Data hub
Systems, methods, apparatuses and computer-readable media for receiving data from one or more sensors or devices associated with one or more users are presented. In some examples, data may be filtered and analyzed to determine a risk profile for a user. In addition, the system may also determine a neighborhood risk profile for a number of users located in the same geographical location. The risk profile and the neighborhood profile may be used to determine or adjust a user's insurance premiums.
1. A device, comprising:
a sensing system coupled to a network wherein the sensing system is in communication with a plurality of different data collection devices located at a geographical location;
a processor coupled to the network; and
a memory storing computer-executable instructions, which when executed by the processor, cause the sensing system to:
receive at least one signal via the network having first data from a first data collection device;
receive at least one signal via the network having second data from a second data collection device,
filter the received first and second data based on privacy settings to obtain filtered first and second filtered data;
analyze the filtered first and second data;
determine a risk profile based on the analyzed and filtered first and second data;
determine an insurance premium rate based on the determined risk profile;
further analyzing the filtered first and second data to determine normal and abnormal operating conditions of the geographical location; and
automatically initiate an insurance claim based on the determined abnormal operating conditions of the geographical location.
2. The device of claim 1 , wherein the first data collection device is one of a: water heater, refrigerator, furnace, washing machine, dryer, and dishwasher.
3. The device of claim 2 , further including instructions that, when executed, causing the device to create a notification of required maintenance for the first data collection device.
4. The device of claim 1 , wherein the second data collection device is one of a: light switch, roof monitor, smoke detector, sump pump, and security system.
5. The device of claim 1 , wherein the sensing system is also cause to:
receive at least one signal via the network having third data from an outside source of data;
filter the received first, second, and third data based on privacy settings to obtain filtered first, second, and third filtered data;
analyze the filtered first, second, and third data;
determine a risk profile based on the analyzed and filtered first, second, and third data; and
based on the determined risk profile, determine an insurance premium rate.
6. The device of claim 5 , wherein the outside data source is one of a:
police report, neighborhood report, alarm company, or vehicle.
7. The device of claim 1 , further including instructions that, when executed, cause the device to create a notification of the determined abnormal operation conditions of the geographical location.
8. A method, comprising:
receiving at least one signal having first data via a network from a first sensing system, wherein the first sensing system comprises a first plurality of different data collection devices located at a first geographical location;
receiving at least one signal having second data via a network from a second sensing system, wherein the second sensing system comprises a second plurality of different data collection devices located at a second geographical location;
filtering the received first and second data based on privacy settings;
analyzing the filtered first and second data;
determining a first risk profile and second risk profile based on the filtered and analyzed first and second data;
determining a first insurance premium rate based on the first risk profile;
determining a second insurance premium rate based on the second risk profile;
determining abnormal and normal operating conditions at each geographical location based on the analyzed and filtered first and second data; and
automatically initiating an insurance claim based on the determined abnormal operating conditions of each geographical location.
9. The method of claim 8 , further comprising
receiving at least one signal having third data via a network from an outside source of data;
filtering the received first, second, and third data based on privacy settings;
analyzing the filtered first, second, and third data;
determining a third risk profile based on the analyzed and filtered first, second, and third data; and
determining a third insurance premium rate based on the determined third risk profile.
10. The method of claim 9 , wherein the outside data source is one of a: police report, neighborhood report, alarm company, or vehicle.
11. The method of claim 8 , further compromising notifying safety personal of determined abnormal operating conditions of each geographic location.
12. The method of claim 8 , further comprising creating a notification for each geographic location of required maintenance for the data collection devices.
13. The method of claim 8 , wherein the first plurality of different data collection devices includes a vehicle.
14. The method of claim 8 , wherein the first plurality of different data collection devices includes a mobile phone.
15. A method, comprising:
receiving at least one signal having first data via a network from a first sensing system, wherein the first sensing system comprises a first plurality of different data collection devices located at a first geographical location;
receiving at least one signal having second data via the network from a second sensing system, wherein the second sensing system comprises a second plurality of different data collection devices located at a second geographical location;
receiving at least one signal having third data via the network from a third sensing system, wherein the third sensing system comprises a first plurality of different data collection devices located at a third geographical location;
filtering the received first, second, and third data based on privacy settings associated with the first, second, and third sensing systems;
analyzing the filtered first, second, and third data;
determining a risk profile based on the filtered and analyzed first, second, and third data;
determining, based at least in part on the determined risk profile, an insurance premium rate for each geographical location;
determining abnormal and normal operating conditions at each geographical location based on the analyzed and filtered first, second, and third data; and
automatically initiating an insurance claim based on the determined abnormal operating conditions of each geographical location.
16. The method of claim 15 , further comprising
receiving at least one signal having fourth data via a network from an outside source of data;
filtering the received first, second, third, and fourth data based on privacy settings based on privacy settings associated with the first, second, third, and fourth sensing systems data collection devices;
analyzing the filtered first, second, third, and fourth data;
determining a second risk profile based on the filtered and analyzed first, second, third, and fourth data; and
determining an insurance premium rate for each geographical location based on the second risk profile.
17. The method of claim 15 , wherein the outside data source is one of a: police report, neighborhood report, alarm company, or vehicle.
18. The method of claim 15 , further compromising notifying safety personal of determined abnormal operating conditions of each geographic location.
19. The method of claim 15 , further comprising creating a notification for each geographic location of required maintenance for the data collection devices.
20. The method of claim 15 , wherein each plurality of different data collection devices includes a vehicle.
21. The method of claim 15 , wherein each plurality of different data collection devices includes a mobile phone.