Abstract: Systems and methods include one or more dwelling sensors configured to generate sensor data representative of characteristics of a dwelling; a telematics device configured to generate telematics data representative of operational characteristics of a vehicle; and an analysis server. The analysis server receives the sensor data; receives the telematics data; receives credit information regarding an insured; and determines one or more insurance policy decisions based upon the sensor data, the telematics data, and the credit information the one or more insurance policy decisions comprising: a premium amount, a deductible amount, a coverage amount, a coverage term, or any combination there of for the insured.

Abstract: Systems and methods include one or more dwelling sensors configured to generate sensor data representative of characteristics of a dwelling; a telematics device configured to generate telematics data representative of operational characteristics of a vehicle; and an analysis server. The analysis server receives the sensor data; receives the telematics data; receives credit information regarding an insured; and determines one or more insurance policy decisions based upon the sensor data, the telematics data, and the credit information the one or more insurance policy decisions comprising: a premium amount, a deductible amount, a coverage amount, a coverage term, or any combination there of for the insured.

Abstract: A computer device and method for processing risk or loss related data to determine insurance underwriting, pricing, or other decisions contingent upon informatic and credit score data. An insurance underwriting decision is identified which is to be rendered regarding an insured. Informatic data is received from one or more of an insured property and vehicle associated with the insured. Credit score data relating to the insured is also received. Analytics is performed on the received informatic data and credit score data to determine the insurance underwriting, pricing, or other decision.

Abstract: Methods and systems for behavioral profiling are described. In some embodiments, a method includes observing behavioral characteristics of user interactions during a current session with the user through one of a plurality of channels. Variations between the behavioral characteristics of the user interactions observed during the current session and a behavioral profile previously developed based on prior usage patterns of the user through the plurality of channels are identified, in real-time or near real-time. For the user to proceed in the session, a challenge level is implemented based on the variations between the behavioral characteristics and the behavioral profile.