Patents by Inventor Daniela M. Wheeler

Daniela M. Wheeler has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Determining appliance insurance coverage/products using informatic sensor data
    Patent number: 11966939
    Abstract: A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.
    Type: Grant
    Filed: September 3, 2021
    Date of Patent: April 23, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Michael J. Allen, Spencer Read, David S. Franck, William M. Chandler, Daniela M. Wheeler, Kathleen L. Swain
  • Systems and methods for utilizing imaging informatics
    Patent number: 11227339
    Abstract: A computer device and method for processing an insurance claim and making decisions regarding an insurance policy utilizing informatic data received from one or more informatic camera sensor devices configured to capture imagery data relating to an insured property. Analysis is performed on the received imagery informatic data to determine an assessment variable regarding the insured property. An insurance policy associated with the insured property is also received by the computer and analyzed to determine insurance coverage terms and conditions for the insured property. Predefined business rules are preferably applied by the computer using at least the determined assessment variable and the determined insurance coverage terms and conditions for the insured property to determine an event relating to the insurance policy associated with the insured property.
    Type: Grant
    Filed: December 21, 2018
    Date of Patent: January 18, 2022
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, David S. Franck, Michael J. Allen, Daniela M. Wheeler, Spencer E. Read, Kathleen L. Swain
  • Determining appliance insurance coverage/products using informatic sensor data
    Patent number: 11113765
    Abstract: A computer device and method for processing risk related data to determine one or more insurance products for appliances and other systems located in or on an insured property. Informatic data is received from one or more informatic sensor devices relating to one or more appliances located in or on an insured property. Analysis is performed on the received informatic data to determine one or more insurance products to be recommended for at least one appliance located in or on the insured property. Notification is provided regarding determination of the one or more insurance products for the at least one appliance located in or on the insured property.
    Type: Grant
    Filed: January 11, 2018
    Date of Patent: September 7, 2021
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, Michael J. Allen, Spencer Read, David S. Franck, William M. Chandler, Daniela M. Wheeler, Kathleen L. Swain
  • Method and system for making rapid insurance policy decisions
    Patent number: 10740847
    Abstract: A computer system and method for processing data to make rapid decisions regarding an insurance policy. Data is received from one or more informatic sensor devices and databases relating to an insured or insured property. A decision is identified that is to be rendered regarding an insurance policy in association with the insured. Predictive analytics is performed on the received data to determine the decision to be rendered regarding the insurance policy. Notification is provided of the determined decision regarding the insurance policy.
    Type: Grant
    Filed: August 23, 2016
    Date of Patent: August 11, 2020
    Assignee: United Services Automobile Association (USAA)
    Inventors: Ramsey Devereaux, David S. Franck, Karen M. Moritz, Spencer E. Read, Daniela M. Wheeler, Eric Vaith, Erin E. McCaw, Christopher Maurice Norman, Jodi Jean Healy, Bharat Prasad, Kathleen L. Swain, Michael J. Allen
  • Insurance policy alterations using informatic sensor data
    Patent number: 10121207
    Abstract: A computer device and method for processing risk related data to affect changes to an insurance policy whereby one or more terms of an insurance policy associated with an insured and informatic data from a plurality of sensor devices are received by a computer processor. Analysis is performed on the received informatic data to determine a risk assessment value regarding the insured and/or other risks relevant to the insurance policy, such as a dwelling. Predefined business rules are then applied using at least the determined risk assessment value to determine if conditions have been met to allow or require modification of the insurance policy whereafter modification of one or more terms of the insurance policy is performed if the insurance policy associated with the insured permits modification.
    Type: Grant
    Filed: July 17, 2017
    Date of Patent: November 6, 2018
    Assignee: United Services Automobile Association
    Inventors: Ramsey Devereaux, David S. Franck, Michael J. Allen, Daniela M. Wheeler, Spencer Read, Traci K. Uribe, Ina L. Jackson, Kathleen L. Swain