Patents Assigned to Assurant, Inc.
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Patent number: 12236486Abstract: Systems and methods are disclosed herein that can detect use of a consumer electronics device and that can generate and offer insurance or protection plans that measure, account, and adjust for the use of the consumer electronics device and consumer tendencies while using the consumer electronics device.Type: GrantFiled: May 4, 2018Date of Patent: February 25, 2025Assignee: Assurant, Inc.Inventors: Biju Nair, Rajiv K. Dwivedi, Sanida D. Bratt, Joseph Settimi
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Patent number: 12223515Abstract: Various embodiments are directed to apparatuses, methods, computer readable media, computer program products, and systems related to optimizing carbon emission in mobile device lifecycle operations, including by programmatically determining and executing carbon efficient mobile device repairs. In some embodiments, the system may be configured for carbon optimized repair of a plurality of mobile devices. The system may connect with the mobile device; receive device data from the mobile device, the device data including a device identifier. The system may diagnose at least one defect with the mobile device; identify a plurality of solutions for the at least one defect; apply the device identifier and information associated with the at least one defect to one or more models to generate lifecycle efficiency prediction data for the mobile device for the plurality of solutions; and select a carbon minimized solution of the plurality of solutions based on the lifecycle efficiency predictions.Type: GrantFiled: July 7, 2023Date of Patent: February 11, 2025Assignee: ASSURANT, INC.Inventors: Marc Schroder, Patrick Ross
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Patent number: 12216808Abstract: Embodiments of the present disclosure relate to electronic lockout of a client device, specifically to managing electronic lockout of a client device associated with a claim process via a device protection program management system and third-party provider. In this regard, embodiments herein may process various data associated with determining whether to authorize a claim under a device protection program, and cause initiation of and/or termination of an electronic lockout of a client device depending on received data and/or lack of received data. In this regard, example embodiments include receiving a device claim request indication associated with a client device, where the client device is associated with a functionality lockout state; initiating a claim associated with the client device; causing initiation of an electronic lockout of the client device; processing the claim to determine whether to authorize the claim; and causing updating of the electronic lockout based on the determination.Type: GrantFiled: July 7, 2023Date of Patent: February 4, 2025Assignee: ASSURANT, INC.Inventors: Maria Manduley, Charles Daniel Cartwright, Gilberto Jose Almonte, Jr.
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Patent number: 12217200Abstract: An apparatus, method, and computer program product are provided for the improved and automatic prediction and modeling of one or more channels and relevant conditions through which resources may be directed to users in an environment where resource demand, utility, and perceived value vary over time. Some example implementations employ predictive, machine-learning modeling to facilitate the use of multiple disparate and unrelated data sets to extrapolate and otherwise predict the future needs for certain resources and identify the channels and conditions that may be employed to meet such future needs. An apparatus, method, system, and computer program product are provided for improved generating, adjusting, and/or facilitating approval of a resource offer set. Some example implementations employ one or more predictive models.Type: GrantFiled: January 17, 2024Date of Patent: February 4, 2025Assignee: Assurant, Inc.Inventors: Satish Moorthy, Jay Stauffer, Jr., Brett Caltabiano, Ronnie Jeffries, III, Vivek Kumar Jha, Deepak Kumar Dhirasaria
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Patent number: 12217315Abstract: Systems and methods are disclosed herein that can detect at least one activity by parsing text from an operation of a consumer electronics device and determine that the at least one activity matches a risk scenario.Type: GrantFiled: August 25, 2023Date of Patent: February 4, 2025Assignee: Assurant, Inc.Inventors: Biju Nair, Rajiv K. Dwivedi, Sanida D. Bratt, Joseph Settimi, Chintan Shah
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Patent number: 12164407Abstract: A system is configured to track and store system and event data for various computing devices. The system is configured to associate the various computing devices with profiles based at least in part on characteristics of the computing devices. The system is further configured to compare performance data and/or performance metrics for particular computing devices having a particular profile against all other devices that share the particular profile. The system then displays this comparison to a user of the particular computing device, substantially automatically diagnoses an issue with the particular computing device based on the performance and system event data, and/or enables the user to diagnose the problem based on the performance and system event data.Type: GrantFiled: June 1, 2023Date of Patent: December 10, 2024Assignee: ASSURANT, INC.Inventors: Dustin Brewer, Stuart Saunders, Cameron Hurst
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System, method, apparatus, and computer program product for providing mobile device support services
Patent number: 12150025Abstract: A method is provided for providing mobile device support services. The method may include monitoring a mobile device status. The method may additionally include performing device diagnostics based at least in part on captured device status data to identify potential faults that may affect mobile device functionality. A corresponding system, apparatus, and computer program product are also provided.Type: GrantFiled: May 4, 2023Date of Patent: November 19, 2024Assignee: Assurant, Inc.Inventors: Cameron Hurst, Stuart Saunders -
Patent number: 12125254Abstract: A system, apparatus, method and computer program product are provided for determining a mobile device integrity status. Images of a mobile device captured by the mobile device and using a reflective surface are processed with various trained models, such as neural networks, to verify authenticity, detect damage, and to detect occlusions. A mask may be generated to enable identification of concave occlusions or blocked corners of an object, such as a mobile device, in an image. Images of the front and/or rear of a mobile device may be processed to determine the mobile device integrity status such as verified, not verified, or inconclusive. A user may be prompted to remove covers, remove occlusions, and/or move the mobile device closer to the reflective surface. A real-time response relating to the mobile device integrity status may be provided. The trained models may be trained to improve the accuracy of the mobile device integrity status.Type: GrantFiled: May 17, 2023Date of Patent: October 22, 2024Assignee: Assurant, Inc.Inventors: Stuart Saunders, Anthony Coble, Nathan Breitsch, Mircea Ionescu
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Patent number: 12045973Abstract: Systems and methods for automatically grading a user device are provided. Such systems and methods can include (1) a lighting element positioned at an angle relative to a platform, (2) an imaging device positioned at the angle relative to the platform such that light emitted from the lighting element and a field of view of the imaging device form a right angle where the light emitted from the lighting element and the field of view meet at a user device when the user device is positioned at a predetermined location on the platform, and (3) control circuitry that can activate the lighting element, instruct the imaging device to capture an image of a screen of the user device while the user device is at the predetermined location and is being illuminated by the first lighting element, and parse the image to determine whether the screen is damaged.Type: GrantFiled: January 12, 2023Date of Patent: July 23, 2024Assignee: Assurant, Inc.Inventors: Brandon P. Johnson, Roscoe R. Herald, Harrison A. Hanks, Carson Farley
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Patent number: 11985139Abstract: Various embodiments are directed to apparatuses, methods, and computer program products for executing centralized data verification using supported data structures associated with one or more third-party system.Type: GrantFiled: December 1, 2021Date of Patent: May 14, 2024Assignee: Assurant, Inc.Inventors: Nathan Werner, Devaka Balasuriya
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Patent number: 11954623Abstract: An apparatus, method, and computer program product are provided for the improved and automatic prediction and modeling of one or more channels and relevant conditions through which resources may be directed to users in an environment where resource demand, utility, and perceived value vary over time. Some example implementations employ predictive, machine-learning modeling to facilitate the use of multiple disparate and unrelated data sets to extrapolate and otherwise predict the future needs for certain resources and identify the channels and conditions that may be employed to meet such future needs. An apparatus, method, system, and computer program product are provided for improved generating, adjusting, and/or facilitating approval of a resource offer set. Some example implementations employ one or more predictive models.Type: GrantFiled: May 20, 2019Date of Patent: April 9, 2024Assignee: Assurant, Inc.Inventors: Satish Moorthy, Jay Stauffer, Jr., Brett Caltabiano, Ronnie Jeffries, III, Vivek Kumar Jha, Deepak Kumar Dhirasaria
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Patent number: 11915197Abstract: Provided are systems and methods for programmatically weighting disparate inputs to optimize a predictive model. The predictive model may generate component weighted values associated with each disparate input to facilitate programmatic combination of the disparate inputs, and an aggregated weighted value may be generated from the combined component weighted values. Aggregated weighted values may be generated for a plurality of input sets, each of which may be programmatically scored relative to the remaining input sets. In some embodiments, the predictive model and an associated engine may be packaged for instantiation and execution on a local terminal.Type: GrantFiled: May 28, 2021Date of Patent: February 27, 2024Assignee: Assurant, Inc.Inventors: Manuel Becerra, David Glenn McMillan, Edward Gorman, Gary McWilliams
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Patent number: 11915174Abstract: An apparatus, method, and computer program product are provided for the improved and automatic prediction and modeling of one or more channels and relevant conditions through which resources may be directed to users in an environment where resource demand, utility, and perceived value vary over time. Some example implementations employ predictive, machine-learning modeling to facilitate the use of multiple disparate and unrelated data sets to extrapolate and otherwise predict the future needs for certain resources and identify the channels and conditions that may be employed to meet such future needs. An apparatus, method, system, and computer program product are provided for improved generating, adjusting, and/or facilitating approval of a resource offer set. Some example implementations employ one or more predictive models.Type: GrantFiled: February 13, 2020Date of Patent: February 27, 2024Assignee: Assurant, Inc.Inventors: Satish Moorthy, Jay Stauffer, Jr., Brett Caltabiano, Ronnie Jeffries, III, Vivek Kumar Jha, Deepak Kumar Dhirasaria
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Patent number: 11900393Abstract: Embodiments of the present disclosure provided herein include methods, computer readable mediums, apparatus, and systems for facilitating diagnosis and repair of one or more performance states associated with a computing device.Type: GrantFiled: February 8, 2021Date of Patent: February 13, 2024Assignee: ASSURANT, INC.Inventors: Mircea Ionescu, Patrick Scott McLaughlin, Ryan Joseph Turner, Cameron Messier, Anthony Glyadchenko
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Patent number: 11852728Abstract: An apparatus, method, and computer program product are provided for the improved and automatic prediction of an elevation of an architectural feature of a structure at a particular geographic location. Some example implementations employ predictive, machine-learning modeling to facilitate the use of LiDAR-derived ground-elevation data, additional location context data, and elevation data from comparator locations to extrapolate and otherwise predict the elevation or other position of a given architectural feature of structure.Type: GrantFiled: September 16, 2022Date of Patent: December 26, 2023Assignee: ASSURANT, INC.Inventors: Rajiv Matta, Ron Brusky, Mathew Schmitt, Prasanth Kambhatla
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Patent number: 11836736Abstract: Embodiments of the present disclosure provide for reduced-reliance onboarding with respect to a service provider application, including but not limited to vehicle service provider applications. Embodiments provide a custom onboarding message that enables onboarding of at least one data object via access, by a user device, of the custom onboarding message with reduced-reliance. Example embodiments receive, from a provider system, acquisition data including at least user communication channel data usable for transmitting information to a user device associated with the customer, generating a subject data object comprising at least a portion of the subject information, attempting initiation of an custom onboarding message to be accessed by the user device associated with the customer, receiving an indication that the customer accessed the custom onboarding message via the user device, and updating data associated with the subject data object to indicate completion of onboarding.Type: GrantFiled: October 8, 2021Date of Patent: December 5, 2023Assignee: Assurant, Inc.Inventors: Ronnie Blake Perkna, Dan Gronsbell
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Patent number: 11830020Abstract: Systems and methods for subscription-based product referrals are provided. In example embodiments, a user request to refer a subscription is received. A user selection of a social network connection having a social network relationship with the user on a social network service is received. A referral request is transmitted to a device of the social network connection. Acceptance of the referral request is determined. Based on determining acceptance of the referral request, a credit is provided to the user.Type: GrantFiled: August 3, 2021Date of Patent: November 28, 2023Assignee: ASSURANT, INC.Inventor: Keith Meier
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Patent number: 11790455Abstract: Systems and methods are disclosed herein that can detect use of a consumer electronics device and that can generate and offer insurance or protection plans that measure, account, and adjust for the use of the consumer electronics device and consumer tendencies while using the consumer electronics device.Type: GrantFiled: November 8, 2019Date of Patent: October 17, 2023Assignee: Assurant, Inc.Inventors: Biju Nair, Rajiv K. Dwivedi, Sanida D. Bratt, Joseph Settimi, Chintan Shah
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Patent number: D1018576Type: GrantFiled: October 8, 2020Date of Patent: March 19, 2024Assignee: Assurant, Inc.Inventors: Dan Gronsbell, Ronnie Blake Perkna
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Patent number: RE50340Abstract: In various implementations, a condition of one or more screens of a device may be determined. A user may select a return application that facilitates capturing image(s) of device screen(s). A user may capture images of a screen of using a camera of the same device or another device. In some implementations, the user may position the device proximate a mirror such that the device can capture an image of one or more screens of the device. The captured image(s) may be processed and/or analyzed to determine if the screen of the device is damaged. In some implementations, notifications based on the condition of the device screen(s) may be transmitted. A price for the device may be determined, in some implementations based on the condition of the screen.Type: GrantFiled: June 24, 2021Date of Patent: March 18, 2025Assignee: ASSURANT, INC.Inventors: Rajiv Kumar Dwivedi, Christopher Heistad, Bikramjit Singh, Karl Felix Medina, Ram Mohan Reddy, Jonathan Brian Chinn, Rebekah Jane Griffiths, Satish G. Nair, Biju Nair