:

receive modification specification data indicative of modifications to be made to a property;

receive first sensor data from a potentiometer of a plurality of sensor devices that is configured to detect voltage measurements of an electrical system of the property, wherein the first sensor data is indicative of a first voltage measurement data associated with the electrical system of the property, wherein the plurality of sensor devices comprise one or more of the following detection sensor devices: water; structural; camera; and the potentiometer;

identify, from the first voltage measurement data, a first number of voltage drops, spikes, or both;

receive second sensor data from the potentiometer of the plurality of sensor devices indicative of a second voltage measurement data associated with the electrical system of the property;

identify, from the second voltage measurement data, a second number of voltage drops, spikes, or both;

perform a determination as to whether modifications were made to the property in accordance with the modification specification data by:

comparing the first number of voltage drops, spikes, or both to the second number of voltage drops, spikes, or both to determine a change in the number of voltage drops, spikes, or both; and

determining whether the change in the number of voltage drops, spikes, or both satisfies the modification specification data; and

transmit an electronic notification to a computing device associated with the property indicating whether the modifications were made to the property in accordance with the modification specification data, based on the determination.

2. The system of claim 1 , wherein the computer server is programmed to: determine if recoverable depreciation regarding an insurance claim can be provided based upon the determination.

3. The system of claim 1 , wherein the-plurality of sensor devices are each configured to capture a different attribute of the property, each sensor device having a transmitter with an associated Internet Protocol (IP) address coupled to a wireless network for transmitting a corresponding attribute.

4. The system of claim 1 , wherein the received modification specification data relates to property repairs associated with damage to the property.

5. The system as recited in claim 1 , wherein the computer server is further programmed to determine a material used in connection with the modifications made to the property.

6. The system of claim 1 , comprising:

a data storage component wirelessly coupled to each of the plurality of sensor devices via a transmitter for each of the sensor devices wherein the data storage component is configured to aggregate captured data regarding different attributes of the property received from each of the sensor devices for provision to the computer server.

7. The system of claim 6 , comprising:

a communication component coupled to the data storage component configured to encrypt and transmit the captured data via a network.

8. A tangible, non-transitory, computer-readable medium, comprising computer-readable instructions that, when executed by one or more processors of a computer, cause the computer to:

receive modification specification data indicative of modifications to be made to a property;

receive first sensor data from a potentiometer of a plurality of sensor devices configured to detect voltage measurements of an electrical system of the property, wherein the first sensor data is indicative of a first voltage measurement data associated with the electrical system of the property, wherein the plurality of sensor devices comprise one or more of the following detection sensor devices: water; structural; camera; and the potentiometer;

identify, from the first voltage measurement data, a first number of voltage drops, spikes, or both;

receive second sensor data from the potentiometer of the plurality of sensor devices indicative of a second voltage measurement data associated with the electrical system of the property;

identify, from the second voltage measurement data, a second number of voltage drops, spikes, or both;

perform a determination as to whether modifications were made to the property in accordance with the modification specification data by:

comparing the first number of voltage drops, spikes, or both to the second number of voltage drops, spikes, or both to determine a change in the number of voltage drops, spikes, or both; and

determining whether the change in the number of voltage drops, spikes, or both satisfies the modification specification data; and

transmit an electronic notification to a computing device associated with the property indicating whether the modifications were made to the property in accordance with the modification specification data, based on the determination.

9. The computer-readable medium of claim 8 comprising computer-readable instructions that, when executed by the one or more processors, cause the computer to:

determine if recoverable depreciation regarding an insurance claim can be provided based upon the determination.

10. The computer-readable medium of claim 8 , comprising computer-readable instructions that, when executed by the one or more processors, cause the computer to:

receive the first sensor data, the second sensor data or both, sourced from the plurality of sensor devices, each sensor device having a transmitter with an associated Internet Protocol (IP) address coupled to a wireless network for transmitting a corresponding attribute.

11. The computer-readable medium of claim 8 , wherein the received modification specification data relates to property repairs associated with damage to the property.

12. The computer-readable medium of claim 8 , comprising computer-readable instructions that, when executed by the one or more processors, cause the computer to:

determine a material used in connection with the modifications made to the property.

13. A computer-implemented method, comprising:

receiving modification specification data indicative of modifications to be made to a property;

receiving first sensor data from a potentiometer of a plurality of sensor devices configured to detect voltage measurements of an electrical system of the property, wherein the first sensor data comprises an indication that is indicative of a first voltage measurement data associated with the electrical system of the property, wherein the plurality of sensor devices comprise one or more of the following detection sensor devices: water; structural; camera; and the potentiometer;

identifying, from the first voltage measurement data, a first number of voltage drops, spikes, or both;

receiving second sensor data from the potentiometer of the plurality of sensor devices indicative of a second voltage measurement data associated with the electrical system of the property;

identifying, from the second voltage measurement data, a second number of voltage drops, spikes, or both;

performing a determination as to whether modifications were made to the property in accordance with the modification specification data by:

comparing the first number of voltage drops, spikes, or both to the second number of voltage drops, spikes, or both to determine a change in the number of voltage drops, spikes, or both; and

determining whether the change in the number of voltage drops, spikes, or both satisfies the modification specification data; and

transmitting an electronic notification to a computing device associated with the property indicating whether the modifications were made to the property in accordance with the modification specification data, based on the determination.

14. The computer-implemented method of claim 13 , comprising:

determining if recoverable depreciation regarding an insurance claim can be provided based upon the determination.

15. The computer-implemented method of claim 13 , comprising:

determining a material used in connection with the modifications made to the property.

Continuity (22)