Abstract: The present system is a data-driven platform to generate customized insurance policies for clients. The customization includes but is not limited to insurance conditions, pricing, and duration. The platform involves three layers of data processing pipeline: data collection layer, feature selection layer, and policy generation layer. The data collection layer gathers data from different sources. The feature selection layer selects the set of viable features per client for policy generation. Finally, the policy generation layer generates a customized and personalized insurance policy based on the preceding process.

Abstract: A modular hardware solution for a smart home gateway that can support multiple communication protocols with different functionalities. The smart home gateway is modular in nature, and the associated modules, units, and components can be installed, modified, or removed easily on the base board. The processing unit integrated is equipped with multi-thread firmware that allows seamless transition of connection among multiple available communication protocols. Communication modules can be integrated through terminal interfaces that would provide additional connectivity to other home devices. Home devices in a smart home setting would not need to be uniformed configured, as the smart home gateway would be configured to harmoniously interact with all devices in a smart home setting. The smart home gateway module incorporates an user interface that is accessible through personal devices by authorized users, and can provide continuous update and enable uninterrupted control over the home devices on the network.