44results about How to "Reduce the cost of insurance" patented technology

A security system for recording information outside a vehicle and delivering such information to a remote location includes a plurality of cameras mounted within a housing with radial lines of sight for providing a panoramic view of the surroundings. The present invention further includes a communication mechanism for transmitting an image to a remote location. A user interface includes one of a hand-operable video phone, personal computer and cellcorder. The present invention further includes an image stabilizing mechanism for maintaining the lines of sight along a linear path. The image stabilizing mechanism is secured to the housing and cameras. Such an image stabilizing mechanism includes a housing that has a motor, a gyro, and a helical spring member, which provide support as the vehicle is in motion.

A method and apparatus for determining an incremental cost of insurance for the operation of a motor vehicle and billing the same to an operator of the vehicle. The system uses an internal system for determining one or more operational factors associated with the vehicle, such as its geographic location, speed, acceleration, etc, in at least near real time, and recording the information in a database. From this information incremental insurance cost information is determined relating to the cost of insuring the vehicle for a predetermined time during, for example one day. The insurance cost information is transmitted to a contracting company, which may comprise an underwriting company responsible for providing the insurance coverage for the vehicle. The invention makes it possible for an operator to better gauge how driving habits and/or usage of the vehicle affect the cost of the insurance, as well as providing insurance companies with near real time information from which even more accurate determinations of risk can be made, and insurance costs to the operator adjusted accordingly.

Systems and methods for the capture, analysis, and reporting of risky driver behavior are provided in combination with coaching of individual drivers to improve driver performance. The system comprises an event capture device that records both audio and video of an event. The event data, which includes the audio, video, and other related information, is provided to an evaluation server where it is then analyzed and scored and compiled with other event data. Event data can be compiled for individual drivers, groups of drivers, and the entire universe of drivers for an organization. The evaluation server provides managers, supervisors, and executives with access to reports including granular information about risky behavior and trends related to individual drivers, groups of drivers, or the entire universe of drivers for the organization. Additionally, the evaluation server provides coaching sessions for drivers (with or without their supervisors) to demonstrate to the driver with audio, video, and other related information (e.g., speed) how the event occurred and improved ways to avoid such an event in the future. In this fashion, driver improvement is achieved and insurance costs may be reduced for the organization.

Embodiments of the present invention delineate systems and methods for dynamically assessing and mitigating risk of an insured entity. An entity that provides insurance may, in various embodiments, use applications installed on mobile devices to monitor information that may reduce or mitigate fraudulent insurance claims. Additional embodiments of the present invention delineate systems and methods for providing a user of a mobile device with information relevant to a position of a mobile device, wherein such information may describe one of a risk and an opportunity within a predetermined distance of a location for the mobile device.

An insurance method comprising a return-of-premium (ROP) benefit is disclosed. The ROP benefit is applied to property and casualty insurance and related insurance forms. The ROP benefit provides a return of all premiums after a set period of insurance, less the amount of any claims made by the insured. The policy may then be rolled over to again provide a ROP benefit to the policyholder. Fractional ROP benefit returns may be made on the policy after a minimum set period less than the full term of the policy. The ROP benefit may be provided by means of a rider to a standard property or casualty policy.

This invention relates to a cushioned floor covering article wherein the mat includes a tufted carpet placed on the top side of a foam rubber sheet and at least one foam rubber protrusion integrated within at least a portion of the bottom side of the foam rubber sheet. Such an article provides effective removal of moisture, dirt, and debris from the footwear of pedestrians through the utilization of a carpet pile component. Furthermore, the utilization of a foam rubber backing also allows for either periodic heavy duty industrial-scale laundering in such standard washing machines or periodic washing and drying in standard in-home machines, both without appreciably damaging the inventive floor covering article, such as a floor mat. Additionally, the presence of integrated foam rubber protrusions within the mat structure provides an effective cushioning effect for pedestrian comfort as well as a means to prevent slippage of the article from its contacted surface. A method of producing such an inventive cushioned floor covering article is also provided.

The invention relates to a construction method for an urban disaster prevention and fighting informationalized rescue command comprehensive intelligent platform. The method organically integrates the telemetry and remote-sensing devices for video monitoring and fire detection and alarm, the CHINANET, and the acoustic and optical analysis and data transmission techniques. Through the establishment of a local area network which is connected with the CHINANET and is specialized in disaster prevention and rescue handling, the platform realizes the real-time acquisition of a great amount of disaster area information (including the information about the disaster occurrence process) in a most economical mode within the shortest time, shares the real-time information with related experts and technical staff for analysis and treatment in a safe mode, and provides a brand-new informationalized solution for the disaster cause analysis, process recording and rescue handling. The invention also provides a practical solution for the wider practical and daily application of the system. Simultaneously, the method related to data acquisition and processing also breaks an inherent data source, acquisition and transmission mode of the optical analysis.

In some implementations, a self-selected insurance pool can be created. A group organizer and/or member of the insurance pool can invite friends, relatives and/or other contacts to join the self-selected insurance pool. Invitations can be sent using electronic mechanisms, including email, instant messaging, text messaging, etc. Invitees can be identified and selected from a member's address book or from contacts on a social media website. In some implementations, once the insurance pool has been created, members of the pool can monitor the activities of members of the group and receive notifications of events generated by other members. Members of the pool can view their own statistics as compared to other members of the group. Members can initiate a review of another member to determine if the member has been abusing or excessively using the insurance of the pool and initiate proceedings to remove the abusing member from the pool.

The present invention pertains in general to a system, method and apparatus to track a user's interaction with a workstation surrounding the sensing of user presence, user orientation workstation height for association with an identified user and providing notifications to the user for the purposes of recommending standing or seated user orientation as directed by system analysis and allowing access and tacking of such tracking and notifications by users, employers or other predetermined third-parties.

The present invention is a method and system for providing reduced insurance premiums to an insured entity and a reduced risk of loss to an insuring entity. A program containing certain program requirements for the insured entity is created, and procedures are designed for the insured entity to meet these predetermined program requirements. The proximity in meeting these program requirements are monitored and then communicated to an interested third party, such as the insurer. Thus, the present invention by monitoring the insured entity, and communicating information relating to the insured entity to the insuring entity, allows the insuring entity to reduce the insurance costs to the insured entity if such monitoring results in favorable information for the insurer.

A business method is described comprising doctorless testing, diagnosis, and treatment of patient diagnosed health maladies. Antithetical to the current regulatory and general public healthcare practices, in the doctorless method the patient has the equivalent of a clinical laboratory and physician's clinic at home. The herein disclosed microscope, blood tests, and physiological monitoring are patient selected, patient interpreted, and acted upon by the patient without physician support. The invention herein disclosed is a multi-element bundled comprehensive solution that lowers yearly primary healthcare costs to that of a cell phone, and will be purchased at retail stores such as Wal-Mart.

In a highway tractor trailer vehicle, a brake control sensor is operative to detect each activation of the manual trailer brake control, and a recorder receives and stores data comprising a speed of the tractor at each manual trailer brake control activation. Trailer brake wear is reduced by penalizing an operator of the tractor for each unauthorized activation of the manual trailer brake control. Testing of the connection of the tractor to the trailer is encouraged by tracking the activation of the manual trailer brake control and penalizing the operator for failure to test the connection.

The invention discloses a shared camera device platform system and an operation method thereof. The system comprises a shared camera shooting platform client, a camera shooting device and a shared camera shooting platform server, and the shared camera shooting platform client is used for being installed on a mobile intelligent terminal of a lessee and/or a lessee, publishing leasing information through the client, and setting the camera shooting device and watching image record information. The camera device is used for the lessee to carry out image recording on the safety and integrity of thecorresponding article in the service space when the lessee uses the service personnel to provide the service, and transmitting the recorded image information to the shared camera platform client in real time. And the shared camera shooting platform server is used for receiving, publishing and matching the related information of the lessee and/or the lessee of the camera shooting device, and sending instruction information to assist in completing the leasing and/or the leasing behavior. According to the invention, the user can rent and/or rent the camera device, so that idle resources are effectively utilized, and convenience is provided for the user.

The present invention relates to an apparatus for automatically managing the ballast water of a dual-hulled ship and, more specifically, to an apparatus for automatically managing the ballast water of a ship, the apparatus dividing the structure of an integrated ballast water tank into ballast water tanks of a multi-layered structure, and filling each ballast water tank with seawater, so as to perform the original function thereof of maintaining the water-line by means of the ballast water, and having a structure and a device so as to utilize the seawater, used as cooling water, residential water, water for miscellaneous use, and the like, as the seawater of the ballast water tanks, thereby integrally managing the usage of the seawater of the ship, and continuously and successively changing the seawater of the ballast water tanks while the ship is sailing.

The invention discloses frequency spectrum monitoring and wireless networking test equipment, which comprises an antenna, a preselector module, a frequency conversion processing module, a frequency synthesizer module, a digital processing module and a main controller. The main controller is connected with the preselector module, the frequency conversion processing module and the digital processingmodule through buses. The antenna is connected with the preselector module, the preselector module is connected with the frequency conversion processing module, and the frequency conversion processing module is connected with the digital processing module. The antenna receives the signal and sends the signal to the preselector module, and the preselector module carries out selective filtering andamplification processing on the signal. The preselector module sends the signal subjected to selective filtering and amplification processing to the frequency conversion processing module for frequency conversion processing to obtain an intermediate frequency signal, and the intermediate frequency signal is filtered and then sent to the digital processing module for signal identification and measurement and then sent to the main controller. The frequency synthesizer module is used for providing a local oscillator signal for frequency mixing for the frequency conversion processing module. According to the invention, electromagnetic radiation can be monitored, identified, judged, predicted and perceived.

The invention discloses an electrolyte of a supercapacitor, a preparation method and performance, the electrolyte is composed of an ionic liquid and high boiling point hydrocarbons, and the mass ratioof the ionic liquid to the electrolyte is 10%-50%; according to the method, the ionic liquid with high water content can be used for directly preparing the high-purity electrolyte. The electrolyte has the characteristics of low cost, wide voltage window, excellent low-temperature performance and high-temperature performance and the like.