{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-11532004","patent":{"patent_number":"US-11532004","title":"Utilizing credit and informatic data for insurance underwriting purposes","assignee":null,"inventors":[],"filing_date":"2020-06-22T00:00:00.000Z","publication_date":"2022-12-20T00:00:00.000Z","cpc_codes":["G06Q","G06F","G06Q","G06Q","G06Q","G06V","G06V","H04N","G06F","G06Q","G06Q","G06Q"],"num_claims":18,"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."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Utilizing credit and informatic data for insurance underwriting purposes","description":"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 ","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-11532004","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-11532004","citation_suggestion":"Patentable. \"Utilizing credit and informatic data for insurance underwriting purposes\" (US-11532004). https://patentable.app/patents/US-11532004","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-11532004","json":"https://patentable.app/api/llm-context/US-11532004","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-31T21:55:44.742Z"}