] This application claims priority to U.S. Patent Application Serial No. 15/263,634, filed September 13, 2016, and entitled "Safety Score". This application is herein incorporated by reference in its entirety.

FIELD OF THE INVENTION

] Aspects of the disclosure generally relate to calculation and utilization of a safety score. In particular, various aspects described herein relate to a utilization of a safety score of an individual to modify the risk behavior of the individual.

BACKGROUND OF THE INVENTION ] Safe behavior of an individual, whether personal safety, automobile safety, home safety, or the like, is important to companies such as insurance companies when assessing coverage and costs. Safe behavior may be reflected by asset ownership (house, automobile, boat, motorcycle, and the like) as well as activity by an individual (driving habits, personal safety, and the like.) However, it is often difficult to concretely measure safe behavior. Individuals may not recognize that certain behaviors are not safe. In addition, individuals may be unwilling or unmotivated to change certain unsafe behaviors even if aware of such behaviors. Thus, even if safety can be measured, it may be difficult to encourage individuals to improve safety by changing unsafe behavior.

Insurance companies, for example, may wish to encourage safe behavior from their users. However, users often mistrust the goals of insurance companies confusing concern with promoting the sale of business products (e.g. insurance.) For example, the user may never have had to file a claim with its insurance company and only associates the relationship with paying out of premiums. That is, there is often no track record of success that causes users to trust an insurance company. Further, a user may not be aware of, or provide, all the information needed for an agent to assess safe behavior. Even if provided, a user may not take the advice of an agent to change behavior or provide safety improvements such as in the home.

BRIEF SUMMARY OF THE INVENTION ] The following presents a simplified summary in order to provide a basic understanding of some aspects of the disclosure. The summary is not an extensive overview of the disclosure. It is neither intended to identify key or critical elements of the disclosure nor to delineate the scope of the disclosure. The following summary merely presents some concepts of the disclosure in a simplified form as a prelude to the description below. ] Aspects of the disclosure relate to systems, methods, apparatuses and computer- readable media for using a scoring model in association with an overall safety score based on a combination of asset safety score and activity safety score. ] Other features and advantages of the disclosure will be apparent from the additional description provided herein

BRIEF DESCRIPTION OF THE DRAWINGS ] A more complete understanding of the present invention and the advantages thereof may be acquired by referring to the following description in consideration of the accompanying drawings, in which like reference numbers indicate like features, and wherein: ] FIG. 1 illustrates computing systems and a network environment that may be used to implement aspects of the disclosure. ] FIG. 2 illustrates an example operating environment according to one or more aspects of the disclosure. Oil] FIG. 3 illustrates an example event sequence illustrating a process associated with the safety score, according to one or more aspects of the disclosure.

012] FIG. 4 illustrates a flow diagram illustrating one example method of creating a safety score and modifying the safety score based on a change in activity of a user, according to one or more aspects of the disclosure.

013] FIG. 5 illustrates a flow diagram illustrating one example method of creating a safety- score, providing recommendations, and modifying the safety score based on a change in activity of a user, according to one or more aspects of the disclosure,

014] FIG. 6 illustrates a possible interactive graphical interface for providing recommendations.

FIGS, 7A, 7B, 7C illustrate graphical interfaces for conveying activity safety score, asset safety score, and an overall safety score to a user.

FIG. 8 illustrates a graphical interface of an asset coverage score where the amount of protected assets is displayed graphically to the user.

FIG, 9 illustrates a graphical interface of a bodily injury limit option. FIG, 10 illustrates a graphical interface of a roadside emergency assist option.

DETAILED DESCRIPTION OF THE INVENTION

[019] In the following description of the various embodiments, reference is made to the accompanying drawings, which form a part hereof, and in which is shown by way of illustration, various embodiments of the disclosure that may be practiced. It is to be understood that other embodiments may be utilized,

[020] As will be appreciated by one of skill in the art upon reading the following disclosure, various aspects described herein may be embodied as a method, a computer system, or a computer program product. Accordingly, those aspects may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, such aspects may take the form of a computer program product stored by one or more computer-readable storage media having computer-readable program code, or instructions, embodied in or on the storage media. Any suitable computer-readable storage media may be utilized, including hard disks, CD-ROMs, optical storage devices, magnetic storage devices, and/or any combination thereof, in addition, various signals representing data or events as described herein may be transferred between a source and a destination in the form of electromagnetic waves traveling through signal -conducting media such as metal wires, optical fibers, and/or wireless transmission media (e.g., air and/or space). The examples which follow are intended as an illustration of certain preferred embodiments of the invention, and no limitation of the invention is implied.

FIG. 1 illustrates a block diagram of a safety score server machine 101 as part of a safety detection system 100 that may be used according to one or more illustrative embodiments of the disclosure. The safety score server machine 101 may have a processor 103 for controlling overall operation of the safety score server machine 101 and its associated components, including RAM 105, ROM 107, input/output module 109, and memory 1 15.

Input/Output (I/O) 109 may include a microphone, keypad, touch screen, and/or stylus through which a user of safety detection system 100 may provide input, and may also include one or more of a speaker for providing audio output and a video display device for providing textual, audiovisual and/or graphical output Software may be stored within memory 115 and/or storage to provide instructions to processor 103 for enabling system 100 to perform various functions. For example, memory 115 may store software used by the device 100, such as an operating system 1 17, application programs 1 19, and an associated internal database 121. Processor 103 and its associated components may allow safety score server machine 101 to execute a series of computer-readable instructions to generate a safety score. ] The safety detection system 100 may operate in a networked environment supporting connections to one or more remote computers, such as terminals 141 and 151 , The terminals 141 and 1 51 may be personal computers, smartphones, or servers that include many or all of the elements described above relative to safety score server machine 101. The network connections depicted in Figure 1 include a local area network (LAN) 125 and a wide area network (WAN) 129, but may also include other networks. When used in a LAN networking environment, the safety score server machine 101 is connected to the LAN 125 through a network interface or adapter 123. When used in a WAN networking environment, the safety score server machine 101 may include a modem 127 or other means for establishing communications over the WAN 129, such as network 131 (e.g., the Internet). It will be appreciated that the network connections shown are illustrative and other means of establishing a communications link between the computers may be used. The existence of any of various well-known protocols such as TCP/IP, Ethernet, FTP, HTTP and the like is presumed. ] Additionally, an application program 119 used by the safety score server machine 101 according to an illustrative embodiment of the disclosure may include computer executable instructions for invoking functionality related to safety score of a user, identifying actions to increase the safety score, and providing changes to the safety- score in real time. ] Referring to FIG. 2, an example of a suitable operating environment in which various aspects of the disclosure may be implemented is shown in the schematic diagram. The safety detection system 200 is illustrated in one example of a suitable operating environment and is not intended to suggest any limitation as to the scope of use or functionality of the safety detection system 200. Safety detection system 200 may also include mobile terminals or phones such as 241 and 251, laptops such as laptop 261 and/or tablet computers such as tablet 271 for use in communication with safety score server machine 101 through network 231. ] The safety detection system 200 may also be comprised of one or more databases 214, 216 coupled to a safety score server machine 101. The communication between the databases 214, 216 and the safety score server machine 101 may be through wired or wireless communication networks (depicted by network cloud 231). The safety score server machine 101 and other devices (e.g., databases 214, 216) may be connected to one or more of the networks via twisted pair wires, coaxial cable, fiber optics, satellite signals, radio waves or other media. The term "network" as used herein and depicted in the drawings should be broadly interpreted to include not only systems in which remote databases are coupled together via one or more communication paths, but also stand-alone devices that may be coupled, from time to time, to such systems that have storage capability. Consequently, the term "network" includes not only a "physical network" but also a "content network," which is comprised of the safety data attributable to a single entity which resides across all physical networks, ] The plurality of databases 214, 216 may include information belonging to or maintained by an insurance provider/company, government entity, and/or third-party entity. For privacy protection reasons, access to the information in these databases 214, 216 may be restricted to only authorized computing devices and/or users and for only permissible purposes. For example, a database 214 may comprise a computer internal to an insurance company and may store user information. The stored information about a user may include information regarding user assets (e.g. house, car, boat, motorcycle, and the like), and user activity (e.g. where a user lives, where and how much automobiles are driven, driving behavior (e.g. hard braking, speeding, nighttime driving), driving record, number of children, pets, employment, certifications (e.g. CPR, first aid, gun safety).) Database 214 may further contain stored policy information about a user such as, but is not limited to, the user's relevant coverage limits/deductibles with insurance carriers including automobile insurance, home owner's insurance, and life insurance, and any other information apparent to one skilled in the art. In another example, database 214 may also store predefined business rales and other information to enable the methods, systems and applications disclosed herein. For example, the database 214 may store historical data (e.g. previous residences, automobiles, employment, traffic infractions, expired certifications) or historical policy information (e.g., insurance products purchased, renewed, not renewed, coverage levels, changes in coverage levels, etc.) or other applicable data archived by the insurance company. This data may be used, among other things, to optimize the business rules, to evaluate product needs and gaps in insurance coverage, and/or recommend and prioritize products, coverages and/or actions as used in the method and systems disclosed herein.

System 200 may further include one or more other databases such as database 216 storing the same or different types of information. For example, database 216 may correspond to an external database of a third party (e.g., another insurance provider, a government database, private or public data warehouses, etc.) Either database 214 or database 216, or both, may store a variety of other types of information including demographic data, personal contact information, and the like.

The disclosure is operational with numerous other special purpose computing system environments or configurations. For instance, computing systems, environments, and/or configurations that may be suitable for use with the disclosure include, but are not limited to, personal computers, server computers, hand-held or laptop devices, multiprocessor systems, microprocessor-based systems, set top boxes, programmable consumer electronics, network PCs, minicomputers, mainframe computers, and distributed computing environments that include any of the above systems or devices, and the like and are appropriately configured with hardware and/or software to perform the functions described herein.

One or more aspects of the disclosure may be embodied in computer-usable or readable data and/or computer-executable instructions, such as in one or more program modules, executed by one or more computers or other devices as described herein. Generally, program modules may include hardware and/or software and include routines, programs, objects, components, data stmctures, etc, that perform particular tasks or implement particular abstract data types when executed by a processor in a computer or other device. The modules may be written in a source code programming language that is subsequently compiled for execution, or may be written in a scripting language such as (but not limited to) HTML or XML. The computer executable instructions may be stored on a computer readable medium such as a hard disk, optical disk, removable storage media, solid state memory, RAM, etc. As will be appreciated by one of skill in the art, the functionality of the program modules may be combined or distributed as desired in various embodiments. In addition, the functionality may be embodied in whole or in part in firmware or hardware equivalents such as integrated circuits, field programmable gate arrays (FPGA), and the like. Particular data structures may be used to more effectively implement one or more aspects of the disclosure, and such data structures are contemplated within the scope of computer executable instructions and computer-usable data described herein. ] A safety detection system such as system 100 and 200 of FIGS. 1 and 2 may be configured to collect existing asset information (e.g. house, automobile, boat, motorcycle) and activity information (e.g. commuting, where and how much automobiles are driven, driving record, number of children, pets, employment, certifications (e.g. CPR, first aid, gun safety) for an individual or entity (e.g., family, company, organizations, etc.), identify potential safety concerns of the individual entity, assign a safety score to the individual or entity, and recommend actions or products to increase the safety score. Accordingly, safety score server machine 101 may provide a comprehensive overview and review of an individual, a family, a household, or a business entity's safety profile and potential actions to address safety concerns. ] The safety score server machine 101 may include the individual's assets as part of the individual safety score. The safety score server machine 101 may assign safety score to assets depending on, for example the type of house (e.g. age, type of construction, location, rental etc.), the type of vehicle (e.g., economy, luxury, new, old, make, model, number of wheels, etc.), the type or size of boat (e.g. sail, motor, fishing), the body of water the boat is intended for (e.g. lake, ocean, river), the weather (e.g. catastrophic events such as earthquakes, windstorms, tornadoes, hail, lightning, etc .), the occupation (e.g. construction worker, etc.), the current location (busy market place, popular stadium, concert, etc). ] The safety score server machine 101 may provide the individual components of the safety score to an individual and show how different changes in activity, for example, can change the safety score. For example, if a home lacks fire extinguishers, the safety score server machine 101 may assign a certain safety score and show that installing fire extinguishers will increase the assigned score by a certain amount or percentage. If fire extinguishers are then installed, safety score server machine 101 may then increase the safety score as disclosed providing positive reinforcement to the individual's action, i.e. increasing a safety score may encourage an individual to see what other areas may be improved to further increase the safety score, increasing the safety score may then be linked to reduced costs in products such as insurance. ] In the case of safety items in the home, the user may be requested to update the inventory of safety items periodically and identify if the item has been serviced, for example, the user would confirm that fire extinguishers are fully charged or have expired and need to be recharged or replaced. For example, updates may be requested when the time changes occur in the spring and fall. Alternatively user activity detection devices may be installed that read sensors on safety items such as fire extinguishers to constantly or periodically determine whether the fire extinguishers are fully charged and operational. Upon detection of an inoperable fire extinguisher, the safety score may be adjusted downward and the user alerted. Upon servicing the fire extinguisher, the score may be adjusted upward providing positive reinforcement to the user. An app, for example, can scan/read the receipts of a maintenance or inspection job, and record a digital copy in the app for future references. The app can collect data on type/model of the item, e.g. the fire extinguisher, as well as date of installation/replacement of the item so that the app can send out reminders to users to update/replace that item.

The safety score server machine 101 may also prioritize the safety actions in the event the individual is only able to address fewer than ail safety actions. The recommendations may include home maintenance, automobile maintenance, driving skill improvements, home and/or automobile theft protection, child protection, identity theft protection, roadside assistance protection, emergency, severe weather, or natural disaster preparedness, financial security and safety, personal skills such as CPR or First Aid, personal safety, self-defense, child safety classes, and the like.

The score may also includes insurance coverages and protection levels and could include safety actions relating to changing insurance policy or coverage.

In another aspect of the safety detection system, the safety score server machine 101 may continuously recalculate an individual' s safety score in real time based on the individual's behavioral characteristics (e.g., personal or automobile telematics acquired from an aceelerometer, GPS, gyroscope, clock, camera, microphone, barometer, heart rate monitor, etc.) or location, or external factors (e.g., weather, natural catastrophes, time of year, time of day, etc.). The safety score server machine 101 may then provide a constant visual representation of the safety score to the individual, in another aspect, an individual may be provided a notice if the safety score deviates upward or downward by a preset amount (e.g., 1%, 2%, 3%, 4%, 5%).

The safety score server machine 101 may display graphically to the user the amount of assets that are protected. The safety score server machine 101 allows the individual to alter the factors that are used to evaluate the protection of assets and see graphically how the change in factors changes the protection of assets. The safety score server machine 101 also can determine the average protection of assets for the individual based on the individual's personal insurance characteristics and can inform the user of the average level of protection. The safety score may be any type of value, such as a numerical or alphabetical value. For example, the safety score may be a number between 0 and 100, or 0 and 800 (similar to a credit score), or a score between 0 and 1.0, a letter grade, such as A, B, C, D, or F, with plus/minus gradients, or a color, for example blue, green, yellow, orange, red where red is a poor safety score and blue is a great safety score. FIG. 3 is a schematic diagram of an illustrative safety detection system 300. The safety detection system 300 may be associated with, internal to, operated by, or the like, an entity, such as a home services company, an insurance provider, or other monitoring service or system operator. In some examples, the entity may be one of various other types of entities, such as a government entity, corporation or business, university, or the like. Various examples described herein will be discussed in the context of an insurance provider. However, nothing in the specification should be viewed as limiting use of the systems, methods, arrangements, etc. described herein to use only by an insurance provider. The safety detection system 300 may include one or more modules that may include hardware and/or software configured to perform various functions within the system 300. The one or more modules may be separate, physical devices or, in other examples, one or more modules may be part of the same physical device. Further, each module may include specific hardware and/or software configured to perform various functions within the system 300, as will be discussed more fully below, The safety detection system 300 may comprise a safety score processor 302 and an activity modification module 304. The safety score processor 302 and an activity modification module 304 may together form part of the safety score server machine 101 of Fig. 2 or together form part of the processor 103 in Fig. 1. The safety score processor 302 may include hardware and/or software configured to perform various functions within the system 300. For instance, the safety score processor 302 may receive data associated with information of safe activity of a user, such as input via user computing device 306. Based on the safety data of the user, the safety score processor 302 may calculate a safety score for the user.

The safety detection system 300 may include an activity modification module 304. The activity modification module 304 may include hardware and/or software configured to perform various functions within the system 300. For instance, the activity modification module 304 may receive data associated with a safety score and may generate recommendations to change activity to increase safety score. The generated recommendations may be associated with the user such as automobile maintenance, driving skill improvements, home and/or automobile theft protection, child protection, identity theft protection, roadside assistance protection, emergency or natural disaster preparedness, financial security and safety, personal skills such as CPR or First Aid, personal safety, self-defense, child safety classes, and the like. In some examples, the activity modification module 304 may also prioritize the generated recommendations (e.g., based on urgency, largest increase in safety score, etc.)

Once a recommendation list has been generated, the list may be transmitted to a user computer device 306, such as via one or more computing devices 241, 251, 261, 271. For instance, the recommendation list may be transmitted to a smart phone 241, cell phone 251, tablet 271 or other computing device 261 of the user. In some examples, the other computing device may include a vehicle on-board computing device and the task list may be displayed to the user via a display within the vehicle and/or may be provided via an audio transmission within the vehicle.

User data may be obtained at least three ways. A first means of collecting data is automatic; a second means is reports by third parties such as a house inspection report, car maintenance report, smog checks, maintenance receipts, and insurance coverages, etc.; and a third means is self-input by the user such as having users enter data manually, for example by filling in a questionnaire. In some embodiments, the safety detection system 300 may include automatic means of gathering data such as at least one user activity detection device 308. The activity detection device 308 may be one of a variety of types of devices and may be used to monitor or sense one or more characteristics of a system. The activity detection devices 308 may monitor home protection devices, unlocked windows or doors, water leaks, carbon monoxide, smoke, heat, number of time furnace filters are cleaned, weather changes, and appliance maintenance in homes, or acceleration, speed, driving style (e.g. passive vs. aggressive), smoothness (e.g. consistency in speed), riskiness of driving routes, riskiness of time-of-day, and braking events, fuel economy, tire pressures, car maintenance, tire rotation, oil changes, etc., in automobiles. Activity detection devices could also monitor online behavior, online accounts, online passwords, wi-fi and router usage, network safety, online purchases, etc. for digital safety; or daily activities, heartbeat, blood pressure, exercise, food consumption, movement, and activity patterns (sitting vs. standing vs. walking vs. driving), UV exposure, etc. for health & life safety. Activity detection devices could also monitor completion of legacy planning items such as wills and trusts. Specific devices that accomplish activity detection may be accelerometers, GPS's, gyroscopes, clocks, cameras, microphones, barometers, heart rate monitors, etc. blood pressure monitors, compass, infrared monitors, UV sensors, moisture sensors, motion sensors, video cameras, smoke detectors, carbon monoxide detectors, security systems, weather sensors or connection to weather services, etc.

The activity detection devices 308 contain circuitry to perform their intended functions as well as circuitry to communicate such information to the safety score processor. Such communication may be through wired or wireless communication networks and/or direct links, for example a LAN networking environment and/or a WAN networking environment as described for Fig. I . Suitable network interfaces or adapters and/or modems or other means for establishing communications over a network (e.g., the Internet) may be utilized as known in the art. When used in a wireless telecommunications network, the system may include one or more transceivers, digital signal processors, and additional circuitry and software for communicating with wireless computing devices (e.g., home or vehicle telematics devices) via one or more network devices (e.g., base transceiver stations) in the wireless network. ] Particularly in the case of information recorded from activity detection devices, the safety score may be updated in real time. That is, as activity detection devices pick up information, the information may be transmitted to the safety score processor 302, used to recalculate the score, and then forwarded to the user. The user may be notified each time or periodically as the score changes. For example, if a user activity detection device in an automobile measures the number of times a hard break occurs and some threshold number is reached, the safety score may be lowered. On the other hand, if for every 1000 miles traveled, there is fewer than some threshold number of hard breaks, the score may be increased. ] FIG. 4 depicts an illustrative algorithm and event sequence for utilizing the safety detection system in accordance with one or more aspects discussed herein. The example shown in FIG. 4 is merely one example sequence and various other steps, processes, or the like, may be included in an algorithm or sequence without departing from the invention. ] In step 400, user information is collected by the safety detection system. The user information may be obtained from the user such as by filling out a questionnaire, from information already known by the system such as insurance information, and/or information obtained from third parties such as department of motor vehicles. Such information may include, but is not limited to, how the individual maintains their home or vehicle, where and when the person walks, the person's level of preparedness for emergencies, natural disasters or self-defense, the person's skills such as CPR and child safety classes, where the person drives, their age, features or characteristics of their home, vehicle or other possessions (e.g. routers), online and financial accounts, a person's lifestyle and daily activities, exercise routines, medical exams, immunization record, digital profile, identity protection, etc. In step 402, a safety score is created based on the information provided by the user. The safety score may be created from multiple factors and sub-factors used in determining a user's safety score. Factors may be, for example, home maintenance, home safety such as fire extinguishers, child safety measures, motor vehicle maintenance, driving record, emergency preparedness, natural disaster preparedness, occupation, tobacco use, travel, residency information, immunizations, certifications such as first aid or CPR, and a multitude of other factors. Each factor may be associated with multiple different preset possible answers. The answers may be configurable by an operator of the score safety server machine 101 Each preset possible answer (e.g., characteristic or attribute of a user) may have a score value (e.g., +8 points, 0 points, -4 points, etc.) for use in determining a user's safety score. The multi-factor model may be organized in any of several different manners. For example, a table in a database may include a listing of all factors (e.g., questions, inquiries, etc.), possible answers, and a score value for each possible answer.

As noted above, there may be numerous factors and sub-factors in creating a safety score, the potential answers to which are each associated with a corresponding safety score value. For example, a factor based on home safety use may include preset possible answers relating to whether there are smoke alarms and carbon monoxide detectors installed, whether fire extinguishers and/or sprinkler systems are available, or whether a home security system is installed. For example, a user may be presented with a table having safety items whereby the user selects an answer.

If the user selects yes for an item, the user may be prompted for additional information such as the number and location of smoke and/or carbon monoxide detectors or whether the batteries have been replaced in the detectors in the last six months. If a home security system is present, the type of system and the number and location of sensors may be requested. The safety score server machine may then utilize the information to calculate a safety score and provide recommendations. In the embodiment of Fig. 3, a safety score processor (302) may calculate the safety score and an activity modification module (304) provides recommendations to improve the safety score. For example, a processor may calculate a safety score based on the number of safety items present.

Alternatively, the processor may calculate a safety score based on a recommended number of safety items for the living accommodation. For example, the recommended number of smoke detectors for a one bedroom apartment may be 2 whereas the recommended number for a five bedroom house with multiple floors may be 6 thus, for example, the score may be based on a percentage. Then, based on the safety score, the activity modification module (304) may provide recommendations such as to install additional detectors.

Fire 4 4 +2 100

Extinguisher

Your Score 5.9

Max. Score 10

Recommendation: Install 4 smoke detectors and 2 CO detectors.

The processor may be calculated from items covered in a home security system.

Recommendation: Install sensors on three ground windows.

Thus a user can see that the safety score is 8 but could be 11 if sensors are installed on the windows without sensors.

It may further be demonstrated to the user that the safety score may be higher if the smoke detectors and carbon monoxide detectors are connected to the home security system and monitored. Alternatively, the safety score may be higher if the smoke detectors and carbon monoxide detectors are connected to user activity detection devices that feed information to the safety score server machine 101 to determine whether batteries need to be changed or the detectors otherwise need servicing.

The safety score can take into account items to prevent or reduce the likelihood of an accident from happening. Thus, in the case an accident does happen, its severity can be reduced and recovery can be quicker and/or less expensive. For example, one home attribute may be fire: The system can solicit the following information Do you have a fire extinguisher? Is the fire extinguisher expired? Do you have a smoke detector? Are the batteries working? Do you have a fire alarm system connected to the smoke detector? Is the fire alarm system linked to the local fire department? Do you have enough insurance coverage in case the house burns down? ] The system would set a score based on these actions, send reminder tips (like check your battery or change it since it's been over a year), and also provide useful tips (e.g. if the saucepan had oil in it that got too hot and caught on a flame, don't put water on it - the oxygen from H ₂ 0 makes the flame increase. Instead, put a lid on it, that way the fire is smothered.) ] A factor may be based on geographic areas a person lives. For instance, a user may receive a particular safety score value for living in a certain county or neighborhood and a user may receive a different safety score for living in a different county or neighborhood. Moving from one neighborhood to another may increase or decrease the score. Taking personal safety courses such as self-defense classes or having a security system linked to a police department may increase the score, particularly in a more dangerous area. ] A factor may be based on medical declarations. For instance, a user who regularly has medical examinations may receive a score of +2 points and a user who does not regularly have medical examinations may receive a safety score value of 0 points. This safety score may be increased +1 point by having a medical examination and another +1 point if regular examinations are established. Other acceptable declarations include declarations that the user is up-to-date on his or her immunizations. ] A factor may be based on whether a person participates in dangerous activities and corresponding safety score values. For instance, a user who periodically scuba dives to a depth of less than 100 feet may receive a safety score of +2 points, but one who dives to a depth of more than 100 feet may receive a safety score of 0. The user may be encouraged to wear a user activity detection device to ensure the depth limits are not exceeded such as a pressure gauge or depth gauge. The incentive to wear a user activity detection device may be the price of life insurance, for example. A factor may relate to a motor vehicle report (MVR) associated with the user. One preset potential answer for the MVR factor may include that the user has a clean report, which may he associated with a safety score value of +4. Another preset potential answer for the MVR factor may include that the user has had one minor violation in the last three years, which may be associated with safety score value of +2 or two moving violations, which may be associated with safety score value of 0. However, the score may be increased if the user had a traffic safety course.

A factor based on tobacco use may include multiple preset possible answers relating to how frequently and/or during what time frame a person used tobacco, and corresponding safety score values. For instance, a user who does not smoke tobacco may receive a safety score value of +4 points. A user who currently smokes tobacco may receive a safety score value of 0 points. In this case, the user may be encouraged to obtain a physical periodically to confirm there are no indications of smoking and/or users may choose to place activity detection devices in the home or vehicles that detect second hand smoke. There may be incentives integrated into the safety score system to validate the data in some way, whether through game mechanics and motivation, financial rewards, clear improvements in safety, etc. Even if the user smokes outside (away from detection devices), the safety score may encourage the user to keep a smoke-free environment in homes and vehicles for others such as children.

The above-described factors and safety score arrangements are merely some examples of scoring arrangements that may be used. The values provided are merely some example safety score values that may be provided for various factors and nothing in the application should be viewed as limiting safety score values to only those provided above

In step 404, the safety score is transmitted to the user. In addition to the safety score, the system may also transmit to the user the components of the safety score so the user can see what elements scored high (acceptable) and low (unacceptable). A user would then have the opportunity to change activity such as adding safety items to the house (e.g. fire extinguishers), updating old appliances, improving driving habits, taking a safety course, obtaining immunizations, or improving personal safety. ] In step 406, updated user information is collected by the safety detection system. In some embodiments, data may be collected by detection devices 414 placed in the home such as home protection devices, unlocked windows or doors sensors, water leak sensors, carbon monoxide detectors, smoke detectors, heat detectors, detectors for the number of time furnace filters are cleaned, weather sensors, and appliance maintenance detectors/monitors in homes, or acceleration/deceleration detectors, speed detectors, GPS sensors, clock, fuel economy detectors, tire pressure detectors, car maintenance detectors, tire rotation detectors, oil change sensors, etc., in automobiles. Activity detection devices could also include online behavior trackers, online account monitoring, online password monitoring, wi-fl and router usage monitors, network safety monitors, online purchase monitoring, computer virus scans, etc. for digital safety; or daily activity monitors, heartbeat sensors, blood pressure monitors, exercise monitors, food consumption monitors, movement sensors, and activity pattern detectors (sitting vs. standing vs. walking vs. driving), UV sensors, etc. for health & life safety. Activity detection devices (e.g. digital devices) could also monitor progress and completion of legacy planning items such as wills and trusts. In step 408, the safety score is recalculated based on the updated user information as well as data obtained from detection devices. ] In step 410, a determination may be made as to whether the safety score has changed. If not, the system returns to step 406 to receive additional user information. If yes, the revised safety score is transmitted to the user. ] FIG. 5 depicts an illustrative algorithm and event sequence for utilizing the safety- detection system including recommendations in accordance with one or more aspects discussed herein. The example shown in FIG, 5 is merely one example sequence and various other steps, processes, or the like, may be included in an algorithm or sequence without departing from the invention. ] In step 500, user information is collected by the safety detection system as described for step 400 of Fig. 4. In step 502, a safety score is created based on the information provided by the user. The safety score may be created from multiple factors and sub- factors used in determining a user's safety score as discussed above for step 402 of FIG. 4. ] In step 504, based on the safety score and the information and data collected to calculate the safety score, recommendations are created for increasing the safety score such as installing or replacing batteries in smoke and carbon monoxide detectors, taking a course in safe driving practices, installing new tires, taking CPR/first aid classes, taking self-defense classes. ] In step 506, the safety score and recommendations are transmitted to the user. In addition to the score, the system may also transmit to the user the components of the safety score so the user can see what elements scored high (acceptable) and low (unacceptable). The system may also transmit how different changes in activity can change the safety score. For example, the system can show that installing smoke and carbon monoxide detectors, a score may increase 2 points. ] A user would then have the oppoitunity to change activity such as adding safety items to the house, e.g. fire extinguishers, or updating old appliances, improve driving habits and/or taking a safety course, obtaining immunizations, improving personal safety, or quit smoking. ] In step 508, updated user information is collected by the safety detection system. In step 510, the safety score is recalculated and recommendations are updatedcreated based on the updated user information. [073] In step 512, a determination may be made as to whether the safety score has changed. If not, the system returns to step 508 to receive additional user information. If yes, the revised safety score is transmitted to the user in step 514.

[074] In steps 410 and 512, there may be a threshold provided prior to transmitting a revised safety score to the user. For example, the safety score may need to change at least by 1%, 2%, 3%, 4%, or 5% prior to the recalculated score is transmitted. The system also may be set up to transmit the safety score periodically, regardless of whether the score has changed to remind the user of the score and recommendations to increase the score.

[075] FIG 6 illustrates a possible user interactive interface 600 for providing recommendations to a user. The recommendations may be personalized with the user's name 602. Box 604 may include a descriptive paragraph. Box 606 may provide a list of recommendations 608 that may improve a safety score and a box 610 to indicate whether the user has completed the recommendation. After one or more of the recommendations are completed, the user may click on the "OK" button to transmit the information back to the safety score server machine for recalculation of the safety score.

[076] The safety detection system can be used to educate a user as to what an insurance company, for example, assesses to determine coverages and premiums. Safety scores relating to safe driving habits can be used to decrease premiums or increase what an insurance company may cover in an accident.

[077] The safety score can indicate how much coverage is needed to cover an event. For example, on a scale of 00, if you have a safety score of 75, you need coverage for the other 25. The safety score may also indicate what coverages are not needed or desired.

[078] As previously noted, the safety score may be any type of value, such as a numerical or alphabetical value, a letter grade, or a color. The score may also be illustrated such as by a circular bar graph. FIGS. 7A, 7B, 7C illustrate non-limiting options for conveying an activity safety score, an asset safety score, and an overall safety score to a user.

FIG. 7A illustrates a graphical interface of one configuration of an activity safety score 702. The activity safety score may reflect the aspects of safety that are behavioral and therefore somewhat changeable. In this example, the safety detection system has calculated a numerical activity safety score 704 of "82" (on a scale of 100), A circular bar graph 706 illustrates the score of 82 as a partial ring (a full ring would indicate a score of 100). A comment 708 may be provided to compliment and/or encourage the user or provide any other commentary. Circles 710 may illustrate general categories used to calculate the score. These circles may constitute parts of the score, with either equal or varied weights. Weights can be based on relative importance of categories, as determined by relative frequency of incidents, average financial loss of incidents, pure premium (insurance), user preference, etc. For example, in FIG. 7 A, driving data was much more relevant than home data. Theft and personal safety had moderate relevance, A user may click on one of the circles to obtain additional information. In the example of 7 A, the category 712 "driving" was selected and additional driving data is provided such as for subcategories braking data, nighttime driving data, and mileage data. Scores are provided for each subcategory and an overall score is taken by, for example, averaging the scores of the subcategories. A comment box 716 may be provided to provide a safety tip. The activity safety score may address a user's desire to be able to impact the score. By showing actionable components together, the user may be motivated to make changes as the user is able see the impact of making such changes.

FIG. 7B illustrates a graphical interface of one configuration of an asset safety score 722, The asset safety score may reflect safety features of things one owns. Assets are given safety ratings but generally nothing a user does changes an asset rating. Instead a user may consider the safety rating for comparison purposes, for example when purchasing a car or house. In the example of FIG 7B, the safety detection system has calculated a numerical asset safety score 724 of "75" (on a scale of 100). A circular bar graph 726 illustrates the score of 75 as a partial ring (a full ring would indicate a score of 100). A comment 728 may be provided to compliment and/or encourage the user or provide any other commentary. Circles 730 may illustrate general categories used to calculate the score. These circles may emphasize the relevance of each category. For example, in FIG. 7B, home and boat data was much more relevant than particular vehicles, A user may click on one of the circles to obtain additional information. Ei the example of 7B, the category 732 "01 Honda" was selected and additional automobile data is provided such as for subcategories vehicle baseline and add-ons. Optional add-ons that were not installed are crossed off. Scores are provided for each subcategory and an overall score is taken by, for example, averaging the scores of the subcategories. Such scores would then be combined and weighted based on relevance with scores for home, boat, and other cars. A comment box 736 may be provided to provide a safety tip.

FIG. 7C illustrates a graphical interface of an overall safety score 742. The overall safety score reflects the user's prevention based on measurable actions and safety features of assets. The numerical score 744 of "75" is a combination of the activity safety score 704 and the asset safety score 724. In the example of FIG 7C, a circular bar graph 746 illustrates the score of 75 as a partial ring (a full ring would indicate a score of 100). The ring is broken into an activity portion 748 and an asset portion 750. The incomplete section 752 illustrates a risk section. A comment 754 may be provided to compliment and/or encourage the user or provide any other commentary. A button 756 may be provided such as to request additional information.

Fig. 8 illustrates a graphical interface of an Asset Coverage Score 802 where the amount of protected assets is displayed graphically to the user. The user is able to alter the factors that are used to evaluate the protection of assets and see graphically how the change in factors changes the protection of assets. The system also can determine the average protection of assets for the user based on the users personal insurance characteristics and can inform the user of the average level of protection. For example, the safety score can show the effectiveness of insurance coverage as measured by the quantity of assets at risk in a liability lawsuit. For example, the customer's total asset net worth may be compared with coverages in insurance policies whereby the difference represents the risk in the case of a lawsuit. The numerical score 804 of "86%" reflects the percentage of assets covered by liability insurance, in this case 86% of $756,000 in assets. A circular bar graph 806 illustrates the score of 86% as a partial ring (a full ring would indicate a score of 100%). The ring also reflects relative values of various assets such as savings, investments, cars, boats, and the like. The incomplete section illustrates a risk section. A comment 808 may be provided to identify the gap in coverage and a button 810 may be provided to provide the user an instant means to edit (e.g. increase) coverage.

In addition to promoting safe behavior and wise purchase choices, the formulation of safety scores and asset coverage scores address a lack of transparency customers and agents cited as being significant barriers to trust with an insurance company. By- using data from both the user and insurance agencies, the company/agent could provide customized recommendations that emphasize "best-fit" coverage rather than price. These aspects are shown in FIG. 9 and FIG. 10.

FIG. 9 illustrates a graphical interface of a bodily injury limit 902 option. An explanation of the limit may be provided in a comment area 904 and a recommendation 906 provided, A recommendation is generated by the safety detection system based on analysis of data provided to the server. The user is shown data 908 that illustrates the impact of the different coverage choices. For example, based on the user profile, the recommended coverage levels may cover them in 80%s of incidents. By sharing this data, the choice of limits becomes a choice of coverage, not necessarily just price. The user may then select the desired coverage 910 from multiple choices shown as radio buttons. The existing coverage is shown by a check mark (V) and the server graphically displays a recommendation as a bold-faced radio button. FIG. 10 illustrates a graphical interface of a roadside emergency assist 1002 option. An explanation may be provided in a comment area 1004 and a recommendation 1006 provided. In this example, there are two options (radio buttons YES/NO) 1008 for a type of coverage. A recommendation is generated by the safety detection system based on analysis of data provided to the server. In this case, the recommendation is that the user does not need roadside emergency assist and the server graphically displays a bold-faced "NO" radio button with "(recommended)" For other users, the "YES" might be bold-faced. In other words, the output from the safety score server machine results in a transformation of the graphical user interface 1008 such that the technical operation of graphical display is enhanced. This example mimics one way- some agents build trust with customers: By demonstrating that they want to serve their best interests even when it goes against getting more sales. Sometimes, the data may suggest a lower than expected option, which builds customer trust.

While the aspects described herein have been discussed with respect to specific examples including various modes of carrying out aspects of the disclosure, those skilled in the art will appreciate that there are numerous variations and permutations of the above described systems and techniques that fall within the spirit and scope of the invention.